Vijaya Bank VISA Classic Chip Card
CancelSixty thousand rupees of income, a global Visa, and 2.5% abroad.
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 fee it charged to issue it
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 #997
Why #997 The ₹400 rung of Vijaya Bank's chip shelf — globally valid, 2.5% abroad, and a loyalty point the bank never priced. Carried for the record; Vijaya Bank was merged into Bank of Baroda on 1 April 2019.
The take
The Classic Chip is the same card as Vijaya Bank's Global Chip with the numbers turned down, and the interesting thing is how little was turned down. It carried the same 2.5% markup on overseas transactions — a full point under India's 3.5% norm — the same three-year chip, the same worldwide acceptance across twenty-two million merchants, the same 1.75%-a-month revolving rate with its unusually high 25% minimum payment, the same free credit of up to fifty days, the same lifetime-free add-ons for a spouse, parents and children over eighteen. What changed is the size of it. The card limit ran from ₹5,000 to ₹75,000, where the Global Chip started at ₹75,000 and had no published ceiling. Instant cash was capped at ₹25,000 instead of ₹50,000. And the door was much lower: ₹60,000 of gross annual income if salaried and ₹50,000 if self-employed, or a ₹50,000 term deposit held two years, or an existing credit facility of ₹2 lakh — against ₹1,20,000, ₹1,00,000 and ₹5 lakh on the card above it. Companies got a genuinely odd deal on this rung. The corporate line drops the entrance fee entirely and charges ₹250 of advance annual subscription a card rather than ₹400 — cheaper for a company than for a person — though a firm applying for one or two cards was still billed for three. One loyalty point per ₹100 was the earn, and Vijaya never published what a point was worth. No lounge, no airline, no transfer partner, ever. 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
- A 2.5% markup on overseas transactions, a full point under India's 3.5% norm
- Globally valid at twenty-two million merchant outlets, a lakh of them in India, on a three-year chip
- An income bar of just ₹60,000 a year salaried, or ₹50,000 self-employed
- Issuable instead against a ₹50,000 term deposit held two years, or an existing ₹2 lakh credit facility
- Lifetime-free add-on cards for a spouse, parents and children over eighteen, and NRIs could nominate a resident holder
- Free credit of up to fifty days if you never opt into revolving
- Revolving at 1.75% a month with a 25% minimum payment — a high floor that clears the balance faster
- Corporate cards cost ₹250 a year with no entrance charge, cheaper than the ₹400 an individual paid
Watch out
- WITHDRAWN — Vijaya Bank was amalgamated into Bank of Baroda on 1 April 2019 and this card was not carried forward under its own name
- YEAR ONE COST ₹800, NOT ₹400: the bank collected a one-time entrance charge of ₹400 alongside the first ₹400 of annual subscription at issue, and the fee surfaces here can only show the recurring half
- THE POINT HAS NO PUBLISHED VALUE: one loyalty point per ₹100 is the whole reward story, and Vijaya never printed a rupee-per-point rate anywhere
- No airport lounge of any kind — only Vijaya's RuPay card ever carried one
- The card limit stopped at ₹75,000, which is where the Global Chip's started
- You had to bank with Vijaya Bank first; there was no route in for anyone else
- It could not be used to pay in foreign exchange to parties resident in Nepal or Bhutan
- Cash advances cost 3% plus ₹75 at another Indian bank's ATM or ₹100 at one abroad
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 a Vijaya Bank account and clear one of three bars: ₹60,000 of gross annual income if salaried or ₹50,000 if self-employed, a term deposit of ₹50,000 held two years or more, or an existing credit facility of ₹2 lakh and above. Companies needed ₹10 lakh of paid-up capital, audited accounts and at least three sponsored officials.
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 VISA Classic Chip Credit Card page (archived 06-Jan-2019) — the income bars, the fees for individuals and companies, the card limits and the loyalty-point accrual
- official Vijaya Bank's Charges of Cards page (archived 06-Aug-2016) — the two-column credit-card fee table, including the 2.5% overseas markup
- official Vijaya Bank's pre-chip VISA Classic International Card page (archived 13-Jul-2015) — this card before the chip, on terms identical field for field