Question 1

What is the annual fee on the Karur Vysya Bank SBI Card Gold and how do you get it waived?

Accepted Answer

The Karur Vysya Bank SBI Card Gold charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. SBI Card waives the renewal fee if you spend ₹75,000 in the previous year, which is about ₹6,250 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

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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Karur Vysya Bank SBI Card Gold

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