Karnataka Bank Credit Cards

About Karnataka Bank

Karnataka Bank is a private-sector bank founded in 1924 and headquartered in Mangaluru, with a strong presence across Karnataka and South India. It reaches the credit card market entirely through a co-branded partnership with SBI Card, offering two tiers: the entry-level SimplySAVE for everyday cashback, and the stronger-rewarding Prime for customers who want a higher earn rate. Both include utility bill payment cashback and fuel surcharge waivers.

Karnataka Bank's Card Lineup Compared

Card-by-Card Breakdown

Karnataka Bank SimplySAVE SBI is the accessible entry point at ₹499, well-suited to everyday, low-to-moderate spend where a large fee gap isn't worth taking on.

Karnataka Bank Prime SBI costs considerably more at ₹2,999 but delivers a meaningfully higher earn rate - the ₹2,500 gap needs to be recovered through stronger rewards on higher monthly spend before it becomes the better value choice.

Applying for a Karnataka Bank Credit Card

Since SBI Card is the actual issuer for both tiers, approval follows SBI Card's standard underwriting - a minimum income around ₹3 lakh p.a. and a CIBIL score of 700+. Existing Karnataka Bank account holders across Karnataka and South India typically see faster processing given the established banking relationship, though the application itself runs through SBI Card's systems.

How Karnataka Bank Compares to Other SBI Co-Branded Issuers

Karnataka Bank follows the same SimplySAVE/PRIME structure used by City Union Bank, Central Bank of India, and several other regional banks that partner with SBI Card instead of running an independent card program. Since the fee tiers and underlying benefits are essentially identical across these partnerships, the practical choice between banks usually comes down to where you already hold a savings or salary account, since that relationship typically speeds up approval regardless of which specific bank's branding appears on the card.

Explore the full card portfolio below to find the right card for your spending profile.