Personalized Credit cards
IndusInd Bank offers card basis your profile to optimize your savings.
Get instant approval
Basis your details we get your Credit card approved within minutes
Get Higher Limits
Basis your Bureau and Banking details, we offer best possible limits for you.
Bring the best to your wallet
From building your credit to getting rewarded on purchases, find the best card options for you.
- Get help and answers with 24/7 customer service.
- Enjoy comprehensive Concierge services for dining, entertainment and travel.
- Access premium music, sports and culinary experiences with certain rewards cards.
Order your Credit card Online
Karnataka Bank Credit card
You now don't have to spend more on your Rewards Credit card to earn extra reward points. Simple way to reward your points.
Top reasons to get the Rewards Credit card
- Earn 10 Reward Points for every Rs 125 spent at apparel & department stores and select partners.
- Continue earning Reward Points at rate of 1 point for every Rs 125 on all other purchases.
- Redeem points instantly at select partners.
- Benefits & Features
- Fees & Charges
- Redeem Rewards
- Borrow Privileges
Earn unlimited 10X reward points at select partners
- Earn unlimited 10X reward points at select partners
Welcome rewards
- Get 1,500 bonus points on your first spend made within 30 days of card issue.
- Get 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card issue.
Earn bonus reward points
- Bonus on monthly Spends: Get 300 bonus points on card spends of Rs 15000 or more in a month.
Fuel
- Instant redemption at over 1200 participating oil outlets.
- Redemption rate at oil outlets: 1 Reward Point = Rs 0.25 | Minimum Points required to redeem: 250.
In-Store Shopping
- Instant redemption at select partner stores.
- Redemption rate at stores: 1 Reward Point = INR 0.30 | Minimum Points required to redeem: 250.
Air miles
- Redemption rate for air miles: 1 Reward Point = 0.75 miles | Minimum Points required to redeem: 100.
Cash back
- Adjust points against your Statement outstanding.
- Redemption rate for cash back: 1 Reward Point = Rs 0.35 | Minimum Points required to redeem: 5,000.
Fuel
- Instant redemption at over 1200 participating oil outlets.
- Redemption rate at oil outlets: 1 Reward Point = Rs 0.25 | Minimum Points required to redeem: 250.
In-Store Shopping
- Instant redemption at select partner stores.
- Redemption rate at stores: 1 Reward Point = INR 0.30 | Minimum Points required to redeem: 250.
Air miles
- Redemption rate for air miles: 1 Reward Point = 0.75 miles | Minimum Points required to redeem: 100.
Cash back
- Adjust points against your Statement outstanding.
- Redemption rate for cash back: 1 Reward Point = Rs 0.35 | Minimum Points required to redeem: 5,000.
Personal Concierge Services
Call your concierge for help with planning a party, sending flowers, making dining reservations, for travel assistance.
| Dining Privileges | Up to 15% savings across participating restaurants. |
| Shopping Privileges | Enjoy savings and offers several stores in your City. |
| EMI Privileges | Choose easy EMI options at more than 2,000 consumer electronics and mobile phone outlets, leading retail chains and e-retailers. |
Key Benefits of Karnataka Bank Cards
All Credit cards from Karnataka Bank offer a range of benefits including:
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Save on your interest
You can transfer your outstanding amounts from other cards to your Karnataka Bank card at a low rate of interest. With the balance transfer feature, you can avoid paying interest on multiple cards.
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Auto payment of bills
With your Credit card, paying your utility bills is hassle free. The auto bill payment option called Easy Bill Pay allows you to make timely payments each month. You can register and pay your utility bills, insurance premiums, and electricity and telephone bills.
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Protect yourself with insurance
Karnataka Bank in partnership with CCP offers comprehensive protection in the event of card loss, fraud, or theft. Cardholders enjoy facilities like emergency travel assistance, banking protection, free replacement of lost card, and more.
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Convenient access to your account
You can access your Karnataka Bank card account online or download the Karnataka Bank Card mobile app. Make bill payments, check your outstanding balance, and more anytime, anywhere.
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Funds for your immediate cash requirements
Your Karnataka Bank card can be very helpful if you need additional funds for an emergency. With the Karnataka Bank Encash facility, you can get quick access to funds. You could get an amount above or within your credit limit transferred to your account within 48 hours with Encash. Repayment of the funds can be made in 12-, 24-, or 36-month instalments.
Karnataka Bank Card Other Fees and Charges
| Type of fees | Charges |
|---|---|
| Credit card finance charge | 3.5% on all unsecured Karnataka Bank Credit cards (except Shaurya) |
| Minimum amount due each month | 5% of total outstanding amount or Rs.200 + taxes, whichever is higher |
| Interest fee period | 20 to 50 days |
| Finance charge on cash advance | For domestic cash withdrawal, a fee of 2.5% or Rs.500 (whichever is higher) |
| Statement retrieval | Rs.100 per statement – for statements more than 2 months old |
| Late payment fee (charged based on the total outstanding amounts) |
|
| Over limit fee | 2.5% |
| Card replacement fee – domestic | Rs.100 to Rs.250 |
Documents Required for Application
You are required to submit proof of identity, address, and income while applying for a Credit card. Here is a list of documents you can submit to prove your eligibility. Remember that this is not an exhaustive list and that the bank can ask you for additional documents.
| Proof of identity (any one) |
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| Address proof (any one) |
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| Income proof for self-employed individuals |
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| Income proof for salaried individuals |
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How to Apply Karnataka Bank Credit card Online
Applying for an Karnataka Bank Credit card is easy. BankBazaar offers paperless application for selected Karnataka Bank cards. You can check your eligibility, upload the documents, and apply for a card within a few minutes through the BankBazaar website.
- Visit BankBazaar Karnataka Bank Credit card Section.
- Choose a card that suits your spending pattern.
- Click on the ‘Check Eligibility’ tab.
- Fill in the required details to find out if you are eligible to apply for the card.
- You will be directed to the application page where you will have to fill in your details.
- Once you have entered all the necessary information, click on ‘Submit’.
- Upload your documents and click on ‘Submit’.
- After you have successfully provided all the required information, you will receive a message with your application ID.
Additionally, you can log on to the Karnataka Bank website and apply for a card online. Karnataka Bank offers online application for most of their cards.
- Step 1: Visit the official Karnataka Bank website.
- Step 2: Slide the cursor on the Credit cards tab and click on ‘Help Me Find a Card’.
- Step 3: Find the ideal card for you with the Simplyfier feature.
- Step 4: Read through the features and benefits of the card.
- Step 5: Click on ‘Apply’.
- Step 6: Fill in your personal and contact details.
- Step 7: A representative of the bank will contact you to take your application further.
You can also visit any Karnataka Bank branch near you to apply for a Credit card. If you want to apply for an Karnataka Bank banking partner card, you will have to visit the partner branch to complete the application process.
How to Track Your Application Status
If you want to find out whether your application has been approved by the bank, you can use the Track Application feature on the BankBazaar website.
- Step 1: Visit BankBazaar.com and click on ‘Track Application’.
- Step 2: Enter your application ID, mobile number, and click on ‘Track Application’.
- Step 3: The screen will display the status of your application.
You can also track the status of your application if you have applied for your card through the Karnataka Bank website.
- Step 1: Log on to the Karnataka Bank website.
- Step 2: You will find the ‘Track My Application’ link under the ‘Apply’ tab.
- Step 3: Enter your application or reference number to get the details.
- Step 4: You can also fill in your date of birth to track your application.
