ING Vysya Bank Galaxia Credit Card
CancelPay once, keep it free forever, and never learn what a point is worth.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: The bank advertised the Galaxia's joining benefits as worth ₹2,000 but never published what they were
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until ING Vysya Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #985
Why #985 ING Vysya's own Mastercard World — lounge access, eleven golf courses and four reward points per ₹100 for ₹1,500 once and nothing a year. The bank never published what a point was worth. Carried for the record; ING Vysya Bank was merged into Kotak Mahindra Bank on 1 April 2015.
The take
The Galaxia is the more interesting half of the only credit-card shelf ING Vysya Bank ever issued on its own licence, and its fee shape is the best thing about it: ₹1,500 to join, then Nil annual, Nil renewal and Nil on add-ons, printed as four separate rows in the bank's own MITC. You paid once. The bank valued the joining benefits at ₹2,000 — more than the joining fee — but never published a single line saying what they consisted of. For a card at that price the benefit stack was unusually complete. It was a Mastercard World (the Credit Card T&Cs name it "Galaxia (world)"), and it carried complimentary airport lounge access at select domestic and international terminals in India through Mastercard's own programme, plus access to eleven premier golf courses with two complimentary rounds a year in two separate months, unlimited additional rounds at half the green fee, a seven-day booking window instead of ten, and a 24×7 golf concierge. Fuel surcharge came back on every pump in India between ₹400 and ₹2,500 of spend a cycle. Purchases above ₹5,000 converted to EMI at 3, 6, 9 or 12 months. The earn was four reward points per ₹100 on everything, six per ₹100 on categories you picked yourself, redeemable against flights, hotels, recharges, movies, bus tickets and merchandise — and worth exactly whatever the bank decided a point was worth that week, because clause 30.3.6 reserved that call and no document ever printed a number. There was no free insurance either; the MITC says so in as many words. Sourcing was capped at twenty cities and required a relationship with the bank — three salary credits of ₹20,000, or ₹1,00,000 of relationship value, or a ₹1,00,000 term deposit if you wanted it secured. It did not get long. ING Vysya's own card launched in 2013, replacing a Citibank-issued "ING Credit Card" the bank withdrew on 15 July 2013; on 1 April 2015 ING Vysya Bank itself was merged into Kotak Mahindra Bank, and the Galaxia went with it.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
ING Vysya Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- ₹1,500 once and then nothing — the MITC prints Nil against annual fee, renewal fee and add-on card fee
- Complimentary airport lounge access at select domestic and international terminals in India, through Mastercard's programme
- Eleven premier golf courses in India, two complimentary rounds a year taken in two separate months, then unlimited rounds at a 50% discounted green fee
- Four reward points per ₹100 on all spends, six per ₹100 on categories you selected yourself
- Points redeemable against flights, hotels, mobile and DTH recharge, movies, bus tickets and merchandise
- Fuel surcharge of 2.50% or ₹10 waived at every fuel station in India between ₹400 and ₹2,500 of cumulative spend a billing cycle
- Purchases above ₹5,000 convertible to 3, 6, 9 or 12-month EMI
Watch out
- WITHDRAWN — ING Vysya Bank was merged into Kotak Mahindra Bank on 1 April 2015 and the Galaxia was not carried forward under its own name
- THE POINT HAS NO PUBLISHED VALUE: the T&Cs reserve the conversion rate to the bank and say it may change without notice, and no ING document ever printed one
- Cancel the card and every accumulated point was purged; go overdue and they were purged 30 days later
- The ₹2,000 of joining benefits was never itemised anywhere the archive holds
- No free insurance of any kind — the MITC states outright that the bank offers none
- Foreign currency transactions carried a 3.50% markup, the Indian norm and no better
- Revolving credit ran 2.95% a month, which the bank itself annualises at 35.40%
- Late payment was a flat ₹500 and a returned payment ₹350; over-limit was 2.50% with a ₹700 floor
- Sourced in twenty cities only, and only to customers who already banked with ING Vysya
What these points actually fly
ING Vysya Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. ING Vysya Bank ceased to exist as a licensed bank on 1 April 2015, when it was merged into Kotak Mahindra Bank; the Galaxia was not reopened to new applicants under its own name.
ING Vysya Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against ING Vysya Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 5 of them, each with the day we read it
- official ING Vysya Bank's Galaxia Credit Card product page (archived 16-Aug-2014) — the reward rate, the lounge and golf benefits, the fuel-surcharge waiver and the city-capped eligibility
- official ING Vysya Bank's credit-card Most Important Terms & Conditions (archived 13-May-2014) — the two-column fee table that prints ₹1,500 joining against Nil annual, Nil renewal and Nil add-on
- official ING Vysya Bank's Credit Card Terms & Conditions (archived 13-May-2014) — the Rewards Program clause that reserves the value of a point to the bank and never prints one
- official ING Vysya Bank's credit-card landing page in its final months (archived 07-Mar-2015) — the whole shelf, and the ₹2,000 of joining benefits the bank claimed for the Galaxia
- official ING Vysya Bank's 2013 cardholder mailer — the bank withdrawing the Citibank-issued ING card and announcing its own