KVB SBI Signature Card

SBI Card · Open to apply

A Karur Vysya Bank co-brand SBI Signature card: 2 points per ₹100 everywhere except fuel, 10 points per ₹100 on dining, departmental stores and groceries up to 10,000 points a month, a ₹5,000 welcome voucher, up to 50,000 bonus points a year on annual spends of ₹2 to 5 lakh, eight domestic lounge visits a year and a Priority Pass membership (each visit charged). Points are worth ₹0.25 each.

Annual fee
₹4,999 + GST a year
Joining fee
₹4,999 + GST
Base rate
2 points per ₹100 on all other retail spends: 2 SBI Card Reward Points per ₹100 (about 0.5% at cash value)
Lounges
Domestic: 8 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 10 points per ₹100 on dining, departmental stores and groceries: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)

Earns nothing on

  • No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
  • No points on wallet loads, prepaid card purchases and account funding (MCCs 6540, 6541)
  • No points on cash advances and ATM withdrawals
  • No points on EMI conversions (Flexipay, Merchant EMI, Convert2EMI)
  • No points on rent payments (MCC 6513)
  • No points on government-related transactions (MCCs 9399, 9311)
  • No points on digital gaming platforms (MCCs 5816, 7993, 7994)

Where the sources disagree

  • Accelerated categories: Shop & Smile Table No. 2 gives the own-brand SBI Signature Card 5X on dining, groceries, departmental stores and international spends (10,000 monthly cap), and III(c) extends its capping (not its rate) to the banking co-brand variants. This card's page ("5X on all Dining, Departmental Stores and Grocery spends", the other spends at 2 points per ₹100) and booklet 11.3 (10 points per ₹100 on the same three) name dining, departmental stores and groceries only, with the same 10,000 cap; we follow the card's booklet and page. If Table No. 2 governed, international spends would earn 10 points per ₹100 too, within the same cap.
  • Scanned booklet: The card's T&C booklet is an image-only PDF; it was read by OCR, and the milestone table digits (2, 3, 4 and 5 lakh; 10,000 and 20,000 points) were taken from the product page where the OCR was unclear.

Terms the calculator does not value

  • The accelerated rate does not apply at Metro Cash & Carry and Walmart either (Flipkart Wholesale is the rule wholesale-no-accelerated); neither has a merchant file.
  • The domestic lounge programme is run by the card network; the card is not in the 10 Jan 2026 lounge notice's lists. The ₹2 authorisation and the lounge list are not read for this card.
  • The T&C booklet (created 12 Oct 2026) carries Club ITC Silver membership terms (one year complimentary, 25% off a second night) and ends its offer-specific terms with a last date of 15 Apr 2026 and the wording "exclusive for the cardholders of SBI Card ELITE & SBI Card PRIME"; the product page does not list the benefit and the terms do not name this card, so none is entered.

Sources

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