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Subsequent to RBI policy of “Free access to ATMs of banks”, coming into the effect from April 01, 2009 we have been receiving many queries related to ATM operations. Therefore, for the purpose of customer awareness, some Frequently Asked Questions (FAQ) covering all important queries related to ATM operations has been prepared by Reserve Bank of India (RBI).

Format for lodging complaints on 'Failed' ATM Transactions

Vijaya Global Debit Cum ATM Card

Vijaya Global Debit Cum ATM Card is the VISA International Debit Card issued by our Bank to its account holders for using it at Merchant Establishments and at Automated Teller Machines (ATMs).

The Vijaya Global Debit cum ATM card has been launched in association with VISA International.
The Vijaya Global Debit cum ATM card can be used at all Vijaya Bank ATMs. It can also be used in networked VISA ATMs of any Bank in India and abroad. The card has wide acceptability – over 2,49,000 merchant establishments in India and 25.17 million globally.

Salient Features

The salient features of Vijaya Global Debit cum ATM Card are as follows:
Limits for transactions

Sl.No. Facilities Maximum limit (subject to balance in the account)
1 ATM cash withdrawal limit per day Domestic / International  Rs.30,000/-
2 ATM cash withdrawal limit per day for V-GenUth Savings Bank Account  Rs.10,000/-
3 Merchant transaction limit per day
Domestic/International
Rs.25,000/-
4 No. of transactions per day (financial) 10

 

Eligibility Criteria

The Vijaya Global Debit cum ATM card will be issued to all adult individuals, joint account holders & NRE account holders maintaining operative Savings Bank/Current accounts at our branches with satisfactory operations.

 Type of customers Eligibility criteria
a) Individuals GlobalAll 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.

b) 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.



Validity
Vijaya Global Debit cum ATM Card is valid for use at our Bank’s ATMs, other Bank’s VISA ATMs and merchant establishments in India and abroad. Vijaya Global Debit cum ATM Card is not valid for payment in foreign exchange at merchant establishments in India, Nepal & Bhutan.

Vijaya Global Debit cum ATM card is valid up to the last working day of the month indicated on the card.
The validity of the card shall be five years from the last day of the month in which the card is issued.

Renewal
The Vijaya Global Debit cum ATM Card will be renewed on expiry of 10 years. Debit card is allowed for usage in Internet for websites where Verified by VISA authentication is mandatory. The guidelines for using the debit card in internet is enclosed below:

Click here to download debit card guidelines

Schedule Of Charges
Card Fee

Entrance Fee Non photo : Free (no charges)
Photocard : Rs.100/-
 
Annual Usage Fee (From the second year onwards) w e f 1St July 2013 onwards Rs 95/-
Hotlisting of the card Rs.50/-
Card replacement Rs.100/-
PIN regeneration Rs.25/- per request
Cancellation charges (Applicable if cancelled in the first card year) Rs.100/-

Transaction charges

As per RBI, t he number of free transactions permitted at other bank's ATMs per month is restricted to 5 transactions for Savings Bank account holders from July 1, 2011. It includes both financial & non financial transactions . This means that the first 5 transactions at other bank ATMs (including both financial & non financial) will be free. Transaction from the sixth one will be charged @ Rs 20/- plus S.T for cash withdrawal and Rs 8/- for non financial transaction (Balance enquiry/Mini statement).
Vijaya Bank’s ATM : Cash withdrawal & non financial transaction
(viz. balance Enquiry/mini statement/ PIN change)
Free (no charges) 
  At Other Bank's ATMs in India
-Financial Transactions** Rs.20/- per Transaction
- Non Financial Transactions : Rs.8/- per Transaction
  **For Savings Bank account holders, 5 free transactions (both financial & non financial) per month is allowed in other banks ATMs

At Other Banks VISA ATMs abroad
Financial Transactions : Rs.125/- per transaction
Non Financial Transactions : Rs.25/- per enquiry

Other Charges

Surcharge 2.50% or Rs.10/- whichever is higher on transactions at Railways/Petrol Pumps
Charges for request for copy of chargeslip 
i) for transactions at our merchants Rs 100/-
ii) for transactions at other banks merchants Actuals with a minimum of Rs.100/-

Please contact 24 X 7 Customer Care Centre at

  Visa international Debit Card 
  FAQ
   
 
 
 

Note: In addition to above, service tax, if applicable at applicable rates will also be charged. Fees/charges/limits indicated here are as prevalent currently and are subject to revision by the bank from time to time.
For debit card usage abroad, a mark up of 2.5% over and above the transaction amount is loaded to take care of the currency fluctuation.

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