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  • Vijaya Bank Debit Card

    Vijaya Bank Debit Card

    Overview of Vijaya Bank Debit Cards

    Vijaya Bank was established in the year 1931 in Mangalore. In the next 22 years after it was made a scheduled bank in 1958, Vijaya Bank grew steadily and merged with nine other small banks to achieve a pan India presence. The bank was nationalized in 1980 and currently has over 1512 branches in all 28 Indian states. To cater to the ever-growing financial needs of Indians, Vijaya Bank offers an array of banking solutions like loans, advances, savings, deposits, credit and debit cards for residents, NRIs and corporates.

    Vijaya Bank Debit Cards offers unmatched benefits to the cardholders like high withdrawal and transaction limit, wide acceptability and a hassle-free cashless transaction experience.

    Debit Cards Offered by Vijaya Bank

    Vijaya Bank offers a range of debit cards to suit different requirements of the customers. Some of the main features and benefits of Vijaya Bank debit cards are given below.

    Vijaya Global Debit cum ATM Card

    • This card is an international VISA debit card and can be used at merchant partner POS and also at ATMS.
    • Vijaya Bank offers the global debit card in partnership with VISA international and this card can be used at all Vijaya Bank ATMs and ATM centres with VISA sign both overseas and in India.
    • Vijaya Global Debit Card is accepted in over 2,49,000 merchant outlets in India and at more than 25.17 million outlets globally.

    Vijaya Bank RuPay Kisan Debit Card

    • This card is issued to customers with Vijaya Kisan Card account and is offered in partnership with RuPay.
    • This card can be used to withdraw cash from RuPay branded ATMs as well as ATMs of Vijaya Bank.
    • This card is offered free of charge and is valid for 10 years.

    Eligibility for Vijaya Bank Debit Cards

    Vijaya Global Debit cum ATM Card

    This card is issued to individuals, joint and NRE account holders maintaining an operative Current or Savings Bank account at any of the Vijaya Bank branches.

    Withdrawal and Shopping Limit for Vijaya Debit Cards

    Debit Card Variant

    Withdrawal Limit

    Shopping Limit

    Vijaya Global Debit cum ATM Card

    Rs.30,000 per day and Rs.10,000 for V-GenUth Savings account

    Rs.50,000 per day

    Vijaya Bank RuPay Kisan Debit Card

    Rs.30,000 per day

    Rs.25,000 per day

    Fees and Charges for Vijaya Bank Debit Cards

    Fees/Charges

    Vijaya Global Debit cum ATM Card

    Vijaya Bank RuPay Kisan Debit Card

    Hotlisting of Card

    Rs.50

    Rs.50

    Card Replacement

    Rs.100 for domestic photo and non-photo card and Rs.125 for EMV chip cards

    Rs.100

    Vijaya Bank ATM withdrawal

    First 10 transactions free. After the limit, Rs.20 for financial and Rs.8 for non-financial transaction

    Free

    Other Bank ATM withdrawal

    3 free transactions per month at ATMs in metro centres and 5 free transactions at non-metro centres. Beyond that, Rs.20 for financial and Rs.8 for non-financial transaction

    Rs.20 for financial and Rs.8 for non-financial transactions

    Cancellation Charges

    Rs.100

    Rs.100

    Rupay Platinum Debit Cards

    Issued by the National Payment Corporation of India (NPCI), the Rupay Platinum Debit Cards are linked to all schemes available for debit cards. It encloses a chip which provides added security features. The Rupay Platinum Debit Card can be used only in India and it comes with a validity of 5 years from the date of issuance. The card comes with higher transaction limits for ATM withdrawals and POS transactions; the daily limit being Rs.50,000 and Rs.1,00,000 respectively. Your Rupay Platinum Debit Card kit will be dispatched to the concerned branch and it will contain the following:

    • The debit card
    • Booklet of user guidelines
    • Pin-mailer
    • Pouch

    The name of the account holder, account number, and card number will be printed on the back side of the kit.

    Offers on Rupay Platinum Debit Cards

    Activation Offer

    Customers can avail a buy one get one offer from Café Coffee Day by simply presenting the coupon received during activation of the Rupay Platinum Debit Card. It’s a one-time offer.

    Value Added Offers

    • Access to Airport Lounge: Customer can get access to any of the listed lounges, by swiping their Rupay Platinum debit card for authorization. Authorization charges applicable are Rs.2 per access.
    • Service Assistance: Customers can dial the 24x7 toll free number and seek assistance on the following services:
    • Assistance on gift delivery
    • Assistance on flower delivery
    • Restaurant referrals and arrangement
    • Assistance on courier services
    • Car rental services
    • Reservations of golf courts
    • Booking movie tickets
    • Sightseeing services
    • Income tax filing
    • Investment and insurance consultancy
    • Personal Accident Coverage: Platinum RuPay Debit Card customers are eligible for a personal accident coverage of Rs.2 lakhs. Nominee of the account holder should intimate the bank within 45 days of occurrence of the incident for claim registration.

    Usage offers

    • Cashback offers: Platinum RuPay Debit Card customers can enjoy a 5% cashback on utility bills paid online or at POS terminals. The maximum cashback available is Rs.50 per month for electricity bills, gas, water, etc.
    • IRCTC payments: Cardholders can avail Rs.25 cashback on all bookings through irctc.co.in. Only one transaction is available per card and the minimum transaction amount shouldn’t be less than Rs.300.
    • No fuel surcharge: Platinum RuPay Debit Card customers can get 1% cashback at gas stations and petrol pumps for all transactions above Rs.300.

    The above offers are provided by National Payments Corporation of India and the offers can be changed or additional offers may be included any time. Refer to http://npci.org.in/offer_cashback.aspx for all latest offers on Platinum Rupay Debit Cards.

    Visa Platinum Debit Cards

    Visa Platinum Debit Cards too are linked with all schemes available for debit cards and it is issued by Vijaya Bank in association with VISA. The card is embedded with a chip for enhanced security. It is applicable for both domestic and international transactions. The card is valid for 5 years from the date of issue and it offers the same withdrawal limits as offered by Rupay Platinum Debit Cards. Your Visa Platinum Debit Card kit will be dispatched to the concerned branch and it will contain the following:

    • The debit card
    • Booklet of user guidelines
    • Pin-mailer
    • Pouch

    Rupay Aadhaar Card

    The Rupay Aadhaar Card is a debit card issued to customers who maintain a financial inclusion account at any of the branches of Vijaya Bank. It’s a non-photo card issued in line with the norms specified by NPCI. The card in designed in such a way that it can be linked to the aadhaar number of the customer thereby enabling biometric authorization. The card is issued free of charge for financial inclusion accounts and it comes with a validity period of 5 years. Cardholders can withdraw cash without any charges from Vijaya Bank ATMs and RuPay branded ATMs of other banks.

    Benefits of Vijaya Bank Debit Cards

    • Gives you the benefits of VISA cards.
    • Vijaya Bank debit cards are widely accepted and recognized and can be used at over 25 million merchant establishments globally.
    • RuPay Kisan Debit cards offered with Vijaya Bank comes loaded with features with no charge.
    • High withdrawal and transaction limit will offer greater flexibility to the customers.

    FAQs

    1. What is the number of financial transactions that I can make in a day with Vijaya Global cum ATM debit card?

      Cardholders can make up to 10 financial transactions per day using the card.

    2. How do I register my Vijaya Bank debit card for online transactions?

      The customer has to visit any of the Vijaya Bank ATMs and register the mobile number using the option available after entering the PIN. Select VBY registration under debit card on insurance listed under other services.

    3. What is Adhaar enabled RuPay debit cards?

      This debit card is issued to customers having financial inclusion account (FI) which is lined to the no-frills account of the customers. This is offered in association with RuPay, a domestic payment platform endorsed by NPCI.

    4. Will I incur any surcharge if I use my Global debit card for transactions at petrol pumps?

      Yes, you will incur a surcharge of 2.5% or Rs.10, whichever is higher on all transactions at petrol pumps and railways.

    5. What is the cap on monthly international transactions for non-chip cards?

      The monthly international transaction limit for non-chip cards is Rs.30,000.

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