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

Vijaya Bank Rupay Platinum Debit Cards Overview

RUPAY Platinum Debit Card is a Personalized Chip based Debit Card with enhanced security features. It is valid only for Domestic Usage only. 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 Rupay Platinum Debit Cards Features

• RUPAY Platinum debit Cards are open to all schemes eligible for Debit Cards
• RUPAY Platinum debit cards are issued by the Bank in association with National Payments Corporation of India (NPCI)
• RUPAY Platinum Debit Card is a Personalized Chip based Debit Card with enhanced security features
• RUPAY Platinum Debit Card is valid only for Domestic Usage
• RUPAY Platinum Debit Card is valid for 5 years from the date of issuance
• RUPAY Platinum Debit cards comes with higher transaction limits
• ATM Cash Withdrawal limit: Rs. 50,000 per day
• POS/E-Commerce limit: Rs. 1,00,000 per day

Vijaya Bank Rupay 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 Rupay 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 Rupay Platinum Debit Cards Benefits

• Activation Offer: Buy One Get One Cappuccino Free at CCD Outlets
• Airport Lounge Access: Customer visits any listed lounge, swipes his valid RuPay Platinum Debit card for authorization, upon approval is granted access to the airport lounge. Offer is valid for 2 lounge accesses every calendar quarter. Authorization charge is Rs.2 for each access.
• Concierge Service : Customer can dial the 24x7 available toll free no. for free Concierge Service for Gift Delivery Assistance, Flower Delivery Assistance, Restaurant Referral and Arrangement, Courier Service Assistance, etc.
• Personal Accident coverage: Personal Accident insurance (from death and permanent total disablement) of Rs.2 Lac coverage is available for RuPay Platinum Card holders
• Cash Back on Utility Bills: Card holder can use RuPay Platinum Debit card for payment of utility bills both online and at POS terminals and enjoy monthly cash back of 5% of total bill paid
• Cash Back on IRCTC: Card holder can use RuPay Platinum Debit Card for payment of train ticket booking through irctc.co.in portal and enjoy cash back benefit of flat Rs.25
• Zero Fuel Surcharge: Card holder can use RuPay Platinum Debit card for paying fuel refill transaction at gas stations or petrol pumps. Upto 1% cash back is granted for transaction amounts over Rs.300. Cash Back is capped at Rs.75 per card per month
• Accelerated Merchant Discount : Card holder can enjoy flat 15% discount for every transaction over Rs.300 at Cafe Coffee Day outlets

Vijaya Bank Rupay 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 Rupay 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.

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.