What is the reward rate on the Karur Vysya Bank SBI Card Gold?

You earn 10 points per ₹150 on Departmental and Grocery stores. Everything else earns 1 point per ₹150. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 666 points, roughly ₹167, which is about 1.7% back. Fuel, Cash, Balance Transfer transactions earn nothing at all.

Which spends do not earn rewards on the Karur Vysya Bank SBI Card Gold?

Fuel, Cash, Balance Transfer transactions earn nothing on this card. Annual fee is reversed if spends for last year is more than Rs. 75,000. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

What changed on the Karur Vysya Bank SBI Card Gold recently and is it still worth it in 2026?

SBI portfolio-wide cuts (1% fees Nov 2025, MCC exclusions, Jan 2026 lounge tightening). The changes are dated Nov 2025; Jan 2026. At ₹75,000 of yearly spend the card returns roughly ₹128 at its general rate of about 0.17%, against a ₹499 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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Card Details

5453 4650 8050 3324

Karur Vysya Bank SBI Card Gold

SBIVISA

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

—

Card Access

Standard

Offers from SBI Card

See all

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Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026

Earn Points

10pts

/₹150 on Grocery Stores

10pts

/₹150 on Departmental Stores

1pt

/₹150 on All Other Spends

Fuel Surcharge Waiver

Benefits

Fuel

1% Fuel Surcharge Waiver All Pumps

Welcome Benefits

₹499 Annual Fee, Waived at ₹75K Spend

What Users Are Saying

Community Feed

Aug 2025

Karur Vysya Bank SBI Card Gold

Offers from SBI Card

Earn Points

Benefits

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

Karur Vysya Bank SBI Card Gold

Offers from SBI Card

Earn Points

Benefits

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

Karur Vysya Bank SBI Card Gold

Offers from SBI Card

Earn Points

Benefits

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind