Vijaya Bank Classic Credit Card
CancelThree hundred rupees a year for a card that stopped at Nepal.
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: Nothing published — Vijaya Bank advertised no joining gift on this card, only "fabulous discount available to select cardholders on their annual fees", which it never quantified
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 Vijaya 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 #1033
Why #1033 The bottom of Vijaya Bank's pre-chip shelf and the only rung it sold on both schemes — ₹300 a year, a card that stopped at Nepal, and a lakh of accident cover. Carried for the record; Vijaya Bank was amalgamated into Bank of Baroda on 1 April 2019.
The take
This was the floor of Vijaya Bank's shelf before the chip, and the bank sold it on both schemes at once — a page headed "Vijaya Classic Visa/MasterCard" in 2007, split into a VISA page and a MasterCard page later, with not one published number separating them. What it bought you was a small, domestic, deliberately unambitious credit card. The ceiling tells the story: ₹5,000 at the bottom, ₹75,000 at the top, and validity that ran to India and Nepal and stopped there. Cash was capped at ₹25,000 or half the limit, whichever was lower, and an add-on could draw ₹2,500 of it. The 2006 pages add the two things the later tables dropped — twenty-four-hour personal accident insurance up to ₹1 lakh on a Classic, and an instant cash facility at any of the bank's eight hundred-odd branches against the passbook issued with the card, ₹10,000 a month at this tier. Add-on cards went to parents, spouse and children over eighteen regardless of their own income, billed to the primary. Two things it did not have. There was no reward programme at all — no point, no rate, no redemption, on any of the four Vijaya documents that describe this card, while the bank's globally valid cards did publish a loyalty point. And there was nothing for a traveller: no foreign acceptance, no airline, no hotel, no transfer route, nothing at an airport. If you wanted a Vijaya card that worked abroad, you paid ₹400 for the international Classic or ₹1,000 for the Global, and this one was never in that conversation. On 1 April 2019 Vijaya Bank was amalgamated into Bank of Baroda.
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
Vijaya 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
- ₹300 a year, the cheapest rung Vijaya Bank published on its pre-chip shelf
- Sold on both schemes at identical terms — the bank's own 2007 page is headed "Vijaya Classic Visa/MasterCard"
- An income bar of just ₹60,000 a year salaried and ₹50,000 self-employed
- Issuable instead against a ₹50,000 term deposit held two years, an existing ₹2 lakh credit facility, or a savings balance averaging ₹50,000 over six months
- Twenty-four-hour personal accident insurance up to ₹1 lakh, per the bank's 2006 benefit page
- Instant cash of ₹10,000 a month over the counter at any branch, against the passbook issued with the card
- Lifetime add-on cards for parents, spouse and children over eighteen regardless of their own income
Watch out
- WITHDRAWN — Vijaya Bank was amalgamated into Bank of Baroda on 1 April 2019, and this card had already been replaced by the chip shelf years earlier
- IT DID NOT WORK ABROAD: the bank's own feature table reads "Validity | India & Nepal", so this card was useless the moment you left the subcontinent
- A ₹300 ENTRANCE FEE IS ALSO PUBLISHED and is not in the headline number: Vijaya listed it beside the ₹300 subscription and never said whether year one billed ₹300 or ₹600
- NO REWARDS AT ALL: none of the four Vijaya documents describing this card names a point, a rate or a redemption — the loyalty scheme was on the Global cards only
- No lounge access, no airline partner, no hotel partner, no transfer route, ever
- The credit limit stopped at ₹75,000, and cash at ₹25,000 or half the limit, whichever was lower
- Add-on cards carried their own charges — ₹100 to enter and ₹150 a year, per the bank's 2007 fee structure
- Hot-listing a lost card cost ₹200 and replacing a broken one ₹150
What these points actually fly
Vijaya 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. Vijaya Bank ceased to exist as a licensed bank on 1 April 2019, when it was amalgamated into Bank of Baroda. While it was open you had to hold an account with the bank and show ₹60,000 of annual income if salaried or ₹50,000 if self-employed or in business, supported by IT returns, Form 16 or a salary certificate — or, instead of income, an unencumbered term deposit of ₹50,000 held two years or more, a satisfactorily maintained credit facility of ₹2 lakh or more, or a savings account averaging ₹50,000 over the previous six months.
Vijaya 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 Vijaya 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 — 4 of them, each with the day we read it
- official Vijaya Bank's VISA Classic Credit Card page (archived 13-Jul-2015) — the eligibility routes, the India-and-Nepal validity, the card limits and the two fees
- official Vijaya Bank's MasterCard Classic Credit Card page (archived 13-Jul-2015) — the identical table that makes this one card on two schemes rather than two cards
- official Vijaya Bank's 2007 "Vijaya Classic Visa/MasterCard" page — the bank's own single page for both schemes, with the add-on charges and the ₹1 lakh accident cover
- official Vijaya Bank's credit-card services page (archived 15-Oct-2006) — the hot-listing and replacement charges