Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Vijaya Bank Visa Classic Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
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    Response Time Within 30 minutes

    Vijaya Bank Visa Classic Credit Card

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    Overview:

    Credit cards offered by Vijaya Bank are amongst the popular ones as they have a lot of attractive features to offer. The Visa Classic Credit Card is one such credit card, which is a domestic card issued by the Bank and is valid in India and Nepal.

    Vijaya Bank Visa Classic Card Features and Benefits:

    • Validity – The Vijaya Bank Visa Classic Credit Card can be accessed from anywhere in India and Nepal
    • Card Limit – The minimum limit of a Vijaya Bank Visa Classic Credit Card is Rs.5000 and the maximum limit is Rs.75000
    • Cash withdrawal facility – The Vijaya Bank Visa Classic Credit Card provides cash withdrawal facility to its customers, which is 50 percent or Rs.25000 of the card limit (whichever is lower). The withdrawal limit for add-on cards is Rs.2500
    • Joining and Annual Fees – The joining fees for a Vijaya Bank Visa Classic Credit Card is Rs.300 and the Advance Annual Subscription Fee is Rs.300

    Eligibility Criteria:

    • Any account holder of Vijaya Bank is eligible to apply for a Vijaya Bank Visa Classic Credit Card
    • Salaried employees should have an annual income of Rs.60,000 and the self - employed professionals or business class individuals must have an annual income of Rs.50,000 to apply for this card
    • Applicants must have a deposit of Rs.50000 for 2 years and a credit facility of Rs.2 lakhs to be eligible
    • Applicants should have a SB Account with an average balance of Rs. 50,000 for the last 6 months at least.

    Fees and Charges:

    Type Amount
    Fees for Joining Rs.300
    Annual Fees Rs.300
    Cash Withdrawal Charges (Vijaya Bank ATMs) Rs.10 or 3 percent plus 14.5 percent service tax (whichever is greater)
    Cash Withdrawal Charges (Other Bank ATMs located in India) Rs.75 or 3 percent plus 14.5 percent service tax (whichever is greater)
    Charge for Replacing Card Rs.172
    Surcharge Rs.10 or 2.5 percent (whichever is greater) on Petrol or Railway Transactions plus the 14.5 percent service tax
    Duplicate Statement Rs.29

    Vijaya Bank Visa Classic Credit Card FAQs:

    • In which countries can this card be used?
    • This card can be used anywhere in India and Nepal.

    • I have lost my Vijaya Bank Credit Card. What do I do?
    • You must immediately contact the bank and get your credit card blocked. To block a credit card, you can either make use of the SMS hot listing facility provided by the bank or you can contact the bank’s customer care department.

    • Will the bank replace my credit card if I lose it?
    • Yes, the bank will replace your credit card if you lose it, but you will have to pay a card replacement fee.

    • Can I track the status of my credit card application with Vijaya Bank online?
    • Yes, you can track your Vijaya Bank credit card application online on the bank website.

    • What is the maximum limit on this card?
    • The maximum limit on this card is Rs.75000.

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    Vijaya Bank Visa Classic Credit Card Reviews

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