Vijaya Bank Credit Card

Vijaya Bank credit cards are financial products offered by Vijaya Bank, providing customers with convenient payment options and a range of benefits. These cards come in various variants, including classic, city, gold, platinum, and even exclusive cards for healthcare professionals. They offer global or domestic usability, 24/7 customer support, cash withdrawal facilities, revolving credit options, loyalty point rewards, and added security features like SMS hotlisting and protection against fraudulent transactions. Vijaya Bank credit cards also provide billing statements for easy tracking of expenses.

Features and Benefits of Vijaya Bank Credit Card

Here are the features and benefits of Vijaya Bank credit cards in bullet points:

  1. Global Validity: Use global cards worldwide; domestic cards work in India and Nepal.
  2. Card Variants: Choose from Visa and MasterCard with classic, city, gold, and platinum options. Exclusive cards for doctors and nurses are available.
  3. 24×7 Customer Support: Access round-the-clock customer support for card-related queries.
  4. SMS Hotlisting: Block lost cards with a simple SMS to the bank for added security.
  5. Cash Withdrawal: Enjoy cash withdrawal of up to 50% of the card limit or a maximum of Rs. 25,000 (varies by card).
  6. Revolving Credit: Pay monthly bills in installments with the revolving credit facility.
  7. Loyalty Points: Earn loyalty points for purchases made using your domestic or global credit cards.
  8. Free Credit: Benefit from up to 50 days of interest-free credit if not using the revolving credit option.
  9. Add-on Cards: Apply for supplementary cards for family members.
  10. Fraud Protection: Get protection against fraudulent transactions if you lose your card.
  11. Billing Notifications: Receive weekly email transaction details and billing statements at no cost.

Vijaya Bank Credit Card Fees and Charges

  • Fees for Joining : Rs.400
  • Annual Fees : Rs.400
  • Cash Withdrawal Charges (Vijaya Bank ATMs) : Rs.10 or 3% + 14.5% service tax (whichever is greater)
  • Cash Withdrawal Charges (Other Bank ATMs in India) : Rs.75 or 3% + 14.5% service tax (whichever is greater)
  • Charge for Replacing Card : Rs.172
  • Surcharge on Petrol or Railway Transactions : Rs.10 or 2.5% (whichever is greater) + 14.5% service tax
  • Duplicate Statement : Rs.29

Vijaya Bank Credit Card Eligibility Criteria

The eligibility criteria for Vijaya Bank credit cards may vary depending on the specific card variant and location. However, here are some common eligibility requirements:

  1. Age: Typically, the primary cardholder should be between 21 to 60 years of age. The age limit may vary for supplementary cardholders.
  2. Income: You’ll need to meet a minimum income requirement to qualify for certain card variants. This requirement varies by card type and location.
  3. Creditworthiness: A good credit history and credit score are essential. A higher credit score increases your chances of approval.
  4. Residency: You may need to be a resident or citizen of the country where you’re applying for the credit card.
  5. Employment: Many credit cards require you to be employed with a stable income source. Self-employed individuals may need to provide additional documentation.
  6. Documentation: You’ll need to submit documents such as ID proof, address proof, income proof, and sometimes bank statements during the application process.
  7. Legal Requirements: You must meet all legal requirements and not be involved in any criminal activities that could affect your eligibility.

Documents Required for Vijaya Bank Credit Card

Applicants seeking a Vijaya Bank credit card are required to submit several documents, including:

  1. A completed application form.
  2. Proof of income.
  3. Salary certificate (for salaried individuals).
  4. Proof of business income (for self-employed individuals).

How To Apply for Vijaya Bank Credit Card

To apply for a Vijaya Bank credit card, follow these general steps:

  1. Check Eligibility: Review the eligibility criteria for the specific Vijaya Bank credit card you are interested in. Requirements may include age, income, credit score, and more.
  2. Choose the Card: Select the Vijaya Bank credit card that suits your needs and lifestyle. Different cards may offer various features and benefits.
  3. Gather Required Documents: Prepare the necessary documents, which typically include proof of identity, address, income, and other relevant information.
  4. Visit the Bank Branch: Go to your nearest Vijaya Bank branch, where you can pick up a credit card application form.
  5. Fill Out the Application: Complete the application form, providing accurate information as required. Double-check for completeness.
  6. Attach Documents: Attach the necessary documents as specified in the application form.
  7. Submit Application: Submit your filled-out application form along with the attached documents to the bank officials.
  8. Verification: The bank will verify the information provided and review your creditworthiness.
  9. Credit Check: A credit check will be performed to assess your credit history and credit score.
  10. Approval: If your application is approved, you will receive your Vijaya Bank credit card.
  11. Card Activation: Once you receive your card, you will need to activate it as per the instructions provided by the bank.
  12. PIN Generation: Set your Personal Identification Number (PIN) for the card, usually through an ATM.

List of Vijaya Bank Credit Card

In the Domestic cards category, the bank provides:

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

In the Global cards category, the bank offers:

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