Vijaya Bank MasterCard Global Credit Card
CancelThe only Mastercard Vijaya ever issued, and the only card of its era it let you fly on.
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 the two fees it collected on the day it issued one
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 #1035
Why #1035 Vijaya Bank's globally valid card before the chip, and the only one it ever badged Mastercard — twenty-two million merchants, a fifty-day float and a five percent minimum payment. Carried for the record; Vijaya Bank was amalgamated into Bank of Baroda on 1 April 2019.
The take
Every other card on Vijaya Bank's pre-chip shelf stopped at the Nepal border. This one did not, and that single fact is why it is worth reading about at all. The MasterCard Global was valid worldwide, accepted at twenty-two million merchants of which a lakh were in India, and — the part that matters to a traveller — the bank explicitly sanctioned it for "travel related expenses, purchase of Travelers' Cheques, Currency Notes etc." under the exchange-control rules of the day, with everything you spent abroad billed home in rupees. Cash came out of any interconnected Mastercard ATM up to half the credit line or ₹50,000, whichever was lower. The one hole in the map is a strange one: the card could not be used to pay in foreign exchange to parties resident in Nepal and Bhutan, the two countries every other Vijaya card could reach. The credit terms were the most generous the bank published. The line started at ₹75,000 with "No pre set maximum limit" above it. If you never opted into revolving you got up to fifty days of free credit, and if you did, the minimum payment was five percent of the bill — a fifth of the twenty-five percent floor Vijaya later imposed on the chip cards that replaced this one, and you could vary the percentage or clear the lot at any time. Statements arrived by e-mail weekly and again on the billing day at no charge, and the bill could be debited straight to your branch account. Add-on cards for a spouse, parents and children over eighteen were free for life, and an NRI could nominate a resident to hold one. Two things to hold against it. The loyalty scheme paid one point for every hundred rupees and Vijaya never once published what a point was worth, so the earn is unpriceable rather than small. And the insurance disappeared: the 2013 version of this page carried twenty-four-hour personal accident cover of ₹2 lakh for a road or rail death and ₹4 lakh for an air crash, and the last capture of the same page, two years later, simply does not have that line any more. The card cost ₹2,000 on the day it was issued and ₹1,000 every year after. 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
- Valid worldwide at twenty-two million merchant outlets, a lakh of them in India, when every other Vijaya card of its era stopped at Nepal
- Expressly sanctioned by the bank for travel expenses, travellers' cheques and currency notes under the exchange-control rules
- Everything spent abroad billed home in Indian rupees, with the statement e-mailed weekly and again on the billing day free of charge
- "No pre set maximum limit" above a ₹75,000 floor
- Free credit of up to fifty days if you never opt into revolving
- A minimum payment of just five percent of the bill, against the twenty-five percent Vijaya imposed on the chip cards that replaced this one
- Cash up to ₹50,000 or half the credit line at any interconnected Mastercard ATM
- Lifetime-free add-on cards for a spouse, parents and children over eighteen, and NRIs could nominate a resident holder
- The monthly bill could be debited straight to your account at the branch
Watch out
- WITHDRAWN — Vijaya Bank was amalgamated into Bank of Baroda on 1 April 2019, and the bank had already replaced this card with the VISA Global Chip
- YEAR ONE COST ₹2,000, NOT ₹1,000: the bank's own sentence collects a one-time entrance fee AND an advance annual subscription at the time of issue
- THE ACCIDENT COVER VANISHED: the 2013 version of this page carried ₹2 lakh for a road or rail death and ₹4 lakh for an air crash, and the last capture of the same page no longer has the line
- THE LOYALTY POINT WAS NEVER PRICED — Vijaya published the accrual and never published what a point was worth, in any document, ever
- It could NOT be used to pay in foreign exchange to parties resident in Nepal or Bhutan, the two countries the bank's domestic cards did reach
- No lounge access, no airline partner, no hotel partner, no transfer route, ever
- The card was valid for three years and the subscription was collected in advance every year regardless
- You stayed liable for misuse for thirty days after hot-listing if the claim on the bank exceeded ₹5 lakh
- Hot-listing cost ₹200, a replacement card ₹150 on top of it, and a duplicate statement ₹25
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 minimum gross income of ₹1,20,000 a year if salaried or ₹1,00,000 if self-employed — or, instead of income, a term deposit of ₹1,00,000 held two years or more, or a satisfactorily maintained credit facility of ₹5 lakh or more. The page also headed a section "For Corporates" and then printed no criteria under it, in every capture the Archive holds.
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 — 3 of them, each with the day we read it
- official Vijaya Bank's MasterCard Global Credit Card page (archived 13-Jul-2015) — the two fees and the sentence that stacks them, the worldwide validity, the credit terms and the loyalty-point accrual
- official The same Vijaya Bank page two years earlier (archived 02-Mar-2013) — carrying the personal accident cover that the later version drops
- official Vijaya Bank's 2006 "Vijaya International Visa Gold Cards" page — the ancestor of the globally valid tier, at the same ₹1,000 and ₹1,000