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Karnataka Bank, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, Karnataka Bank is a name to reckon in the credit market.
The customers can enjoy numerous benefits on tailor-made Karnataka Bank
For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle. Clearly understanding the customer’s spending habits, Karnataka Bank offers varied credit cards in the following categories.
1. Shopping Card
2. Cashback Card
3. Rewards Card
4. Travel Card
5. Life Time Free Card
6. Business Card
7. Lifestyle Card
8. Entertainment Card
From the above listed credit cards, you can choose the one that suits your priorities and spending behaviour. You can save a huge amount through offers and rewards provided in each category.
Individuals who want to apply for a Karnataka Bank credit card must meet the following eligibility criteria.
To apply for a Karnataka Bank credit card, you must fall into the age limit set by the bank. The applicant should be minimum of 21 years old and maximum of 60 years. Anyone falling under this age limit can apply for a credit card with Karnataka Bank. Add-on credit cardholder should 18 years old and above.
You must have a regular income to avail a Karnataka Bank credit card. The income criteria differ according to the features and specifications of the card. You can get a Karnataka Bank credit card with the minimum monthly income of INR 18,000. However, income may vary for other cards based on specifications and features.
The customer should show a proof of steady source of income to avail a credit card from Karnataka Bank. You can either be a salaried employee working in an established company or a self-employed professional managing your own business.
Nationality: The applicant should be a resident of India or Non-Resident Indian.
The applicant must check the following things while applying for a Karnataka Bank credit card.
Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill.
You can also get a Karnataka Bank credit card against a fixed deposit.
Age of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Credit History of the Applicant: Credit history is a clear proof of how an individual manages his/her credit related activities. A good credit history is highly preferred by the lender for offering a credit card.
Nationality Criteria of the Applicant: The applicant should be a resident of India or Non-Resident Indian.
How to Apply for Karnataka Bank Credit Card?
If you want to apply for a Karnataka Bank credit card, the process is simple, and you can follow the steps given below to get it.
To apply for a Karnataka Bank credit card, you need to submit the following documents.
Karnataka Bank cardholder can get interest free credit period of up to 50 days, however, it is subject to change according the scheme and card. You won’t get an interest free period if the previous month’s balance is not cleared in full on or before due date. Similarly, interest free period is not applicable for withdrawing cash from ATM.
Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set by the bank. The charges may vary for different cards depending on the schemes. Annual fees will not be refunded to the cardmember at the time of closure of the credit card.
Cash Advance Fees: The cardholder can use the credit card to withdraw money from ATMs in India and abroad any time. For each transaction, a fee of 2.5% of amount withdrawn or INR 300 will be charged, and it will be added in the next monthly bill. ATM transactions do not get interest free period unlike other purchases.
Late Payment Charges: Late payment charges are applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable
The credit limit on the Karnataka Bank credit cards are determined by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery.
The customer who wants to increase the credit limit can write to the bank asking for increase in the credit limit. While requesting for the increase, the cardholder needs to submit the financial documents such as salary slip, bank statement, income tax returns etc. However, the credit limit increase is determined at the sole discretion of the bank.
You can get in touch with the Karnataka Bank credit card customer care 24X7 by contacting the following numbers.
You can call the toll-free number 1800 425 1444 from your mobile and Landlines in India.
You can also write to Karnataka Bank to the following email id info(at)ktkbank(dot)com post your queries related to credit cards. You may have to enter your name and contact details for further assistance.
You can use the following methods to pay your Karnataka Bank credit card bills.
Karnataka Bank Account Holders:
You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a pre-determined amount from your account. This can help you pay the bills on time and avoid paying interest on late payment.
NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Bill Desk: You can use the Karnataka Bank Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to Karnataka Bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.
You can pay your Karnataka Bank credit card bills by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.
If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
It is now easy to check whether you are eligible to get a Karnataka Bank credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.
1. Visit the CreditMantri website
2. Click on ‘Credit Cards’ option which will take you to the page where a credit cards from varied banks are listed.
3. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
4. Click on ‘Check Eligibility’ which is displayed against the credit card you choose from the page.
5. You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on ‘Next’ to proceed to the next step.
6. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.
CreditMantri pre-screens your application and suggests the lender who suits your eligibility and is willing to lend to you. This increases the chances of approval rate and helps you get the right loan or credit card much easier.
1. Who can apply for Karnataka bank credit cards?
Karnataka bank credit cards can be applied by either individuals or by corporates. In case of individuals, the eligible applicants can be salaried persons, self-employed or professionals. Corporates can apply for the credit card of the bank to issue it to their employees, directors or authorized representatives who are eligible to spend on behalf of the company and charge it to the company account.
2. What are the modes of applying for a credit card from Karnataka Bank?
The easiest mode of applying for a credit card of the bank is through the online modes like mobile banking, internet banking or through the website of the bank. Customers can also contact the nearest branch of the bank or their home branch to apply for a credit card of Karnataka Bank.
3. Can a person with low income get the Karnataka Bank SBI Platinum Card?
Karnataka Bank SBI Platinum Card is a premium card disused by the bank and only applicants with high income and spending power are eligible to apply for this card.
4. Why does Karnataka Bank have SBI cards?
Karnataka Bank has issued credit cards in collaboration with SBI and has two variants of such credit cards that are offered to its customers, namely, Karnataka Bank SimplySave SBI card and Karnataka Bank SBI Platinum Card.
5. Is the age of the applicant considered for Karnataka Bank credit cards?
Yes age of the applicant is an important consideration to determine the eligibility for a credit card from the bank. If an applicant is below the age of 21 years, or above 65 years, such applicant will not be eligible for credit card of the bank.
6. Why is the credit profile of the applicant considered while issuing a credit card?
While issuing a credit card, the credit profile of the applicant is reviewed. This credit profile of the applicant is the credit score as well as the income of the applicant, past defaults in payment of loan or credit cards (if any), other obligations, etc.
7. Is a good credit score important for getting a Karnataka Bank credit card?
Yes. A good credit score is an important consideration for the issue of Karnataka Bank credit card. An applicant with a low credit score will generally not be issued a credit card.
8. What are the annual fees for Karnataka Bank credit cards?
The annual fees for Karnataka Bank credit cards are tabled below,
Type of card
Annual fees (excluding taxes)
Karnataka Bank SimplySave SBI card
Karnataka Bank SBI Platinum Card
9. Is a housewife eligible for Karnataka Bank credit card?
Yes. A housewife can also apply for a Karnataka Bank Credit Card. Such card issued will be an add on card on a primary card already issued to a family member. If the housewife holds a fixed deposit with the bank, such FD can also be used to get a credit card of the bank provided the bank approves it.
10. What is the helpline number of Karnataka Bank credit card?
The toll free helpline number of Karnataka Bank credit card is 1800 425 1444.
Gopalaraju B H
Tq you all
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