Vijaya Bank offers credit cards across two broad variants – one is the domestic card variant while the other is the international card variant. Let us study the variants of the cards in details:
Vijaya Bank Domestic Credit Cards
VISA Classic Credit Card – the card has the following features:
- The card is issued only to the existing account holders of Vijaya Bank
- Salaried class should have an annual income of at least Rs.6 lakhs while business or non-salaried class individuals should have an annual income of Rs.5 lakhs as the minimum criteria for applying for the card. Otherwise, a deposit of Rs.50, 000 for 2 years should be made for availing the card. If the Savings Account of the individual has an average credit balance of Rs.50, 000 in the previous 6 months, the card can be taken or the customer should have a credit limit of 2 lakhs.
- The minimum and maximum limit of the card is Rs.5000 and Rs.75, 000 respectively
- The card is valid in Indian and Nepal only
- The cash withdrawal limit applicable to the card is lower of Rs.25, 000 or 50% of the card limit
- An add-on card would have a cash withdrawal limit of Rs.2500
- The entrance fee and the annual subscription fee payable for the card is Rs.300 in each case
MasterCard Classic Credit Card – a card issued in alliance with MasterCard with the following points:
- Only existing accountholders of Vijaya Bank can avail this card
- The annual income of salaried individuals must be Rs.6 lakhs while the income of non-salaried class individuals should be Rs.5 lakhs, or a fixed deposit of Rs.50, 000 for min. 2 years is required for availing the card. Alternatively, the savings account must have an average balance of Rs.50, 000 in the last 6 months or the credit facility of the customer should be Rs.2 lakhs
- The card is a domestic card valid in India and Nepal
- The card limit is a minimum of Rs.5000 and a maximum of Rs.75, 000
- The cash withdrawal limit is Rs.25, 000 or 50% of the card limit whichever is lower
- The add-on card if availed would have a withdrawal limit of Rs.2500
- The card requires an entrance fee and an annual fee both of which are Rs.300
Vijaya Platinum Card – the features are:
- The card is valid in India and Nepal and is issued for 3 years
- If revolving credit is not availed, a free credit period of 50 days would be awarded to the cardholder
- The cash withdrawal facility is limited to a lower value of 50% of the card limit or Rs.25, 000
- Free lifetime add-on cards can be taken for spouse, dependent children and dependent parents
- Monthly bills can be paid using the revolving credit facility
- The card provides insurance cover against fraudulent use due to loss of card.
- An annual fee of Rs.300 would be payable from the 4th year
- The card is available to accountholders of the bank
- The individual should fulfil either one of the eligibility criteria from :
- Having a gross annual income of Rs.6 lakhs if he is salaried
- Having a gross annual income of Rs.5 lakhs if non-salaried
- Having a term deposit of at least Rs.50,000 for 2 years
- Having credit facility of Rs.2 lakhs and above
- If the balance in the savings account was a minimum of Rs.50, 000 in the last 6 months.
Vijaya Gold Credit Card – the card has the following characteristics:
- Only Vijaya Bank accountholders are eligible to obtain the card.
- Apart from being an accountholder, any one of the criteria should be fulfilled for having the card.
- Salaried class should have an annual income of Rs.12 lakhs and non-salaried class should have an annual income of Rs.10 lakhs
- A deposit of Rs.1 lakh should be maintained for 2 years
- The customer should enjoy a credit facility of Rs.5 lakhs
- The card is valid for use in India and Nepal with a minimum card limit of Rs.75,000 and no maximum cap.
- The cash withdrawal limit is restricted to the lower of Rs.50,000 or 50% of the card limit
- Add-on cards can withdraw up to Rs.5000 in cash
- The entrance and annual subscription fee amounts to Rs.1000 each
Vijaya Bank Global Credit Cards
MasterCard Global Credit Card – This is an international card with the following features:
- The card is valid for three years with a cash withdrawal facility of Rs.50,000 or 50% of the card limit whichever is lower
- The card provides insurance coverage against fraudulent usage if the card is lost
- Letting go of the revolving credit facility will ensure a 50 day credit facility to the cardholder
- Lifetime free add-on cards can be taken for parents, spouse and children
- Monthly bills can be paid using the revolving credit facility
- 1 loyalty points is allotted for every Rs.100 spent on the card
- Monthly credit card statements are dispatched to the cardholder free of cost
Eligibility Criteria – the following criteria are to be met –
- The individual should be an account holder with Vijaya Bank
- The individual should qualify for any one among the following criteria:
- The minimum gross income should be Rs.10 lakhs for self-employed individuals and Rs.12 lakhs for salaried individuals
- They have a term deposit of Rs.10 lakhs for a minimum tenure of 2 years
- The enjoy a credit limit of RS.5 lakhs and above
VISA Classic International Card – a card accepted worldwide having the following features:
- The minimum and maximum card limit is Rs.5000 and Rs.75,000 respectively
- Cash withdrawal; facility is limited to the lower of 50% of the card limit or Rs.25000
- Add-on cards feature a withdraw limit of Rs.2500
- The joining and annual fee of the card is Rs.400
Eligibility Criteria: the following requirements are mandatory:
- The person should be an existing accountholder
- He should meet at least one condition from the following –
- The annual income should be Rs.6 lakhs and Rs.5 lakhs for salaried and non-salaried class individuals respectively
- A deposit of Rs.50, 000 for a minimum term of 2 years
- A credit facility of Rs.2 lakhs.
- An average Savings Account balance of Rs.50, 000 in the last 6 months.
VISA City Specific Cards – cards which are specific to the city they are used in.
- The card is acceptable globally with a minimum card limit of Rs.5000 and a maximum limit of Rs.75,000
- The cash withdrawal limit is lower among Rs.25, 000 or 50% of the card limit
- Add-on cards’ cash withdrawal limit is Rs.2500
- The annual fee and the entrance fee is equal and is Rs.400 each
Eligibility Criteria: the following are a requirement:
- the individual should be an existing accountholder
- he should meet any one criteria –
- have a salary of Rs.6 lakhs if salaried or Rs.5 lakhs if non-salaried on annual basis
- own a deposit of Rs.50, 000 for 2 years
- have a credit facility of RS.2 lakhs
- maintain an average monthly balance in the savings account to the tune of Rs.50, 000 in the last 6 months
VISA Doctors Credit Card – a card issued to doctors with the following features:
- Accepted globally with minimum and maximum limits of Rs.5000 and Rs.1.5 lakhs respectively.
- Cash withdrawal limit is limited to lower of Rs.25, 000 or 50% of the card limit
- Add-on cards’ can withdraw cash up to Rs. 2500
- The annual fee and the entrance fee is equal and is Rs. 400 each
Eligibility Criteria: doctors should fulfill the following criteria –
- They should be a registered medical practitioner from any filed of medicine
- Salaried class doctors should have an annual income of at least Rs.6 lakhs
- Non-salaried class should have an income of at least Rs.5 lakhs
- They have a deposit of Rs.50, 000 or above for 2 years
- They enjoy a credit facility of Rs.2 lakhs
- Rs.50, 000 has been maintained in an average in their savings account in the last 6 months
VISA Nurses Credit Card – a card for nurses which has the following facilities:
- A global card having a credit limit range of Rs.5000 to Rs.75, 000
- The card has a cash withdrawal facility which is lower of Rs.25, 000 or 50% of the card limit
- Add-on card can withdraw cash up to Rs.2500
- The card does not have any entrance fee or an annual fee and is free for the lifetime
Eligibility Criteria: nurses should comply with the following eligibility criteria:
- The nurse should be employed in a Government hospital or hospital of repute
- Salaried nurses should have an income of Rs.6 lakhs annually while non-salaried ones should have an income of Rs. 5 lakhs
- They should have a term deposit of Rs.50, 000 for a minimum tenure of 2 years
- They should enjoy a minimum credit facility of Rs.2 lakhs
- Rs.50, 000 has been maintained as the minimum average balance in their savings account in the past 6 months
Fees and Charges for VISA Classic Chip Cards and VISA Global Chip Cards
The above-mentioned cards attract different types of entrance fees and other card usage charges. The complete list of their charges is outlined below:
|Nature of the Charge||VISA Classic Chip Credit Cards||VISA Global Chip Credit Cards|
|Annual subscription fee||Rs.400||Rs.1000|
|Hot – listing the credit card||Rs.200||Rs.200|
|Card replacement fee for non-photo card||Rs.150||Rs.150|
|Cash handling charges on ATM withdrawals||3% of the cash amount withdrawn||3% of the cash amount withdrawn|
|Cash withdrawn from ATMs of other banks in India||Rs.75||Rs.75|
|Cash withdrawn from ATMs of other banks abroad||Rs.100||Rs.100|
|Mark-up for international transactions done using the card||2.5%||2.5%|
|Revolving credit charges||1.75% per month||1.75% per month|
Apply for Vijaya Bank Credit Cards
Credit cards from the bank can be applied by visiting the Paisabazaar.com website which aggregates the various card features, the required eligibility criteria and the rewards that you can receive by applying for a specific credit card. This is the online application method and it is quite easy as well as simple to complete your application via the online route.
Vijaya Bank Credit Card Customer Care
Vijaya Bank Credit Card users can get in touch with the Vijaya bank’s customer care via call, email and SMS. Here are the details:
Vijaya bank credit card customer care number:
(BSNL) 1800 425 9992 / 1800 425 5885/ 1800 425 4066
Vijaya bank credit card customer care email ID: email@example.com OR firstname.lastname@example.org OR email@example.com
Vijaya bank credit card customer care SMS for hot listing credit cards: Send SMS to 575758 from Registered Mobile number by typing BLOCK VIJ XXXX (last 4 digits of your card number)
Frequently Asked Questions (FAQs)
- What is the revolving credit facility which is available in credit cards offered by Vijaya Banks?
Every credit card offered by the bank has a revolving credit facility which gives the cardholder respite from paying the outstanding balance on the credit card immediately. The cardholder has the option of repaying the outstanding balance of his credit card in installments instead of a lump sum if he or she is suffering from a financial crunch. The installment percentage should be a minimum of 25% of the credit card bill and thereafter in multiples of 5%. However, the minimum amount due of the credit card is to be paid off even if the revolving credit facility is utilized by the cardholder. A specified form for availing the revolving credit facility is to be submitted by the cardholder to the bank for activating this option.
- What is the minimum amount due on the credit card?
There is a minimum limit in every credit card of paying the outstanding credit card liability. This minimum limit is called the minimum amount due and the cardholder is required to make a minimum payment of the minimum amount due of the credit card while the rest can be carried forward to the next billing cycle using the revolving credit facility which is also available with the card.
- What is the charges payable on the cards issued by Vijaya Bank?
The credit cards issued by Vijaya Bank have some inherent charges which are charged from the cardholder if the card is used. Such charges include the card replacement charge which is applicable in case of a stolen or lost credit card, charges for offering chip based credit cards, card hot-listing charges which is levied for hot-listing a stolen or lost card, cash handling charges for withdrawing cash from ATMs whether from Vijaya Bank ATMs or ATMS of other banks, charges for transactions carried out at railways and petrol pumps and revolving credit charges.
- What is the billing cycle of Vijaya Bank Credit Cards?
The bills of credit cards issued by Vijaya Bank are generated on the 15th of every month or the next day if 15th is a holiday. On this date, the credit card bill for the previous month is generated and dispatched to the cardholder. The previous month would include all days from the 16th of the last month to the 14th of the current month and transactions carried out on any of these days would be included in the credit card bill.
- What is interest free credit?
Interest free credit is the period of credit during which no interest is levied by the bank on the outstanding balance payable on the credit card. A maximum period of 50 days from date can be enjoyed by the cardholder as interest free credit days on his credit cards, which includes up to 21 days before the bill amount is due.