Vijaya Bank VISA Gold Credit Card
CancelNo ceiling on the credit line, and a hard ceiling at the Nepal border.
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
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 #1034
Why #1034 Vijaya Bank's domestic Gold — no preset credit ceiling, ₹4 lakh of air-crash cover, and a card that still could not be used outside India and Nepal. Carried for the record; Vijaya Bank was amalgamated into Bank of Baroda on 1 April 2019.
The take
The domestic Gold is the strangest rung on Vijaya Bank's old shelf, because it spends its whole budget on balance-sheet and none of it on reach. On the money side it is genuinely generous for the price: the credit limit starts at ₹75,000 and the bank's own table gives the top of it as "No pre set limit", which is a phrase you rarely see on a ₹1,000-a-year card. Cash ran to ₹50,000 or half the line, whichever was lower, with ₹5,000 of that available to an add-on. The 2006 benefit pages add ₹25,000 a month of instant cash over the counter at any branch against the passbook issued with the card, and the insurance that made the Gold tier worth having: twenty-four-hour personal accident cover of ₹2 lakh for death in a road or rail accident and ₹4 lakh for death in an air crash. Then you look at the validity row and it reads "India & Nepal". A card with no published credit ceiling and air-crash cover that cannot be used on the flight it insures you for is a product designed by two departments that never met. Vijaya sold globally valid cards at the same moment — the international Classic at ₹400 and the Global at ₹1,000, the latter costing exactly what this one cost — so anyone who actually flew was paying the same money for the wrong card. The door was ₹1.20 lakh of annual income if salaried and ₹1 lakh if self-employed, or a ₹1 lakh term deposit held two years, or an existing ₹5 lakh credit facility. There was no reward programme of any kind: no point, no rate, no redemption, on any of the three Vijaya documents that describe this tier, while the bank's global cards did publish a loyalty point. The tier had earlier been sold on both schemes and at a different price — ₹1,500 to enter and ₹500 a year — before the bank settled on a Visa badge and a flat thousand at each end. 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 pre set limit" at the top of the credit line, in the bank's own words, on a ₹1,000-a-year card
- Personal accident cover of ₹2 lakh for death in a road or rail accident and ₹4 lakh for death in an air crash, per the bank's 2006 benefit page
- Cash up to ₹50,000 or half the credit limit, whichever was lower
- Instant cash of ₹25,000 a month over the counter at any branch, against the passbook issued with the card
- An income bar of ₹1.20 lakh salaried and ₹1 lakh self-employed
- Issuable instead against a ₹1 lakh term deposit held two years, or an existing ₹5 lakh credit facility
- Lifetime add-on cards for parents, spouse and children over eighteen regardless of their own income
Watch out
- WITHDRAWN — Vijaya Bank was amalgamated into Bank of Baroda on 1 April 2019, and this card had already been replaced by the chip shelf years earlier
- IT DID NOT WORK ABROAD: the bank's own feature table reads "Validity | India & Nepal" on a card carrying air-crash cover — you could not buy the ticket with it
- VIJAYA'S GLOBAL CARD COST THE SAME ₹1,000 and worked worldwide, so this tier was the wrong purchase for anyone who travelled
- A ₹1,000 ENTRANCE FEE IS ALSO PUBLISHED and is not in the headline number: Vijaya listed it beside the ₹1,000 subscription and never said whether year one billed ₹1,000 or ₹2,000
- NO REWARDS AT ALL: none of the three Vijaya documents describing this tier names a point, a rate or a redemption
- No lounge access, no airline partner, no hotel partner, no transfer route, ever
- The fee moved against the holder over time: the 2007 structure was ₹1,500 once and ₹500 a year, which is ₹500 cheaper from year two onwards
- Add-on cards carried their own charges — ₹500 to enter and ₹250 a year, per the bank's 2007 fee structure
- Hot-listing a lost card cost ₹200 and replacing a broken one ₹150
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 ₹1,20,000 of annual income if salaried or ₹1,00,000 if self-employed or in business, supported by IT returns, Form 16 or a salary certificate — or, instead of income, an unencumbered term deposit of ₹1 lakh held two years or more, or a satisfactorily maintained credit facility of ₹5 lakh or more. Unlike the Classic below it, this tier published no savings-balance route in.
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 Gold Credit Card page (archived 13-Jul-2015) — the income bars, the unlimited top of the credit line, the India-and-Nepal validity and the two fees
- official Vijaya Bank's 2007 "Vijaya Gold Visa/MasterCard" page — the earlier fee pair, the add-on charges and the ₹4 lakh air-crash cover
- official Vijaya Bank's credit-card services page (archived 15-Oct-2006) — the hot-listing and replacement charges