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    Vijaya Bank Platinum Credit Card Reviews

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    Vijaya Bank Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    The Vijaya Bank Platinum Card has unique benefits and features to offer. This card is available only to Vijaya Bank account holders. With this credit card, customers can opt to pay the bill in full without revolving credit facilities and never incur any interest. These customers can enjoy credit periods of up to 50 days. With the option of revolving credit, customers can choose to pay as low as 5% as the minimum due, or a higher amount that suits them. Paying the credit card bill has also never been easier. Vijaya Bank will directly debit your bank account with the bill amount, or the amount you choose to pay. Enjoy this card for free for the first three years, and get free add-on cards for your family members!

    Benefits of Vijaya bank Platinum Card:

    • Cash Advance:
    • Withdraw up to 50% of your credit limit at any Mastercard ATMs for instant cash when you need it the most. You can withdraw up to Rs. 25,000.

    • Credit Period:
    • If you opt to not have revolving credit, you can enjoy a free credit period for up to 50 days. With this option, all bills must be settled in full.

    • Revolving credit:
    • If you choose to repay the outstanding balance based on revolving credit, Vijaya Bank offers different options. You can choose to pay the minimum due which is 5% of the balance. You can also increase this percentage or pay a lump sum as per your choice.

    • Insurance:
    • Cardholders are insured against fraudulent charges. In case you lose your credit card, report it to Vijaya Bank as soon as possible, and any transactions made after the date of reporting, you will not be liable.

    • Add on cards:
    • You can get free supplementary cards for your family members above the age of 18. The family members eligible for a Vijaya Bank Platinum Add-on card are parents, spouse and children.

    Features of Vijaya bank Platinum Card:

    • Validity:
    • The card is valid for 3 years. It is accepted only in India and Nepal.

    • E-Statements:
    • Credit card statements are sent every week via e-mail. One statement is also sent on the billing day. This service is free of charge.

    • Direct Debit:
    • Monthly bills will be directly debited from the cardholder's Vijaya Bank account.

    • Chip-embedded cards:
    • Vijaya Bank issues chip-embedded cards that offer enhanced security. A fee of Rs. 144 is charged for this service.

    • 24 X 7 Customer Care Centre:
    • Vijaya Bank offers a 24 X 7 Customer Care Centre to cater to your credit card queries and needs.

    Important Fees and Charges:

    Charge Amount
    Joining Fee Free
    Annual Fee Nil
    Renewal Fee Rs. 300 from the 4th year onward
    Interest rate Not specified

    Related charges:

    Charge Amount
    Cash withdrawal at Vijaya Bank ATM 3% or Rs. 10 (+ Service tax of 14.5%) whichever is higher.
    Cash withdrawal at other bank’s ATM 3% or Rs. 75 (+ Service tax of 14.5%) whichever is higher.
    Hotlisting card Rs. 229
    Card replacement Rs. 172
    Issue of chip card Rs. 144
    Fuel surcharge 2.5% or Rs. 10 (+ Service tax of 14.5%) whichever is higher.
    Railway surcharge 2.5% or Rs. 10 (+ Service tax of 14.5%) whichever is higher.
    Duplicate statement Rs. 29

    Eligibility for Vijaya Bank Platinum Card:

    To be eligible for a Vijaya bank Platinum Card, there is a criteria set by the bank. You should have an account with Vijaya Bank and satisfy one of the following:

    • Salaried individuals should be earning at least Rs. 60,000 p.a.
    • Self-employed should be earning at least Rs. 50,000 p.a.
    • You should have a term deposit of Rs. 50,000 for two years and above.
    • You have a satisfactory credit facility of Rs. 2 lakhs and above.
    • You maintained an average balance of Rs. 50,000 for the last 6 months.

    Vijaya Bank Platinum Card FAQs:

    1. Are there any joining or annual fees?
    2. This card is free for Vijaya Bank account holders. There is no joining fee. The card is issued with a three-year validity without any annual fees for this period. From the fourth year onwards, a fee of Rs. 300 is charged every year.

    3. Where can I use my Vijaya Bank Platinum credit card?
    4. The Vijaya Bank Platinum credit card is valid only in India and Nepal. The card is not accepted internationally. You can use your card at any merchant outlets and ATMs in India and Nepal.

    5. What do I do if my card is damaged?
    6. Report the situation to Vijaya Bank. If it is damaged you might not incur the replacement fee. If the bank levies a fee to send you a new card, it will cost Rs. 172.

    7. Will I incur any interest on my purchases if I choose to not have revolving credit?
    8. No, you will never incur interest. If you opt for no revolving credit, you can get a free period of up to 50 days from the date of your purchase. The total bill amount will be deducted from your Vijaya Bank account as you cannot carry forward a balance.

    9. What is the procedure to report the loss of my card?
    10. If you have lost your card, please report it immediately to the 24 X 7 Customer Care Centre. You can also hotlist cards via SMS facility provided by Vijaya Bank. After you have reported the card, you will not have to bear any liability for fraudulent charges on your credit card.

    11. Can I apply for this credit card without income proof?
    12. Yes, there are options to apply for this credit card without submitting income proof. You should be able to show one of the following:

      • A term deposit with Vijaya Bank of Rs. 50,000 for two years and above.
      • Satisfactory credit facility of Rs. 2 lakhs and above.
      • An average balance of Rs. 50,000 for the last 6 months.
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