Karnataka BankKarnataka Bank MoneyPlant RuPay Platinum International Debit Card – Benefits, Fees & Eligibility
Is the Karnataka Bank MoneyPlant RuPay Platinum International Debit Card Right for You?
The Karnataka Bank MoneyPlant RuPay Platinum International Debit Card is best suited for users who prioritize Travel, Shopping, Dining. With an issuance fee of Free (1st year) and an annual maintenance charge of ₹200 + GST, this card offers free entry for new applicants. It offers Merchant Vouchers, Instant Discounts as its primary reward mechanism.
Key Card Details
Free (1st year)
₹200 + GST
Merchant Vouchers, Instant Discounts
₹25,000 per day
₹75,000 per day
Notable Perks
Welcome Offer
Card issuance charges are free for general customers.
Domestic Lounge Access
Complimentary access to select airport lounges once per calendar year (discontinued from 1st April 2026).
Dining Benefits
Exclusive dining discounts and offers available via RuPay merchant network.
Things to Consider
Annual maintenance charge of ₹200 plus GST applicable from the second year.
Lounge access benefit is scheduled to be discontinued from 1st April 2026.
Daily ATM withdrawal limit is restricted to a relatively low ₹25,000.
Benefits & Features
Welcome Offer
Card issuance charges are free for general customers.
Reward Type
Merchant Vouchers, Instant Discounts
Domestic Lounge Access
Complimentary access to select airport lounges once per calendar year (discontinued from 1st April 2026).
Dining Benefits
Exclusive dining discounts and offers available via RuPay merchant network.
Travel Benefits
Complimentary airport lounge access once per year and global acceptance at over 1 million ATMs.
Daily ATM Withdrawal Limit
₹25,000 per day
Daily POS/Online Spend Limit
₹75,000 per day
Fees & Charges
Issuance Fee
Free (1st year)
AMC Fee
₹200 + GST
Card Replacement Fee
₹100 plus GST
Pros & Cons
Pros
Key benefits and features of this card.
Zero issuance fee makes it highly accessible for general customers.
Complimentary domestic airport lounge access once per year.
Extensive global acceptance at over 1 million RuPay and Discover ATMs.
Instant auto-activation for merchant payments after first ATM use.
Robust security with SMS-based card blocking and 24x7 emergency helpline.
Cons
Key drawbacks and limitations of this card.
Annual maintenance charge of ₹200 plus GST applicable from the second year.
Lounge access benefit is scheduled to be discontinued from 1st April 2026.
Daily ATM withdrawal limit is restricted to a relatively low ₹25,000.
No reward points or cashback program; benefits are limited to merchant offers.
Product Details
Issued on the RuPay Platinum International network for global acceptance.
Accepted at over 1 million RuPay and Discover ATMs worldwide.
Linked directly to the bank account for real-time balance deduction.
Auto-activated for merchant payments 24 hours after first ATM cash withdrawal.
24x7 emergency helpline and SMS-based card blocking facility available.
Compatible with KBL Mobile Plus app for comprehensive mobile banking.
Benefits & Features
Welcome Offer
Card issuance charges are free for general customers.
Reward Type
Merchant Vouchers, Instant Discounts
Domestic Lounge Access
Complimentary access to select airport lounges once per calendar year (discontinued from 1st April 2026).
Dining Benefits
Exclusive dining discounts and offers available via RuPay merchant network.
Travel Benefits
Complimentary airport lounge access once per year and global acceptance at over 1 million ATMs.
Daily ATM Withdrawal Limit
₹25,000 per day
Daily POS/Online Spend Limit
₹75,000 per day
What matters, explained clearly
Introduction
The KBL MoneyPlant RuPay Platinum International Debit Card, issued by Karnataka Bank, is designed for customers seeking a globally accepted payment tool with premium travel benefits. It is linked directly to a bank account and offers worldwide acceptance at over 1 million RuPay and Discover ATMs. The card's top differentiating benefits include complimentary airport lounge access and 24x7 banking convenience across multiple channels.
Welcome Benefits
- Card issuance charges are free for general customers.
- For special eligibility and privileged customers, issuance charges are NIL.
Transaction Limits & Usage
- Daily ATM Withdrawal Limit: ₹25,000 per day.
- Daily E-commerce/POS Limit: ₹75,000 per day.
- The card is accepted at over 1 lakh ATMs in India and over 1 million RuPay and Discover ATMs worldwide.
- The card is automatically activated for payment transactions at merchant outlets within 24 hours of the first cash withdrawal at any MoneyPlant ATM or NFS ATM.
Fees and Charges
- Card Issuance Charges:
- General customers: Free.
- Special eligibility customers: NIL.
- Privileged customers: NIL.
- Annual Maintenance Charge (AMC) from the second year:
- General and special eligibility customers: ₹200 plus GST.
- Privileged customers: NIL.
- Card Replacement Charges: ₹100 plus GST.
Rewards & Offers
- Lounge Access: Complimentary access to select airport lounges once per cardholder per calendar year. This benefit is discontinued with effect from 1st April 2026.
- Merchant Offers: Exclusive discounts and offers are available across categories including Accommodation, Apparels, Cosmetics, Culinary, Dining, Food Delivery, Health & Wellness, Jewellery, Electronics, Travel, and Shopping. Specific offers include:
- VLCC Head-to-Toe Services at Rs. 3,499.
- Full Body Laser Hair Reduction at Rs. 44,444 (6 Sessions).
- VLCC Hydra Synergy Oxygenic Facial at Rs. 3,999.
- Summer Detan Facial at Rs. 825.
- Underarms Laser Hair Reduction at Rs. 999.
- 10% off on all purchases on Minimum Order Value Rs. 500 & above.
- 15% off on Food Bill.
Other Details
- The card provides a 24-hour emergency helpline for blocking the card or availing assistance at +91 802 202 1500.
- Cardholders can block their debit card through SMS by sending "BLOCK XXXX" (where XXXX is the last 4 digits of the card number) to +91 988 065 4321.
- The card is linked directly to the bank account, deducting amounts from the available balance for purchases or withdrawals.
- The CVV is a 3 or 4-digit code on the card used as an additional security measure for online or phone transactions.
- The KBL Mobile Plus app can be downloaded from the Google Play Store or Apple App Store for mobile banking.
- For lost or stolen cards, customers should immediately report the incident by emailing info@ktkbank.com or calling toll-free numbers 1800 425 1444 or 1800 572 8031.