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Vijaya Bank Debit Card
A debit card is also known as a payment card or as plastic money. It deducts money from the cardholder’s account to pay for a purchase that is made. It is very convenient to use as one does not need to carry money or cheques to buy products that are required. It is also very safe and secure. It serves a dual purpose as it allows the individual to withdraw money from ATMs whenever needed and also allows the individual to make purchases using a PIN number if needed. It is very similar to a credit card except the money is instantly deducted or transferred from the cardholder’s bank account when a transaction is made. The use of debit cards is becoming increasingly common across the globe. With the advent of the debit card standing at long ATM queues, waiting in line to make utility bill payments and the fear of robbery in the city are all done away with. In addition to all this, a debit card has many more features such as cashbacks, discounts, partner tie-ups, airport lounge access, reward points and so on.
Types of Vijaya Bank Debit Cards
Vijaya Bank offers four debit cards to their customers.
- RuPay Platinum Debit Cards
- Visa Platinum Debit Cards
- RuPay Kisan Card
- RuPay Aadhar Card
Features of RuPay Platinum Debit Cards
Some of the main features of RuPay Platinum Debit Cards are:
- This debit card is issued by the bank in association with NPCI (National Payments Corporation of India) and has a personalized chip for enhanced security features.
- It is for domestic usage only and is valid for 5 years from the date of issue.
- The debit card has airport lounge access with listed lounges. The offer is valid for two lounge accesses every calendar quarter. There is an authorization charge of Rs.2 for access.
- There is a concierge service that is provided for gift delivery assistance, flower delivery assistance, restaurant referral and arrangement, courier service assistance, car rental and limousine referral and reservation assistance, gold reservation, movie ticket sourcing assistance, car rental and sight seeing assistance, IT Return assessment and filing assistance, investment consultancy and insurance consultancy.
- There is personal accident coverage of Rs.2 lakhs for the cardholder.
- There is a 5% cash back of the total bill paid on utility bills both online and at POS terminals. Cashback is capped at Rs.50 per month per card for electric, gas, water and sanitary bill payments only.
| Type of card | Transaction limit per day | RuPay Platinum Debit Cards | ATM withdrawal – Rs.50,000 POS/E-commerce transaction - Rs.1,00,000/- |
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Features of Visa Platinum Debit Cards
Some of the main features of Visa Platinum Debit Cards are:
- This debit card is issued by the bank in association with Visa and has a personalized chip for enhanced security features.
- It is for domestic usage only and is valid for 5 years from the date of issue.
- It is valid for domestic and international usage
| Type of card | Transaction limit per day | Visa Platinum Debit Cards | ATM withdrawal – Rs.50,000 Merchant transaction - Rs.1,00,000/- |
|---|
Features of RuPay Kisan Card
- This ATM enabled debit card is issued to customers who have a Vijaya Kisan Card account with the bank and is linked to VKC account of the customer
- It is a specially designed non-photo card that is launched in association with RuPay, a domestic payment branch promoted by NPCI
- It is valid for 5 years from the date of issue and is free of charge
- This debit card can be used at merchants to buy items needed for agriculture only*.
- The limits for cash withdrawal at ATMs, merchant transactions and number of financial transactions are subject to not exceeding the drawing power/seasonal sub limits fixed for VKC account of the cardholder.
- The drawing power is fixed by the branch based on the crops cultivated, area under cultivation and scale of finance.
Features of the RuPay Aadhaar Card
- This debit card is issued to customers having Financial Inclusion account at the bank and is linked to the No Frill Account of the customer
- It is specially designed as a non-photo card launched in associated with RuPay, a domestic payment brand that is promoted NPCI.
- This card is linked to the Aadhar number so that future card authorization is based on metric data stored with the Aadhar Authority in the place of a PIN. This is used to authorize the ATM and POS usage.
- This card is issued for free and is valid for 5 years.
- Cash can be withdrawn from all Vijaya Bank ATMs and other bank’s RuPay branded ATMs.
Eligibility criteria
Debit cards can be issued to all adult individuals, joint account holders and NRE account holders having working savings bank/current accounts at Vijaya Bank branches with satisfactory operations.
FAQs: Vijaya Bank Debit Cards
(1) What is the transaction limit on RuPay Platinum Debit Card?
On the RuPay Platinum Debit Card, there is an ATM withdrawal limit of Rs.50,000 per day and a POS/E-commerce transaction limit of Rs.1,00,000/- per day.
(2) What are the different debit cards offered by Vijaya Bank?
There are four debit cards that are offered by the Vijaya Bank. They are RuPay Platinum Debit Card, Visa Platinum Debit Cards, RuPay Kisan Card and RuPay Aadhar Card.
(3) Who are eligible to apply for a Vijaya Bank Debit Card?
Vijaya Bank debit cards can be issued to all adult individuals, joint account holders and NRE account holders having working savings bank/current accounts at Vijaya Bank branches with satisfactory operations.
(4) How much is given for personal accident insurance for RuPay Platinum Debit Cards?
There is a personal accident insurance coverage of Rs.2 lakhs for
RuPay Platinum Debit Cards.(5) What are the concierge services available with RuPay Platinum Debit Cards?
There are concierge services that are provided for gift delivery assistance, flower delivery assistance, restaurant referral and arrangement, courier service assistance, car rental and limousine referral and reservation assistance, gold reservation, movie ticket sourcing assistance, car rental and sight-seeing assistance, IT Return assessment and filing assistance, investment consultancy and insurance consultancy.
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