Vijaya Bank Credit Card

Vijaya Bank is one of the leading public sector banks in India with its headquarters in Bangalore, Karnataka. The bank was established in the year 1931 and today it has a presence all over the country, having around 1767 branches and 1509 ATMs.

Vijaya Bank offers a wide range of products and services to its customers, amongst which its credit cards are very popular. The bank has divided its credit cards in two categories – Domestic and Global. The domestic credit cards are accepted everywhere in India and Nepal, while the Global cards are accepted internationally. Customers can utilise these cards for any purpose and earn rewards as well.

Why Choose Vijaya Bank Credit Cards?

Vijaya Bank credit cards have a lot of advantages to offer to its customers. These cards can be used for various purposes and the cardholders earn loyalty points on their purchases. Vijaya Bank Credit Cards have attractive features and benefits such as 24x7 customer care service, add on cards, revolving credit facility, etc. Apart from this, the cards have low annual and joining fees.

Features and Benefits of Vijaya Bank Credit Cards:

• Validity – The global cards offered by Vijaya Bank are valid for use in any part of the world, while the domestic cards offered by the bank can be used anywhere in India and Nepal
• Card Variants – Vijaya Bank offers Visa and MasterCard credit cards in its domestic and global card categories. The cards have classic, city, gold and platinum variants. Apart from this, the bank offers exclusive credit cards for Doctors and Nurses.
• 24x7 Customer Support Service – Vijaya Bank offers 24x7 customer support services to its cardholders. The cardholders can contact the customer care centre for any queries related to their credit cards
• SMS Hotlisting Facility – Vijaya Bank credit cardholders can make use of the SMS Hotlisting Facility in case they lose their card. This service is easy to use and one can block their card by simply sending a SMS to the bank
• Cash Withdrawal Facility – Vijaya Bank offers cash withdrawal facility to its credit cardholders. People can withdraw 50 % of the card limit or Rs.25000, whichever has the lower value. Some cards allow customers to withdraw 50 % of the card limit or Rs.50000, whichever has the lower value
• Revolving Credit Facility – Vijaya Bank provides revolving credit facility to its credit cardholders, which allows cardholders to pay their monthly bills in instalments
• Loyalty Points – Vijaya Bank rewards its customers with loyalty points when they make purchases using their domestic or global credit cards
• Free Credit – The bank offers up to 50 days of free credit to its cardholders, provided they have not opted for the revolving credit facility
• Add on Cards – Cardholders of the bank can apply for add on cards, which can be used by their spouse or children or parents
• Protection – Vijaya Bank provides protection to its cardholders from fraudulent transactions that might take place in case they lose their credit cards
• Bills – The bank sends credit card transaction details to its cardholders every week via email and also on the date of billing. The bank does not charge money for sending these bills

Vijaya Bank Fees and Charges:

Vijaya Bank Interest Rates:

Vijaya bank offers competitive rates of interest to its credit cardholders. This interest rate is charged on the outstanding balance of their credit cards. However, if they clear their monthly bills on time, no interest is charged. On paying the minimum balance per month, a very small rate of interest is chargeable.

Vijaya Bank Rewards:

Vijaya Bank Eligibility Criteria:

You have to meet the following eligibility requirements in order to apply for a Vijaya Bank Credit Card –

• Applicants of Vijaya Bank Credit Cards need to have an account with the bank. The individuals applying for a Visa Doctors card have to be a qualified and registered medical practitioner and the individuals applying for a Visa Nurses card have to be a permanent employee of an institution recognized by the Government or of a reputed nursing home or hospital
• Income Criteria - Salaried employees must earn Rs.60, 000 per annum and self- employed professionals or businessmen must earn Rs.50, 000 per annum in order to be eligible. In case of Visa Gold Credit Card and MasterCard Global Credit Card, salaried employees should have an income of Rs.1, 20, 000 per annum and self-employed professionals and businessmen should have an income of Rs.1,00,000 per annum to qualify
• Deposit – In order to get a Vijaya bank credit card, individuals need to have a minimum deposit worth Rs.50, 000 with the bank for 2 years. Applicants of Vijaya Bank Visa Gold Credit Card and MasterCard Global Credit Card should have a term deposit of minimum Rs.1, 00,000 for at least 2 years
• Credit Facility – Individuals must have a credit facility of Rs.2 lakhs to be eligible. Only in case of MasterCard Global Credit Card and Visa Gold Credit Card, individuals must have a credit facility of Rs.5 lakhs to be eligible
• SB Account – Individuals must have an average balance of Rs.50, 000 in their SB Account for the past 6 months to be eligible

Vijaya Bank Credit Card Documents Required:

Some of the documents that the applicants are supposed to provide while applying for a Vijaya Bank credit card are as follows -

• The filled- up application form
• Income proof
• Salary Certificate
• Business income proof

List of Vijaya Bank Credit Cards:

Vijaya Bank has two credit card categories namely Domestic cards and Global cards.

Under the Domestic cards category, the bank offers the following –

• MasterCard Classic Credit Card
• Visa Classic Credit Card
• Vijaya Bank Platinum Credit Card
• Visa Gold Credit Card

Under the Global cards category, the bank offers the following –

• Visa Classic International Card
• Visa City Specific Cards
• MasterCard Global Credit Card
• Visa Nurses Card
• Visa Doctors Card

Vijaya Bank Credit Card FAQs:

• What is the credit limit on Vijaya Bank Credit Cards?

The minimum credit limit on Vijaya Bank Credit Cards is Rs.5000 and on some cards, the minimum limit is Rs.75000. The maximum credit limit on the cards is Rs.75000 and on some cards, the maximum limit is Rs.1, 50, 000. There is no maximum limit set on Visa Gold Credit Card.

• Is there a cash withdrawal limit on Vijaya Bank Add on credit cards?

The cash withdrawal limit on Vijaya Bank Add on credit cards is Rs.2500. The withdrawal limit on Add on cards of Visa Gold Credit Card and MasterCard Global Credit Card is Rs.5000.

• What is the fee for replacing a credit card?

The fee for replacing a credit card is Rs.172.

• What is the charge for getting a duplicate credit card statement?

The charge for getting a duplicate credit card statement is Rs.29.

• Is there a surcharge on Vijaya Bank Credit Cards?

Yes, there is a surcharge of Rs.10 or 2.5% (whichever has the higher value) on petrol pump and railways transactions made through Vijaya Bank Credit Cards. GST as applicable would be added on this surcharge.

*Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time. GST rate of 18% applicable for all financial services effective July 1, 2017