Karnataka Bank credit cards

Two named SBI Card co-brands. Additional coverage outside the frozen 401-name audit; two limited issuer-bound statement-credit floors.

Both names have distinct limited issuer-bound statement-credit floors. No generic SBI alias or other-bank denomination is imported.

Verified names

1. Karnataka Bank SimplySAVE SBI Card
2. Karnataka Bank SBI Card PRIME

Conflicting partner copy

The bank's SimplySAVE page includes a ₹90,000 annual-spend fee-waiver paragraph, while its own features and FAQ, the bank catalogue and SBI Card's MITC refer to ₹1 lakh. We disclose this contradiction rather than choose one threshold for a score. PRIME partner copy also describes anniversary vouchers without fully binding the spend and fulfilment rules here. Confirm the named issuer documents and actual account terms.

Two checked floors; other benefits remain unpriced

The named issuer pages explicitly bind four reward points equal ₹1 toward outstanding card bills. Current Shop & Smile rules explicitly apply accrual and caps to the corresponding banking co-brands. Points outside the limited floors below, welcome gifts, vouchers, milestones, birthday and standing-instruction benefits, fuel relief, lounge access and fee waivers are unpriced, not absent. Partner waiver and anniversary-voucher caveats above remain.

Karnataka SimplySAVE and PRIME: named statement-credit floors

SimplySAVE earns 10 points per complete ₹150 on eligible dining and grocery MCCs, sharing a 5,000-point calendar-month accelerated cap, then one point per ₹150. PRIME earns 10 points per complete ₹100 in those eligible categories, sharing a 7,500-point calendar-month accelerated cap, then two points per ₹100; its individually named booklet binds those rules. Dining MCCs are 5812, 5813 or 5814; grocery is 5411. Both use four points equal ₹1 statement credit, full 4,000-point redemption blocks and a 60,000-point monthly redemption cap under current April 2026 rules. The floor projects twelve eligible monthly purchases and one annual request capped at 60,000 points, deducting one ₹99 plus GST request charge only when redeemable. Residual points have zero modeled value and expire after 24 months. Annual fees of ₹499 plus GST for SimplySAVE and ₹2,999 plus GST for PRIME are deducted without waiver assumptions. Identifiable eligible retail earns conservative base points; delivery does not prove dining MCC. UPI, fuel, utility, LIC, unknown and portal routes are unpriced. Welcome, birthday, standing instructions, anniversary vouchers, milestone gifts, lounge, movie, fuel relief and fee waivers are unpriced, not absent. Network remains unspecified. These estimates are limited floors, not full card valuations.

Karnataka SimplySAVE estimate → Karnataka PRIME estimate →

Scope and freshness

Checked 2 October 2026. This is a verified subset, not a guarantee of approval, availability or unchanged terms. Both estimates are limited to the verified rules and assumptions above; confirm current account terms and merchant eligibility.

Issuer sources

Bank catalogue · Bank SimplySAVE copy · Bank PRIME copy · SBI named SimplySAVE · SBI named PRIME · SBI MITC · Named PRIME reward and cap booklet · Current Shop & Smile co-brand and redemption rules · Issuer customer notices