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Vijaya Bank Gold Credit Card

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Updated: 12-12-2025 05:15:12 AM

Vijaya Bank is one of India’s leading banking institutions providing several benefits to customers. One such option is the credit card facility which allows you to choose from a range of schemes based on your requirement and your spending needs. Vijaya Bank Gold Credit Card gives you a great option which does not come with any pre-set limit on the card. That way, you have a reliable payment option when you need it the most.

Features and Benefits of Vijaya Bank Gold Credit Card
Eligibility Criteria for Vijaya Bank Gold Credit Card
Fees and Charges with Vijaya Bank Gold Credit Card

Features and Benefits of Vijaya Bank Gold Credit Card

If you are looking for a reliable credit card option, then Vijaya Bank Gold Credit Card is the perfect choice for you. It comes loaded with several interesting and beneficial features as mentioned below:

  • This is a domestic credit card that you can use only in India and Nepal.
  • You can enjoy great cash advance benefits to get cash on the go. You have the option of withdrawing up to 50% of your credit limit, subject to a maximum withdrawal of ₹ 50,000.
  • You can get access to your credit card statement and also do your bit towards the environment by opting for the e-statement option. This allows you to get your monthly statement on a registered email ID without any additional cost.
  • You can choose to debit your bank account directly when your statement is issued to ensure that you do not miss any repayment dates.
  • To provide you with complete security against fraudulent usage of the card, you have the option of a chip-embedded card. This card is secure and very easy to use as well.
  • The 24×7 customer care service provided by Vijaya Bank for credit card users allows you to get any information that you need instantly. It also helps you prevent any fraudulent use by reporting your card immediately after you notice that it is missing.
  • The minimum limit available on this card is ₹ 75,000. There is no preset limit on the maximum amount that you can spend with this card.
  • You can ensure that all members of your family enjoy the benefits of Vijaya Bank Gold Credit Card with an-add on card facility. This card is available to your spouse, parents and children who are over 18 years of age.

Eligibility Criteria for Vijaya Bank Gold Credit Card

You need to fulfill some eligibility criteria in order to avail a Vijaya Bank Gold Credit card. This includes:

  • Minimum income of ₹ 1,20,000 for salaried individuals.
  • Minimum income of ₹ 1,00,000 for self-employed individuals.
  • You can get a Vijaya Bank Gold Credit Card if you have had a cash deposit of ₹ 1,00,000 or more for at least two years.

Fees and Charges with Vijaya Bank Gold Credit Card

There are some fees and charges associated with this card that you need to be aware of. This includes:

  • Joining fees: ₹ 1,000
  • Renewal fees: ₹ 1,000
  • Cash withdrawal charges at Vijaya Bank ATM: 3% of the amount or ₹ 10 + taxes, whichever is higher.
  • Cash withdrawal charges at any other ATM: 3% or ₹ 75 + taxes, whichever is higher.
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