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    We found 1 Vijaya Bank Gold Credit Card
    1st Year Fee
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    Vijaya Bank Gold Credit Card

    Fees & Charges

    Promised Interest Rate

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    Vijaya Bank Gold Credit Card

    Vijaya Bank is a pan India institution that serves diverse sectors of the country. Vijaya Bank offers its customers the Gold Credit Card in association with VISA. This credit card is a domestic card accepted in India and Nepal. There is no pre-set limit on the maximum credit card limit you can get. Enjoy benefits of cash advances when you need it the most. You can withdraw up to Rs. 50,000 on your credit card. In order to be eligible for this credit card, you need to be an account holder of Vijaya Bank.

    Features and benefits:

    • Cash Advance:
    • With the Vijaya Bank VISA Gold credit card, you can withdraw up to 50% of your credit limit, upto a maximum of Rs. 50,000.

    • Domestic validity:
    • The Vijaya Bank VISA Gold Credit Card is valid only for domestic use in India and Nepal.

    • E-Statements:
    • Going green, Vijaya Bank will email your credit card statements to your registered email address, free of charge.

    • Easy Bill Payments:
    • Vijaya Bank will directly debit your bank account in order to clear your credit card bill.

    • Chip-embedded cards:
    • Chip-embedded cards provide additional security against fraud.

    • 24 X 7 Customer Service:
    • For all your credit card-related queries and needs, Vijaya Bank provides a 24/7 customer care service.

    • Add on cards:
    • Let your family enjoy the benefits of the Vijaya Bank VISA Gold Credit Card. Get add-on cards for your family members above the age of 18.

    Important Fees and Charges:

    Charge Amount
    Joining Fee Rs. 1000
    Annual Fee Rs. 1000
    Interest rate Not specified

    Related information charges:

    Charge Amount
    Minimum credit limit Rs. 75,000
    Maximum credit limit No pre set limit
    Cash withdrawal charges at Vijaya Bank ATM 3% or Rs. 10 (+ Service tax of 14.5%) whichever is higher.
    Cash withdrawal charges at other bank’s ATM 3% or Rs. 75 (+ Service tax of 14.5%) whichever is higher.
    Cash advance limit 50% of card limit, subject to a maximum of Rs. 50,000
    Cash advance limit on add on cards Rs. 5,000
    Duplicate statement Rs. 29
    Issue of chip card Rs. 144
    Hotlisting card Rs. 229
    Card replacement Rs. 172
    Railway surcharge 2.5% or Rs. 10 (+ Service tax of 14.5%) whichever is higher.
    Fuel surcharge 2.5% or Rs. 10 (+ Service tax of 14.5%) whichever is higher.

    Eligibility for Vijaya Bank VISA Gold Credit Card:

    If you are interest in the VISA Gold Credit Card, you need to have an account with Vijaya Bank. You also need to satisfy one of the following requirements.

    • Salaried individuals should be drawing at least Rs. 1,20,000 p.a.
    • Self-employed should be drawing at least Rs. 1,00,000 p.a.
    • You should have a term deposit of Rs. 1,00,000 for two years and above.
    • You have a satisfactory credit facility of Rs. 5 lakhs and above.

    Vijaya Bank VISA Gold Card FAQs:

    1. Can I apply for this credit card if I’m not earning a salary?
    2. Yes, even without a salary or income proof, you can apply for this card if you can satisfy any one of the following:

      • Hold a term deposit with Vijaya Bank of Rs. 1,00,000 for two years or more.
      • You have a satisfactory credit facility of Rs. 5 lakhs or more.
    3. Are there any joining or annual fees?
    4. Yes, there is an entrance fee of Rs. 1,000 when you apply for the Vijaya Bank VISA Gold Credit Card. There is also an advanced annual subscription fee of Rs. 1,000. The total entrance or annual fee will be around Rs. 1,146 inclusive of taxes.

    5. Can I use the Vijaya Bank VISA Gold Credit Card when I go abroad?
    6. The VISA Gold card is valid only in India and Nepal. This credit card cannot be used abroad or internationally.

    7. What do I do if I lost my credit card?
    8. If you lose your credit card, call the 24 x 7 customer care service and report the loss immediately. Your card will be blocked to prevent fraudulent transactions.

    9. What is the highest credit limit I can get with the VISA Gold Credit Card?
    10. The minimum limit is Rs. 75000, but there is no maximum limit set by Vijaya Bank. The credit limit offered to you will depend on your income or customer relationship with the bank.

    Vijaya Bank Gold Credit Card Reviews

    • Vijaya Bank Credit Card
      0.5 4.0/5 "Great!"
      Credit limit with the Vijaya Bank is very good. They gave me rs 5,00,000 which is more than sufficient to me. But I am unable to make the payment via online thats the main disadvantage with Vijaya Bank. Also customer service and response is some what okay.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 14, 2018
    • Vijaya Bank Credit Card
      "Honest bank"
      0.5 5.0/5 "Blown Away!"
      Among all my credit card experience, Vijay bank is excellent, because they are good in charges. In term of offers also they are good, why I prefer Vijay bank especially they wont put any extra charges, they wont give any false commitment, they are very transparent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 31, 2017
    • Vijaya Bank Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      I am using classic credit card with Vijaya Bank. My credit limit is fifty thousand rupees. This card is very much convenient for me, not required to carry money all the way, instead it is very simple to carry my credit card. Offers and benefits are pretty good for the card.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 20, 2017
    • Vijaya Bank Credit Card
      0.5 5.0/5 "Blown Away!"
      Credit limit offered on the Vijaya Bank credit card is very good. Rate of Interest is very low. For every purchase we get the reward points like for Rs.100 we get one point which can be redeem through purchasing. They charge an annual fee of Rs.1147 in the initial stage itself. . They used to respond within 10-15 minutes through mail for our query. But it is difficult to get the card because they ask for too many documentation .
      Was this review helpful? 1
      , hosur
      Reviewed on May 26, 2016
    • Vijaya Bank Credit Card
      "Good limit!"
      0.5 5.0/5 "Blown Away!"
      Annual fee for this classic credit card is rs 100. More over the card can be availed by all the customers. Vijaya bank offered me a credit limit of 60K on the card. The executives are providing good response to the customer against the credit card and I am having the card with them for more than a year.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jan 22, 2016
    • Vijaya Bank Credit Card
      0.5 3.0/5 "Satisfactory"
      I got the vijaya bank credit card against to my fixed deposit. Being the nationalized bank they do not have much benefit but it is useful for the traveling person because it is the international credit card. They have annul fee of Rs.500.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 31, 2015
    • Vijaya Bank Credit Card
      "Good service "
      0.5 5.0/5 "Blown Away!"
      The service provided by Vijaya Bank based on the credit card service is really good.They have provided good customer service and I had a very good relationship withe Bank.There charges and interest rate was very less compared to any other Bank.I would like to recommend about Vijaya Bank to others.
      Was this review helpful? 8
      , goa
      Reviewed on Sep 14, 2015
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