{
  "id": "sbi-karur-vysya-bank-sbi-platinum-credit-card",
  "locale": "en",
  "name": "Karur Vysya Bank SBI Platinum Credit Card",
  "bank": "SBI Card",
  "cardType": "shopping",
  "cardTier": "premium",
  "annualFee": "₹2,999 + GST",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (2 visits per calendar quarter, max 8 visits/year)",
  "rewardsRate": "5 points / ₹100 on dining, groceries and departmental stores · 2 points / ₹100 base · 1% fuel waiver",
  "bestFor": "Karur Vysya Bank account holders and lifestyle spenders seeking domestic airport lounge access and accelerated rewards",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/karur-vysya-bank-sbi-platinum-credit-card.html",
  "aiVerdict": {
    "score": 2.1,
    "summary": "Its modest reward rate offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹2999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "sbi-karur-vysya-bank-sbi-platinum-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card & Karur Vysya Bank — KVB SBI Platinum Credit Card official schedule of charges and MITC",
    "KVB SBI Card Partnership — 2 visits/quarter domestic lounge terms, 5X categories & milestone gift vouchers"
  ],
  "feeWaiver": "Waived at ₹3,00,000 annual spend",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹2,999 + GST (Waived on ₹3L spend)"
    },
    {
      "key": "Welcome Gift",
      "value": "₹3,000 worth of brand vouchers (Yatra, Bata, Marks & Spencer)"
    },
    {
      "key": "Airport Lounge Access",
      "value": "2 complimentary domestic visits / quarter (8 visits/year)"
    },
    {
      "key": "Accelerated Rewards",
      "value": "5X Points (10 pts / ₹100) on Dining, Groceries & International"
    },
    {
      "key": "Base Reward Rate",
      "value": "2 Reward Points / ₹100 spent"
    },
    {
      "key": "Milestone Rewards",
      "value": "Up to ₹5,000 in annual milestone gift vouchers"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, Groceries, Departmental & International (5X)",
      "rate": "10 Points / ₹100 (2.5% value)",
      "monthlyCap": "Max 5,000 bonus pts / month",
      "perLakhSpent": "10,000 Points (~₹2,500 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2 Points / ₹100 (0.50% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (~₹500 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining & Supermarket Groceries",
      "multiplier": "5×",
      "rate": "10 Points / ₹100",
      "monthlyCap": "5,000 pts / month",
      "dailyCap": "—",
      "note": "10 points per ₹100 at restaurants, departmental stores, and grocery outlets."
    },
    {
      "channel": "International Transactions",
      "multiplier": "5×",
      "rate": "10 Points / ₹100",
      "monthlyCap": "5,000 pts / month",
      "dailyCap": "—",
      "note": "10 points per ₹100 on foreign currency POS and online purchases."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Shopping & Travel Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "SBI Card Reward Catalogue",
      "value": "₹0.20 to ₹0.25 / Reward Point",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹2,999 + GST (Includes ₹3,000 Welcome Voucher)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,999 + GST (Waived on ₹3,00,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.75% per month (45.0% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹500 to ₹4,000 transactions (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Net Income",
      "requirement": "₹40,000+ per month (Salaried) or ₹6L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "750+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}