Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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.

    Top Vijaya Bank Credit Cards in India 2022

    Vijaya Bank Credit Card Joining Fee
    Visa Classic Rs.300
    MasterCard Classic Rs.300
    Vijaya Platinum Rs.300
    Visa Gold Rs.1,000
    MasterCard Global Rs.1,000
    Visa Classic International Rs.400
    Visa City Specific Rs.400
    Visa Doctors Card Rs.400
    Visa Nurses Card NIL

    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.25,000, whichever has the lower value. Some cards allow customers to withdraw 50 % of the card limit or Rs.5,0,000, 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 credit 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 Credit Card Fees and Charges

    Vijaya Bank Credit Card Joining Fee Annual Fee
    Visa Classic Rs.300 Rs.300
    MasterCard Classic Rs.300 Rs.300
    Vijaya Platinum Rs.300 Rs.300
    Visa Gold Rs.1,000 Rs.1,000
    MasterCard Global Rs.1,000 Rs.1,000
    Visa Classic International Rs.400 Rs.400
    Visa City Specific Rs.400 Rs.400
    Visa Doctors Card Rs.400 Rs.400
    Visa Nurses Card NIL NIL

    Vijaya Bank Credit Card 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 Credit Card Reward Points

    Usage Vijaya Bank Loyalty Points

    Purchase of goods or services

    1 point on every Rs.100

    Vijaya Bank Credit Card 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

    Documents Required for Vijaya Bank Credit Card

    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 –

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

    FAQs on Vijaya Bank Credit Card

    1. What is the credit limit on Vijaya Bank Credit Cards?
    2. 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.

    3. Is there a cash withdrawal limit on Vijaya Bank Add on credit cards?
    4. 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.

    5. What is the fee for replacing a credit card?
    6. The fee for replacing a credit card is Rs.172.

    7. What is the charge for getting a duplicate credit card statement?
    8. The charge for getting a duplicate credit card statement is Rs.29.

    9. Is there a surcharge on Vijaya Bank Credit Cards?
    10. 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.


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    Credit Card Reviews

    • Vijaya Bank
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Vijaya Bank credit card which was directly got through Bank .I am using this credit card for the past5 years.The credit limit was good and it was a free card ,This card is easy to use and the agent gave all the information about the card process .There are good reward points as well as cash back offers also .I am satisfied with the service.
      Was this review helpful? 16
      , bangalore
      Reviewed on Jul 08, 2019
    • Vijaya Bank
      Vijaya Bank
      0.5 4.0/5 "Great!"
      I am holding VIJAYA bank credit card for more than one year which was processed through an online. On time I received a card from bank.It is a life time free credit card. The credit limit is okay and sufficient given for 25 thousands. I use this card for shopping and restaurants.
      Was this review helpful? 10
      , bangalore
      Reviewed on Jul 02, 2019
    • Vijaya Bank
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Vijaya bank credit card from last 4-5 years, there was no annual fee charged for this credit card. I did not avail any offers on this credit card so far. Credit card services are very good in this bank and the credit limit is fine in this card.
      Was this review helpful? 10
      , bangalore
      Reviewed on Jan 09, 2019
    • Vijaya Bank
      "Need improvement on the credit card"
      0.5 2.0/5 "Expected more"
      I am not happy with Vijaya bank credit card, it charge me like anything, anyway its going to migrate with Bank of India. I am holding this card around six months , the payment gate is good, the offers are not attractive, even it has yearly charges.
      Was this review helpful? 9
      , mumbai
      Reviewed on Dec 01, 2018
    • Vijaya Bank
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with VIJAYA BANK , i discontinue the card because there is not any good benefits not even good offers with this card . They provided good credit limit . Customer support and their response is good . The card was chargeable .
      Was this review helpful? 10
      , pune
      Reviewed on Sep 03, 2018
    • Vijaya Bank
      "Average Card"
      0.5 5.0/5 "Blown Away!"
      I'm not sure about the interest rate and annual fee. Their is no thing special in this Vijaya bank. I have been using for more than 2 years. They have offered me a credit limit of Rs. 20000 which is okay for me. I don't find any cashback offers in there but rewards points is there. I'm not aware of the reward points to cash. I used to receive offer messages in my mail.
      Was this review helpful? 7
      , pune
      Reviewed on Jun 20, 2018
    • Vijaya Bank
      "Just Great Card"
      0.5 4.5/5 "Excellent!"
      In the year of 2006, I have taken this card. It is a very good card. I'm using this card Globally. The customer care are slow in responding. When i talk to the customer care executive, they will very slow. The card is so helpful to me. I never ever checked the interest rate and annual fee. I carry the card for the next month even if i not make the payment also. But they will charge for late fee. The penalty will be less compared to other bank cards.
      Was this review helpful? 9
      , bangalore
      Reviewed on Jun 18, 2018
    • Vijaya Bank
      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? 11
      , coimbatore
      Reviewed on Feb 14, 2018
    • Vijaya Bank
      "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? 8
      , bangalore
      Reviewed on Aug 31, 2017
    • Vijaya Bank
      "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? 7
      , thiruvananthapuram
      Reviewed on Mar 20, 2017
    • Vijaya Bank
      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? 10
      , hosur
      Reviewed on May 26, 2016
    • Vijaya Bank
      "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? 11
      , bangalore
      Reviewed on Jan 22, 2016
    • Vijaya Bank
      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? 9
      , mumbai
      Reviewed on Dec 31, 2015
    • Vijaya Bank
      "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? 19
      , goa
      Reviewed on Sep 14, 2015
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