Vijaya Bank VISA Doctors Card
CancelAllopathy, homeopathy, ayurveda, unani — the bank did not mind which.
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 — the joining benefit was three years without a subscription fee
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 #999
Why #999 A globally valid Visa for registered practitioners of any discipline, free for its first three years and ₹400 after — with a ₹1.5 lakh ceiling and nothing else attached. Carried for the record; Vijaya Bank was merged into Bank of Baroda on 1 April 2019.
The take
Vijaya Bank's Doctors Card is a small, precise product with one line worth quoting for its breadth: "All qualified registered medical practitioners under different disciplines viz. Allopathy, Homeopathy, Ayurveda, Unani etc are eligible for the card." Most profession cards in India draw the line at an MBBS; this one did not draw it at all, which for a state-owned bank in 2013 is a more interesting decision than anything else on the page. What the doctor got was a globally valid Visa with a limit between ₹5,000 and ₹1,50,000 — twice the ceiling on the bank's Nurses card — cash up to ₹25,000 or half the limit, and ₹2,500 of cash on an add-on. The fee was ₹400 once to enter and ₹400 a year, waived for the first three years, which for most holders meant the card was free until they had forgotten they had it. The routes in were the bank's usual four: ₹60,000 of annual income if salaried or ₹50,000 if self-employed, a ₹50,000 term deposit held two years, an existing ₹2 lakh credit facility, or an average balance of ₹50,000 in a Vijaya savings account over the previous six months. What it did not have is everything else. No lounge, no insurance, no accelerator, no co-brand, and not even a reward line on its own page — where the bank's shelf-wide terms award a loyalty point per ₹100, this page is silent and Vijaya never published what a point was worth in any case. By 2016 the card was gone from the bank's own Card Services menu, replaced by two EMV chip cards, and 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
- Open to registered practitioners of any discipline — the page names allopathy, homeopathy, ayurveda and unani
- No annual subscription for the first three years
- Globally valid, unlike Vijaya Bank's domestic-only Platinum Jubilee card
- A card limit up to ₹1,50,000 — twice the ceiling on the bank's Nurses card
- Four alternative routes in: ₹60,000 of salaried income, ₹50,000 self-employed, a ₹50,000 two-year deposit, a ₹2 lakh credit facility, or ₹50,000 of average savings balance over six months
- Cash up to ₹25,000 or half the card limit, and ₹2,500 on an add-on card
Watch out
- WITHDRAWN — the card had disappeared from Vijaya Bank's own Card Services shelf by 2016, and Vijaya Bank itself was amalgamated into Bank of Baroda on 1 April 2019
- IT COST ₹400 TO GET: the entrance charge was payable at issue even though the subscription was waived for three years, and the fee surfaces here can only show the recurring half
- The three-year waiver is a time window, not a spend waiver — from the fourth year the ₹400 was unconditional
- No reward line of any kind appears on this card's own feature table — no accrual, and no statement that it was excluded
- No airport lounge, no insurance, no accelerator and no co-brand — the profession gate is the whole product
- The bank's Nurses card was lifetime free where this one was not, on the same eligibility tests
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, and the card had already gone from the bank's own shelf years before that. While it was open the applicant had to be a qualified registered medical practitioner in any discipline and clear one of the bank's standard income, deposit, credit-facility or savings-balance tests.
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.