KVB SBI Signature Card
Downgrade₹4,999 a year, forever — Karur Vysya's branch-counter Signature never waives its fee.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: e-Gift voucher worth ₹5,000 (Yatra, Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop) on joining-fee payment
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹27,000 a month
At ₹27,000 a month — ₹3,24,000 a year — on the everyday mix this card returns ₹6,500 gross (earn ₹1,500 + milestones ₹5,000) against its ₹4,999 fee = ₹1,500 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #610
Why #610 A ₹4,999 fee with no waiver at any spend, buying 0.5% earn in a currency that transfers nowhere. Eight domestic lounge visits are the entire travel case, and they cost less on cards ranked far above this one.
The take
This is the card SBI and Karur Vysya sell across a branch counter, and the fee line is the whole story: ₹4,999 at joining and ₹4,999 every year after, with no spend that ever waives it. SBI's own MITC leaves the waiver column blank where ELITE — same ₹4,999 — earns its fee back at ₹10 lakh. What you get is 0.5% base earn in Reward Points fixed at 4 to the rupee that reach no airline and no hotel, 3.5% forex, and eight domestic lounge visits a year. The milestone ladder is the one genuinely good thing here: 50,000 bonus points across ₹2 lakh, ₹3 lakh, ₹4 lakh and ₹5 lakh of annual spend is ₹12,500, and it starts lower than ELITE's ₹3 lakh first rung. Push ₹5 lakh through it and the card pays for itself twice over. Spend less than that and you are renting eight lounge visits for ₹4,999.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹4,999/yr at stake · 5 spend bands
The charge ₹4,999/yr
Break-even ₹27,000 a month — ₹3,24,000 a year — is where this card's value crosses its fee.
At your spend
−₹1,100 a year, net of the fee, at ₹3,00,000 of annual spend
₹10,300 a year, net of the fee, at ₹6,00,000 of annual spend
₹13,100 a year, net of the fee, at ₹12,00,000 of annual spend
₹24,400 a year, net of the fee, at ₹36,00,000 of annual spend
₹35,700 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
SBI Card publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 3 Aug 2026 SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme issuer-wide
- 31 Mar 2026 SBI kills both Etihad Guest co-brands and force-swaps holders into MILES issuer-wide
- 10 Jan 2026 SBI Card splits domestic lounges into tiers, adds entry fees issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 50,000 bonus RP a year (₹12,500) across ₹2L / ₹3L / ₹4L / ₹5L — the ladder starts a full ₹1 lakh lower than ELITE's
- 8 complimentary domestic lounge visits a year (max 2 per quarter)
- ₹5,000 welcome e-gift voucher
- 10 RP per ₹100 (2.5%) on dining, departmental stores and grocery
- Complimentary Priority Pass membership worth US$99, and access to 300+ golf courses at 30% off green fees
Watch out
- The ₹4,999 fee is NEVER waived — SBI's MITC leaves this card's waiver column empty at every spend level
- The Priority Pass membership carries ZERO complimentary visits — every entry is US$27 + taxes out of pocket
- Reward Points are fixed at 4 RP = ₹1 and transfer to NO airline or hotel programme
- 3.5% foreign-currency markup — ELITE's 1.99% concession does not reach this card
- The 5X rate stops once 10,000 RP have accrued in a month; spend past that earns the base 2 RP per ₹100
- Branch-sold only — there is no online application, you must walk into a Karur Vysya Bank branch
What these points actually fly
No live transfer route takes SBI Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
11 sourced rules · 5 pay zero
2 Reward Points per ₹100 base = 0.5%, 10 per ₹100 on dining, departmental stores and groceries up to 10,000 points a month. The KVB co-brand kit is an image-only PDF with no machine-readable reward clause, so every row here is sourced to the Shop-and-Smile register and its dated card lists, which name "KVB SBI Signature Card" explicitly on each.
- Fuel · excluded Zero points — purchases at petrol pumps and service stations, MCC 5172, 5541, 5542 and 5983
- Rent & property management · excluded Zero points — MCC 6513, discontinued w.e.f. 1 Apr 2024, with "KVB SBI Signature Card" on SBI's list for that date; MITC adds ₹199 + taxes per rent transaction
- Wallet loads · excluded Zero points — MCC 6540 and 6541, w.e.f. 1 Jul 2020
- Government / tax · excluded Zero points — MCC 9399 and 9311, discontinued w.e.f. 1 Jun 2024, with "KVB SBI Signature Card" on SBI's list for that date
Does your spend count toward the milestones?
not published — and we say which
₹2,00,000 a year is the bar for the first milestone. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. SBI Card states what the KVB SBI Signature Card earns and does not earn, but has not published which spend categories count toward the milestones — the ₹2,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
72 of 793 tracked doors
Gate: Priority Pass membership worth US$99 is complimentary, but carries no free visits
Opens 72 of 793 tracked lounge doors across 40 airports , via Visa — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Not confirmed on sale — the issuer still documents this card but we could not confirm it is open to new applications. Treat any application path with care.
Sold only across a Karur Vysya Bank branch counter — SBI's product record carries no online application path, and its own FAQ says "To apply KVB SBI Signature Credit Card, visit the nearest Karur Vysya Bank Branch". Unlike SBI's ELITE and PRIME, this chassis has no standalone SBI-branded parent: KVB is the only bank that sells it.
SBI Card publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official SBI Card MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Fee ₹4,999 + taxes at joining and ₹4,999 + taxes on renewal, with NO spend-based waiver at any level — the MITC fee table prints this card as "KVB SBI Signature Card 4,999 4,999" and leaves the waiver column empty, where the identically-priced SBI Card ELITE row carries "(Waived off on annual spends of 10 Lakh or more in the preceding year)". Add-on cards are free. Dynamic currency conversion is charged at the same 3.5%. Sold only through Karur Vysya Bank branches; SBI publishes no online application path, and no income or age criteria for this card.
per the official SBI Card MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programmeSBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired. → No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
SBI Card's own MILES rewards T&C, re-fetched on 22 August 2026 and carrying a 3 August 2026 ModDate inside the PDF, has one fewer airline in it than the edition this desk read on 2 August. The deletion is provable from the numbering rather than from absence alone: the table's first seven rows are unchanged (Air Canada 3, Air France-KLM 4, Air India 5, British Airways 6, Cathay 7), and every row from position eight onward has moved up exactly one — Thai from 14 to 13, Qantas from 17 to 16. Position eight was Etihad Airways / Etihad Guest / 1:1. All twenty-four other partners we carry, airline and hotel, are still there at the same ratios, so this is Etihad being dropped and not SBI narrowing transfers. The timing matters more than the ratio. SBI phased out the Etihad Guest SBI and Etihad Guest SBI Premier cards from December 2025 and reissued holders onto MILES products, and the transfer route was what made that migration survivable — a Premier holder who had spent six years earning Etihad miles could keep feeding the same account through Travel Credits. That is now closed, and India's remaining pipes into Etihad Guest run through BOBCARD's Etihad co-brands, not through SBI. If you hold SBI Travel Credits earmarked for an Abu Dhabi business seat, they are Aeroplan, Flying Blue, Avios or Maharaja points now. ON THE DATE: SBI publishes no notice and no cut-off. The date here is the day the desk read the change out of SBI's own document; the PDF's internal ModDate puts the edition at 3 August 2026, which is the earliest day we can prove, not an announcement.
- 1 Jul 2026PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe
- 1 Jul 2026PhonePe SBI PURPLE stops paying on UPI outside PhonePe
- 31 Mar 2026SBI kills both Etihad Guest co-brands and force-swaps holders into MILES
- 9 Mar 2026Paytm SBI Card stops earning on school and education spends
- 9 Mar 2026Paytm SBI Card SELECT stops earning on school and education spends
- 10 Jan 2026SBI Card splits domestic lounges into tiers, adds entry fees
- 1 Dec 2025SBI discontinues the OLA Money card and moves holders onto a house card
Every SBI Card change we've dated → 19 events since 1998, 13 of them nerfs — worst year 2025.
Verified against SBI Card's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page — ₹5,000 welcome voucher, 5X on dining/departmental stores/grocery, 8 domestic lounge visits a year capped at 2 a quarter
- official MITC — "KVB SBI Signature Card 4,999 4,999" with an empty waiver column; 3.5% foreign-currency fee
- official Airport Lounge Access — the Set A/B restriction is scoped to ₹1,499 and ₹2,999 cards, so this ₹4,999 card keeps the full Visa network list