KVB Eternis Credit Card

Premium credit card with accelerated rewards, exclusive welcome benefits and zero foreign currency markup on international transactions.

  • 3X Reward

    on airline, hotel, dining and luxury shopping spends

  • 10000 Bonus

    Reward points on card activation

  • Zero Foreign

    currency markup on international transactions

Features & benefits
  • Base Rewards: 2 Reward Points (RP) for every ₹100 spent.
  • Accelerated Rewards: Earn 3X Reward Points on airline, hotel, dining, and luxury shopping spends.
  • Reward Redemption: 1 Reward Point (RP) = ₹1.
  • Welcome Bonus: 10,000 Reward Points on card activation.
  • Welcome Benefits: One-night stay at Postcard Hotels, 1-year MindEscapes Concierge Club Access, 1-year EazyDiner Membership and 1-year Club Marriott Membership.
  • Enjoy 15% off on Business Class fares with Qatar Airways, Lufthansa on international routes and Air India on domestic routes.
  • Zero foreign currency markup on international transactions.
Others
Particular Others
Credit card Limit Min 5 Lacs, Max 50.00 Lacs
Payment of Outstanding Dues Outstanding dues shall be remitted through Mobile Banking, Net Banking, NEFT/RTGS, Cash/Cheque payment at KVB Branches.
EMI Minimum transaction amount of Rs 500 and maximum of total credit limit shall be converted to EMI at the rate of 15% to 22% depending on the EMI tenor
Balance Transfer Not Available
Contactless Contactless transactions are allowed up to the maximum limit stipulated by RBI. At present the maximum limit allowed for PIN less contactless transaction is Rs 5000.00
Auto Debit Either Total Amount Due (TAD) or Minimum Amount Due (MAD) are accepted. The linked accounts will be auto debited only once on the due dates
Finance Charges 3% per month, 36% per annum
Interest free grace period Maximum of upto 45 days. All charges incurred by the use of the Card and all the charges applicable to the Card shall be paid within 15 days from the bill generation date.
Validity of the card 5 years from the date of issuance of the card subject to fulfillment of the banks eligibility criteria.
Billing statements Credit Card holders shall be billed on a monthly basis as per the billing cycle mentioned above for all the purchases and charges incurred by the use of the Card and for all charges applicable to the card account. The billing statement will be mailed on monthly basis to the registered E-Mail ID of the customer.
Minimum amount due 5% of Total Outstanding + all applicable taxes + EMI (in case of EMI based product) + Over Limit amount (if any). It will reflect as Minimum Amount Due in the statement
Joining fee 29,999/- plus applicable GST
Annual fee 29,999/- plus applicable GST
Card Replacement fee Rs.3999/- plus applicable GST (Waived for Fraudulent transaction, reissue on Expiry)
Cash withdrawal 2% of the cash withdrawn or Rs 300. (Whichever is higher)
Late Payment charges Outstanding amount between
200-500 Rs.100/-
501-2500 Rs.300/-
2501-10000 Rs.500/-
10001 -25000 Rs.800/-
25001 and above Rs.1000/-
Charges on over limit 2.5% on over limit amount, subject to minimum of Rs.500/-
Payment (cheque/ECS/NACH) return 500/-
Petrol Transaction Surcharge 1% of transaction value. Waiver: For single transaction spends between Rs.500 and Rs.4000. Maximum of Rs.200/- for one billing cycle
Foreign Currency NIL
EMI/BT processing charges 1% of the EMI Principal, Min 300/-
EMI/BT foreclosure charges 3% of the Principal outstanding
Reward Redemption Fee Rs.99/- per redemption request (Minimum 2000 reward points are required for first redemption, there after 250 reward points required for subsequent redemptions), Unclaimed reward points will be lapsed once in 3 years or if Minimum Amount Due (MAD) is not paid more than 60 days