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    We found 1 Vijaya Bank Gold Credit Card
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    Vijaya Bank Gold Credit Card is Rated as "Excellent!" by 1 Users

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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
      "Just Great Card"
      0.5 4.5/5 "Excellent!"
      In the year of 2006, I have taken this card. It is a very good card. I'm using this card Globally. The customer care are slow in responding. When i talk to the customer care executive, they will very slow. The card is so helpful to me. I never ever checked the interest rate and annual fee. I carry the card for the next month even if i not make the payment also. But they will charge for late fee. The penalty will be less compared to other bank cards.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 18, 2018
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