Vijaya Bank Visa Platinum Debit Cards - Benefits, Charges and Eligibility

VISA Platinum Debit Card is a Personalized Chip based Debit Card with enhanced security features. It is valid for both Domestic and International Usage. It will be packed and delivered to the branch in a separate kit containing the Debit Card, User Guidelines Booklet, Pouch, Pin-mailer and Leaflet. Name of the Card Holder, A/c Number and Card Number will be printed on the back side of the kit.

Vijaya Bank Visa Platinum Debit Cards Features

• VISA Platinum debit Cards are open to all schemes eligible for Debit Cards
• VISA Platinum debit cards are issued by the Bank in association with VISA
• VISA Platinum Debit Card is a Personalized Chip based Debit Card with enhanced security features
• VISA Platinum Debit Card is valid for both Domestic and International Usage
• VISA Platinum Debit Card is valid for 5 years from the date of issuance
• VISA Platinum Debit Cards are having higher withdrawal limits
• ATM Cash Withdrawal limit: Rs. 50,000 per day
• POS/E-Commerce limit: Rs. 1,00,000 per day

Vijaya Bank Visa Platinum Debit Cards Eligibility

• Individuals: All adult Individuals maintaining an operative Savings Bank account (including NRE accounts) or Current account with satisfactory operations with any one of our branches. In case of current accounts in the name of proprietor ship concerns, the debit cards will be issued in the personal name of the proprietor
• Joint accounts: For joint accounts with operation by any one or survivors, debit card can be issued to any one or more or all the joint account holders who are authorized to operate the account individually. Where the debit cards have to be issued for joint account holders, apart from the applicant's signature the signature of the other joint account holders should be obtained on the debit card application

Vijaya Bank Visa Platinum Debit Cards Fees & Charges

• Charges for issuance of Card : Rs. 300/- plus applicable taxes
• Second Year Onwards Annual Fee: Rs. 100/- plus applicable taxes
• Regeneration of PIN: Rs 50/- plus applicable taxes
• Replacement/Re-issue of Lost/Damaged Card: Rs 300/- plus applicable taxes
• Cancellation charges (if cancelled during first year of card issuance): Rs. 100/- plus applicable taxes
• Hotlisting charges: Rs 50/- plus applicable taxes
• Mark Up Charges for each POSP transaction at Petrol Pumps: 2.5% + GST
• Mark Up Charges for each POSP transaction at Railway Bookings: 2.5% + GST

Vijaya Bank Visa Platinum Debit Cards Benefits

• Multiple benefits of VISA
• Widely accepted and recognized and can be used at over 25 million merchant establishments globally
• High withdrawal and transaction limit will offer greater flexibility to the customers

Vijaya Bank Visa Platinum Debit Cards How to Apply

1. Contact your Branch.
2. If you don't have saving or Current Account, first open your account.
3. Get the Debit Card Application form from the Branch, fill it up and submit it to your Branch.
4. You will receive your Insta Debit Card & PIN (Personal Identification Number) at the time of submission of the application form.
5. In case of named Debit Card, the card will be delivered to the customer's residential address. The PIN will have to be collected from the respective Branch.
6. The customer has to activate the Insta Debit card after 24 hours from the receipt of the card by withdrawing cash from Dena Bank ATM.

Vijaya Bank Visa Platinum Debit Cards Documents Required

• Proof of Identity : Aadhaar Card/ PAN Card/ Passport Driving License/ Voter ID Card
• Proof of Address : Aadhaar Card/ Driving License/ Ration Card/ Voter ID Card/ Passport
• Passport sized photographs

What is EMV-Chip Based Debit Card?

EMV stands for Europay MasterCard and Visa, who developed this technology. EMV-chip based debit cards are the debit cards which have embedded microprocessor chip that stores and protects cardholders' information/ data. It uses enhanced security features to protect the important date of the card holders and discourages card's unauthorized usage.

EMV-chip based debit card generates fresh user data every time the user transacts. Therefore, it is impossible for hackers/ fraudsters to steal the information or copy the original data from any card. Further, EMV technology uses your debit card as well as PIN to complete any transaction.

What is a Contactless Debit Card?

Contactless debit card is a sensor embedded new age debit card that works on Near Field Communication (NFC) Technology using Radio Transmission to ascertain contact when the card is brought near a terminal. This enables the customers to make payments up to Rs.5,000 without swiping their cards & entering a PIN.

Benefits of a Contactless Card

• Fast & Convenient
• Safe & Secure
• No chance of losing or misplacing it

The Reserve Bank of India (RBI) has asked all banks in the country to replace magnetic-strip debit/ credit cards with EMV-chip based cards by 31 December 2018 as magnetic cards are quite vulnerable to skimming. Banks have already replaced the existing magnetic strip debit/ credit cards with latest EMV chip cards. Banks will provide it free of cost.