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    Vijaya Bank Mastercard Global Credit Card

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    Vijaya Bank Mastercard Global Credit Card

    MasterCard Global Credit Card is one of the most popular credit cards offered by Vijaya Bank. This Bank is one among the handful of banks in India that have a principal membership of the MasterCard International and the VISA International. Vijaya Bank Credit Cards are available to customers in two variants depending on the transaction - domestic and global. Customers have the option to choose a credit card that best suits their needs based on additional features that are unique to each card. The card can be used for travel related expenses, remittances such as remittance toward imports, purchase of Traveler's Cheques, Cash Withdrawal, etc.


    • If the option of revolving credit has not been chosen by the cardholder then he/she can enjoy a credit free period of up to 50 days.
    • The cardholder’s family members can avail an extension of the credit limit offered to the primary cardholder, in the form of Vijaya Add-on cards which are free for lifetime. The primary cardholder can apply for an add-on card for his/her spouse, parents and also children who are more than 18 years old.
    • Repayment of monthly bills can be done in instalments if the customer has opted for the Revolving Credit facility. In this case, he/she can repay the credit due on his/her card in different percentages of the outstanding amount, and this is subject to a minimum limit of 5%.
    • There is high flexibility in terms of repayment of outstanding balance due as the customer can choose to either pay in varying percentages each month or pay a lumpsum amount at any point in time.
    • Customers can also avail Loyalty points on purchases made using this credit card. For each Rs. 100 spent on the purchase of products or services using the Vijaya Bank MasterCard Global Credit Card, the cardholder can earn 1 loyalty point.
    • Monthly bills will be directly debited to the main account which he/she has in the Vijaya Bank branch.


    • The Vijaya Bank MasterCard Global Credit Card has a 3 year validity.
    • It is issued in association with the MasterCard International. Therefore, it is accepted worldwide.
    • Customers can avail the facility of withdrawing cash instantly, for a maximum amount of up to 50% of the credit limit on the card. The maximum cap on this feature is Rs. 50000/-.
    • This card ensures high security through Personal Identification Number (PIN) authorization for cash withdrawal from any ATM that accepts MasterCard.
    • Over 22 million outlets across the world accept the MasterCard Global Credit Card including over one lakh domestic merchant outlets.
    • Transaction details on your credit card is sent to the customer’s e-mail address every week and also on the day of billing, free of cost.
    • Customers can also enjoy insurance coverage in the event of loss or theft of card and misuse of the same. Any transactions made on the card after reporting the loss to the concerned department of the Bank, will be covered under this facility.


    The following eligibility parameters are place by Vijaya Bank on the issue of MasterCard Global Card:

    • Individuals who are existing account holders of the Bank.
    • A Salaried individual must earn a Gross Income of at least Rs. 120000/- per annum and a Self-employed individual applicant must earn at least Rs. 100000/- per month in order to be eligible; Or
    • The applicant must have Term Deposit worth Rs. 100000/- placed for a deposit term of at least 2 years or more; Or
    • He/she must already have a credit facility of Rs. 5 lakh or above.
    • In order to avail a free add-on card, the supplementary applicant must be either the spouse, parent or child of the applicant. In order to be eligible for availing the add-on card, children of the primary cardholder must be at least 18 years old.
    • NRIs have the option of declaring a resident Indian as an add-on cardholder.

    Fees and Charges:

    Joining Fee Rs 1000/-
    Annual Fee Rs 1000/-
    Minimum Credit Card Limit Rs. 75000
    Cash Limit on Primary Card 50% of the card limit or 50,000/- whichever is lower
    Add-on Rs. 5,000/-
    Service Tax As applicable.

    Vijaya Bank Mastercard Gold Credit Card FAQs:

    1. In which countries can this credit card not be used?
    2. The MasterCard Global Card can be used anywhere in the world, except in Bhutan and Nepal, for the purpose of foreign exchange payment to the country’s residents.

    3. What all purposes can this credit card be used for?
    4. The card can be used for travel related expenses, remittances such as remittance toward imports, purchase of Traveler's Cheques, Cash Withdrawal, etc. which is permitted by the Exchange Control Regulations and/or Foreign Trade regulations, as applicable.

    5. What should I do in case of loss of card?
    6. In case of loss or theft of your Vijaya Bank MasterCard Global Card, you must immediately report the incident to the nearest office of the MasterCard International, its affiliates or to the Bank. You should also lodge a complaint at the nearest Police Station regarding the loss and obtain an acknowledgement of the complaint. Upon receiving information of the loss, the Bank will hotlist the card to prevent any misuse. The cardholder will be liable for any transaction on the card for a period of thirty days after the card has been hotlisted, if the amount that has been used on the card exceeds Rs. 5 lakhs.

    7. Will I be issued a duplicate card in the event of loss of card?
    8. Vijaya Bank will provide the customer a replacement card in the event of loss, theft or misplacement of the credit card. A nominal fee of Rs. 200/- will be charged by the Bank for hotlisting the credit card and for the issue of the replacement card, an additional fee of Rs. 150/- will be levied.

    9. Will Vijaya Bank issue duplicate monthly statements of my credit card account?
    10. Generally, the Bank does not provide duplicate credit card statements for a credit card account. But, if the customer places a request for the monthly statements of account and pays a fee of Rs. 25/- per statement, the bank may oblige to do so at its discretion.

    Vijaya Bank Mastercard Global 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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