Vijaya Bank VISA Nurses Card
CancelFree forever, for nurses, until you stopped using it.
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 benefit was the fee itself, which the bank waived for life
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 #998
Why #998 A lifetime-free globally valid Visa, issued by a state bank to nurses and nobody else — and it cancelled itself if you did not use it. Carried for the record; Vijaya Bank was merged into Bank of Baroda on 1 April 2019.
The take
Almost nothing on this board is genuinely free for life, and almost nothing on this board was built for one profession by a state-owned bank in Bangalore. The Vijaya Bank Nurses Card is both. Its own feature table says it twice — "Entrance Fee: Free" and "Advance Annual subscription: LIFE TIME FREE" — on a Visa that was valid globally, not a domestic-only card, which is more than the bank's own Platinum Jubilee managed. The gate was employment, not income in the usual sense: the nurse had to be a permanent employee of a government-recognised institution or a hospital or nursing home of repute. On top of that, one of four things — ₹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. The card itself was modest and honest about it: a limit between ₹5,000 and ₹75,000, cash up to ₹25,000 or half the limit, and ₹2,500 of cash on an add-on card. The asterisk is the thing to remember. Free for life came with a use-it clause: spend under ₹10,000 in twelve continuous months and the bank charged ₹100, and let the card sit unused for fifteen months and it cancelled itself automatically. That is an unusual way to price a giveaway, and it tells you what the card was for — Vijaya wanted the relationship, not the fee. It did not survive the bank's own rebuild: by 2016 the Card Services shelf listed two EMV chip cards and nothing else, and Vijaya published no notice about where this one went. On 1 April 2019 the 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
- Lifetime free on both counts — the bank's own table reads "Entrance Fee: Free" and "Advance Annual subscription: LIFE TIME FREE"
- Globally valid, unlike Vijaya Bank's domestic-only Platinum Jubilee card
- Open on employment rather than wealth — a permanent post at a government-recognised institution or a hospital or nursing home of repute
- 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
- A card limit from ₹5,000 to ₹75,000, with cash up to ₹25,000 or half the limit
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
- FREE FOR LIFE HAD A USE-IT CLAUSE: spending under ₹10,000 in twelve continuous months attracted ₹100, and fifteen continuous months of non-use cancelled the card automatically
- 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 airline and no transfer partner — only Vijaya's much later RuPay card ever carried a lounge
- The card limit stopped at ₹75,000, half the ceiling on the bank's Doctors card
- Hotlisting, replacement and duplicate-statement charges were levied as normal — the waiver covered the subscription only
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 nurse had to be a permanent employee of a government- recognised institution or a hospital or nursing home of repute, 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.