Vijaya Bank Platinum Jubilee Credit Card
CancelThe birthday card: free for three years, and no points at all.
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 #1000
Why #1000 A bank's 75th-birthday card: free for three years, ₹300 after, accident cover you had to spend ₹10,000 a year to keep — and a MasterCard that stopped at the Nepal border. Carried for the record; Vijaya Bank was merged into Bank of Baroda on 1 April 2019.
The take
Vijaya Bank was founded in 1931, which puts its platinum jubilee in 2006, and this is the card it printed for the occasion. It is the only card on the bank's shelf that says out loud what it does not do: "The Vijaya Platinum Jubilee Credit Card does not have the facility of Loyalty Points." No points, no catalogue, no accrual — an unusually clean piece of writing from an issuer, and worth more than most reward programmes precisely because you knew where you stood. What it did carry was insurance, on terms nobody else on the shelf offered: twenty-four-hour personal accident cover of ₹1 lakh for death by road or rail accident and ₹2 lakh for death in an air crash — provided the cardholder had put at least ₹10,000 through the card in the preceding twelve months. Cover conditional on usage is a design choice, and a fairly cold one, but it was the bank's money and it was stated plainly. The geography is the catch. This was a DOMESTIC MasterCard, valid only in India and Nepal, on a shelf where the bank's plain Visa cards were globally valid. So the more "premium" card was the one you could not take abroad. Everything else was the Classic card's terms: three-year validity, free credit up to fifty days if you never revolved, instant cash up to half the limit capped at ₹25,000, lifetime-free add-ons for parents, spouse and children over eighteen, weekly transaction e-mails, and a revolving option with a 5% minimum payment — a fifth of the 25% floor Vijaya later imposed on its chip cards. It was free for three years and then ₹300 a year. Staff members and companies could not have it. By 2016 it was gone from the bank's own Card Services menu, 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
- No annual subscription for the first three years, then ₹300 a year — the bank's Classic card rate
- 24-hour personal accident cover of ₹1 lakh for death by road or rail accident and ₹2 lakh for death in an air crash
- Lifetime-free add-on cards for parents, spouse and children over eighteen
- Free credit of up to fifty days if you never opted into revolving
- A revolving option with a 5% minimum payment, a fifth of the 25% floor on the bank's later chip cards
- Instant cash up to half the card limit, capped at ₹25,000
- Insurance against fraudulent use on transactions made after you report the card lost
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 WAS A DOMESTIC CARD: the bank's own words are "a domestic MasterCard valid only in India & Nepal", on a shelf whose cheaper Visa cards were globally valid
- NO REWARDS AT ALL, and the bank says so: "The Vijaya Platinum Jubilee Credit Card does not have the facility of Loyalty Points"
- The accident cover only applied if you had put at least ₹10,000 through the card in the preceding twelve months
- No airport lounge — only Vijaya's much later RuPay card ever carried one
- Staff members and companies were barred from holding it
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 you had to hold a Vijaya Bank account and clear one of four bars: ₹60,000 of gross 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 savings balance of ₹50,000 over the previous six months. Staff members and companies were not eligible.
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 — 2 of them, each with the day we read it
- official Vijaya Bank's Platinum Jubilee Card page (archived 06-Jan-2013) — the India-and-Nepal restriction, the explicit absence of loyalty points, the conditional accident cover and the fee
- official Vijaya Bank's Charges of Cards page (archived 06-Aug-2016) — the later two-card credit shelf this card is no longer part of