If you are an international traveller, a Vijaya Bank Credit Card might be the card you want to bring on your journeys.  just be in top contention as your next credit card. Their credit cards are great to have on hand when you’re abroad and don’t want to carry a ton of cash. It’s also helpful that they’ve got fairly low foreign transaction fees, so you don’t have to worry about what your spending on food, dining and accomodations.

You’ve got numerous options when it comes to credit card choices and that’s why you need to be careful. It is easy to get credit-card-happy and apply all over the place but that can be a waste of time. What you actually need is a card that is going to enhance your lifestyle.

In order to determine which card is going to enhance your lifestyle, you need to figure out what your lifestyle actually needs. Vijaya Bank’s Visa Classic Chip Credit Card is great for those who are looking for enhanced travel. Our editors have researched the top details you need to know about the card so you can make an informed decision about whether or not it is right for you.

Looking for a credit card that you can use for your travels aboard because you don't want to carry loads of cash? Then get your own Vijaya Bank Credit Card today! Here's how to apply.

What are the Benefits of a Vijaya Bank Credit Card

Vijaya Bank offers a series of cards perfect for individuals with distinct lifestyle and spending habit. In this article, we’re going to look closely at the benefits and features that come with the Visa Classic Chip Credit Card.

The best thing about this credit card is the interest-free period of up to 50 days. Unlike other banks which only issue 23 to 30 days grace period, you’ve got a breathing space with your Visa Classic Chip Credit Card. In case you’re having a tough month, you can delay the payment and settle the amount within the given grace period.

Since this card issue very minimum foreign transaction fee, you can enjoy non-stop shopping when you’re abroad. No need to think of the fees that come with every swipe of the card. Moreover, it’s also great that this credit card is powered by Visa, letting you enjoy worldwide acceptance. Plus, you get access to exclusive deals and discounts on selected merchants and establishments. Avail of discounted car rentals, tours, accommodation and more.

Reward points can be earned with this credit card. Spend Rs 100 and earn one point. Redeem these points to get discounts on your shopping and travels.

What are the Fees of the Visa Classic Chip Credit Card

All credit cards issue charges for different transactions and penalties. However, what’s good about the Visa Classic Chip Credit Card is, you aren’t robbed with towering fees that you know nothing about.

You simply need to pay for a one-time entrance fee of Rs 400 and another Rs 400 for the annual fee or subscription. For the interest, you are only charged 1.75% per month, which is not bad. If you missed the 50-day grace period, you need to pay for Rs 250 for the late payment fee. In case you already used your available credits for the month and want to get cash advance, there will be a penalty of 3% of the total of each advance.

Overall, the Visa Classic Chip Credit Card is suited for people with moderate to high spending per month. It’s beneficial for those with more financial responsibilities each month, with a very low-interest charge.

Visa Classic Chip Credit Card
Vijaya Bank Classic Chip Credit Card

How to Apply for a Visa Classic Chip Credit Card

To order this card, you need to have an existing account at the Vijaya Bank. A minimum deposit amount of Rs 50,000 for two years is needed for applying for this credit card. For salaried employees, you must be earning at least Rs 60,000 or more. Self-employed individuals need to have an annual income of at least Rs 50,000 to apply.

To ensure the success of your application, you must comply with the said requirements. Take note that you should be at least 21 years old to apply and an Indian resident. Click here for more information.

For the credit limit, note that the bank will set a manageable amount depending on your credit score and ability to pay. The minimum limit is set at Rs 5,000 and the maximum is at Rs 75,000.

How to Contact Vijaya Bank (Bank of Baroda)

How to Contact 

Head office

41/2, Mahatma Gandhi Road, Stage 2,

Ulsoor, Bengaluru, Karnataka 560001, India

Telephone: 1800 425 9992 / 5885 / 4066

Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.