Central Bank of India Credit Card

Central Bank of India offers credit cards which come with VISA, MasterCard & Rupay supported networks. You can compare Central Bank credit cards features, benefits, rewards & cashbacks that you can earn on online shopping, travel, fuel, dining etc to make an informed decision. Check the best Central Bank credit cards below and their benefits before you apply.

On Central bank of India website

CBI Credit Card
Features and Benefits
Types of Credit Card
Fee and Charges
Detailed Features
Reward Points
Eligibility Criteria
Documents Required
How to Apply
Bill Payment
Customer Care Numbers

Central Bank of India Credit Card

It has a wide network of 4659 branches spread over 29 states across the country. The Bank is dealing with various personal, corporate and retail banking services and products.

CentralCard, the first credit card of the Bank was introduced in the year 1980. The credit cards of Central Bank of India are popular owing to the minimal fees and interest and the numerous features and benefits associated with the cards.

Features and Benefits of Central Bank of India Credit Card

The following are the features and benefits of Central Bank of India Credit Card

Utility Bills can be paid with the Credit Cards.
The Visa cards are secured for online transactions by Visa Secure Code. A One Time Password will be generated and sent to your registered mobile for every online transaction to ensure high- security level. For securing the card usage with Visa Secure Code you will have to register the card for 3D Secure.
An interest-free period of 55 days is available for the purchases made on the card.
A facility to deliver e-statement to the registered email is available.
Auto-debit facility for payment of card dues is available.
Add-on card facility for your family members is available.
Exclusive offers from popular brands are available for all the categories of the card.
Reward points for every usage of the card are available.
Real-time updates of card usage are available through SMS to your registered mobile number.
Missed call services available to get information about the last 5 transactions, amount due for payment, the due date for payment, and unbilled transactions.
Cash can be withdrawn from any ATM across the world up to the limit permitted.
Option available for conversion of purchases online into EMI with select merchant establishments who have a tie-up with the Bank.

Types of Central Bank of India Credit Card

The following are the three categories of Central Bank of India Credit Card

Visa Card
Mastercard
Rupay Card

There are two variants under Visa Card

Visa Platinum Credit Card
Aspire Credit Card.

There are two variants under Master Card

Titanium Credit Card
World Credit Card

There are two variants under RuPay Card

Rupay Platinum Credit Card
Rupay Select Credit Card

Central Bank of India Credit Card Fee and Charges

The details of fees charged for Central Bank of India Credit card are as given below:

Name of the Card	Joining Fee	Annual Fee
Visa Platinum Credit Card	Nil	100/-
Aspire Credit Card	Nil	100/-
Titanium Credit Card	Nil	100/-
World Credit Card	500/-	500/-
Rupay Platinum Credit Card	Nil	Nil
Rupay Select Credit Card	500/-	500/-

Central Bank of India Credit Card Charges Details

The charges for Central Bank of India Credit Card is as mentioned below:

Name of the charge

Amount

Finance Charge

1.5% p.m. to 3.5% p.m.depending on the card.

Cash withdrawal charges

100.00 per withdrawal and 1.5% to 3.5% on transaction amount from the date of withdrawal to the date of repayment depending on the card.

Bounce charges

150/- per instance

Delayed payment charges

100/-for all other cards and 350/- for World Credit Card

Delayed payment charges for Rupay Select Credit Card

Outstanding amount	Charges
Less than 100	Nil
101 to 500	100
501 to 10000	350
10001 to 20000	500
Above 20000	650

Card cancellation charges

100/-

Foreign Currency Mark-up fee

3.5% of the transaction

Railway ticket surcharge

30/- plus 2.5% of the transaction when booked at railway counters.

If booked online 1.8% of the transaction amount

Fuel Surcharge

2.5%

Emergency Card Replacement Charges

150/-

Charges for the usage of the card over and above the sanctioned limit

2% on the overdrawn amount with a minimum of 100/-

Detailed Features of Central Bank of India Credit Card

The following are the detailed features of Central Bank of India Credit Card

Name of the Card	Features
Visa Platinum Credit Card	The card can be used anywhere across the globe. The card has added security for the online transaction by way of Visa Security code. An OTP will be generated for every online transaction and sent to the registered mobile number to make the card secure further for online transactions. Real-time updates of transactions on the card will be given vide SMS to the registered mobile number. A facility for the generation of e-statement which is delivered to the registered email id is available. Add-on card facility for family members is available. Customer care service is available round-the-clock. An interest-free credit up to 55 days is available.
Aspire Credit Card	The card has added security for the online transaction by way of Visa Security code. An OTP will be generated for every online transaction and sent to the registered mobile number to make the card secure further for online transactions. Real-time updates of transactions on the card will be given vide SMS to the registered mobile number. The card can be used anywhere across the globe. Personal Accident Insurance cover of 1.00 lakh under Group Insurance on death due to an accident is available. A facility for the generation of e-statement which is delivered to the registered email id is available. Add-on card facility for family members is available. Customer care service is available round-the-clock. An interest-free credit up to 55 days is available.
Titanium Credit Card	The card can be used anywhere across the globe. The card has added security for the online transaction by way of Visa Security code. An OTP will be generated for every online transaction and sent to the registered mobile number to make the card secure further for online transactions. Real-time updates of transactions on the card will be given vide SMS to the registered mobile number. A facility for the generation of e-statement which is delivered to the registered email id is available. Add-on card facility for family members is available. Customer care service is available round-the-clock. An interest-free credit up to 55 days is available. Complimentary lounge access at select airports in India is available
World Credit Card	A facility for the generation of e-statement which is delivered to the registered email id is available. Add-on card facility for family members is available. The card has added security for the online transaction by way of Visa Security code. An OTP will be generated for every online transaction and sent to the registered mobile number to make the card secure further for online transactions. Waiver of the fuel surcharge is available for transactions at all petrol pumps across the country for transaction between 400/- to 4000/- The card can be used anywhere across the globe Customer care service is available round-the-clock. An interest-free credit up to 55 days is available. Insurance cover up to 1.00 lakh on lost card liability per day from the date of reporting the loss of the card is available. Insurance cover up to 10.00 lakhs for an air accident.
Rupay Platinum Credit Card	All POS terminals and e-commerce merchants enabled for Rupay will accept the card in India. The card is accepted at Micro and NFS ATMs The international Rupay Card is accepted at 39.3 million merchant establishments which are ICS enable points and at 1.88 million ATMs spread across 185 countries Personal Accident cover up to 2.00 lakhs for death or permanent disability due to an accident. 5% cashback on payment of utility bills using the card with a maximum of 50/- 24x7 concierge service for all bookings is available.
Rupay Select Credit Card	All POS terminals and e-commerce merchants enabled for Rupay will accept the card in India. The card is accepted at Micro and NFS ATMs The international Rupay Card is accepted at 39.3 million merchant establishments which are ICS enable points and at 1.88 million ATMs spread across 185 countries Personal Accident cover up to 0.00 lakhs for death or permanent disability due to an accident. 5% cashback on payment of utility bills using the card with a maximum of 50/- 24x7 concierge service for all bookings is available. 2 free lounge access per quarter at 30 plus airport lounges across 11 cities in the country 4 free lounge access per quarter at 500 plus international airports across 300 plus cities worldwide.

Central Bank of India Credit Card Rewards Details

The details of the rewards of Central Bank of India Credit Card are as given in the table below

Name of the Card	Rewards
Visa Platinum Credit Card	1 reward point for every 100/- spent for all purchases
Aspire Credit Card	1 Anmol Reward point for every 100/- spent on the card
Titanium Credit Card	1 reward point for every 100/- spent on the card
World Credit Card	Air ticket voucher up to 1200/- as a welcome gift. 3 reward points for every 100/- on domestic spends. 4 reward points for every 100/- on international spends.
Rupay Premium Credit Card	1 reward point for every 100/- spent on the card
Rupay Select Credit Card	3 reward points for every 100/- spent on the card

There are various exclusive offers on Visa Cards, Mastercards and Rupay Cards. Some of them are as listed in the table below:

Name of the Card	Offers
Visa Card	Shopping offers A discount of 500/- for purchase above 3000/- at Croma stores across the country. For shopping at designated Wills Lifestyle stores in India you get a discount of 500. Get a discount of 20% on gold making charges and a discount of 3000/- for purchase of diamond jewellery worth 50,000/- at exclusive Joyalukkas Outlets. Avail up to 60% discount on the Bicester Village Shopping Collection of world best lifestyle brands. Enjoy the privilege of private sale and late- night shopping at Florentia Village, China 10% discount on medicines except for DPCO by presenting coupon code VISA5075 at Apollo Pharmacy 5% discount on FMCG products by presenting coupon code VISAFMCG at Apollo Pharmacy 15% discount on Apollo Pharmacy products by presenting the coupon codeVISAAP Discount up to 1000/- for an annual membership at Golds Gym Avail 3 days free trial and 30% discount on the gym membership at Talwarkars Complimentary access to airport lounges. Enjoy a complimentary welcome drink and priority restaurant booking at Umame. Restaurant bookings should be made through Visa Concierge. Enjoy a complimentary welcome drink and priority restaurant booking at Square Pan. Get a 10% discount on the total bill at Baskin Robins. The minimum billing amount is 350/- to avail the offer. 20% discount on any service availed at IOSIS Spa. Holiday Inn Golden Mile Hongkong offers a range of discounts on dining with Visa Card. Enjoy a complimentary welcome drink at Baths Middle Brighton, Melbourne, Australia. Enjoy a complimentary dessert at the Grain Store, Melbourne. Enjoy a complimentary welcome drink at Hinokizaka Japan 20% off on bookings at St.James Hotel and Club Mayfair. Enjoy 25% off for stays at Sala Phuket Mai Khao Beach Resort. 50% discount on Tariff rates on Signature Suites at Hotel Madera, Hollywood and Hotel Madera, Hongkong. 15% discount on Johnson Group Home and Green Pest Management Enjoy one tailor- made dish at Nikushou, Hongkong. Enjoy a special set of menu at Yon Toh Heen, Hongkong. Complimentary non-alcoholic cocktail at Jade Dragon, Hongkong One complimentary bottle of house wine at Niu by Vikings, Phillipines.
RuPay Card	Offers on online food orders Use code NEWRUPAY and avail a discount up to 100/- for first 5 orders at Swiggy. Use code RUPAY and avail a cashback of 100/- at Grofers for a minimum transaction of 1000/- Use code RUPAY and avail a discount of 100/- for an order worth 275/- at Foodpanda. 15% discount on all services at Kaya Clinic. Use code RUPAY50 and avail a discount of 50% up to 125/- at Fasoos. 15% discount for a minimum transaction of 300/- at Pizorama. Travel Offers Flat 10% discount up to 7500/- on international flight booking to UK, Europe, and South East Asia at MakeMyTrip. The minimum transaction to avail this offer is RS. 10,000/-. Flat 50% discount up to 300/- for bookings at Abhibus. A discount of 6% up to 4000/- for a minimum booking of 25000/- for international flights at Yatra. 7% discount up to 1500/- for a minimum transaction of 2000/- for domestic flights at Yatra 25% discount up to 2000/- for minimum transaction of 2000/- for domestic hotel bookings at Yatra 15% discount up to 125/- for bus ticket bookings at Yatra Use code RUPAY and avail 20% discount on flight and hotel bookings at Cleartrip. 6000/- discount on international holiday packages and 5000/- discount on domestic holiday packages at Thomascook Dining offers 50% of on dessert for two at Coppuro Restaurant, Sanfranisco. Exclusive offers at Upper House STN, Hongkong. Exclusive offers at US Grant, Santiego. 50% cashback with a maximum of 10,000/- for a successful POS transaction at any restaurant at the United Kingdom. 15% discount on food and beverages at Beerilicious Shopping offers A discount of RS. 300/- for a minimum purchase of 999/- at Myntra. 650/- discount for a minimum purchase of 1999/- at Firstcry. 5% discount and 10% cashback for a minimum purchase of 1000/- at Pepperfry. 20% cash back with a maximum of 2500/- on international Rupay Cards for any successful POS transactions at the United Kingdom except at restaurants
Mastercard	Shopping offers Avail up to 20% discount on the first order worth 1000/- at Big Basket. The maximum discount eligible is 200/- Avail 5% discount on FMCG products at Appollo Pharmacy. Wellness offers Avail 15% discount on medicines purchased at Apollo Pharmacy Avail 20% discount for services at O2 SPA. Dining Offers For an order of one large pizza get another one free at U.S. Pizza. Get a discount of 100/- for an order of 400/- at Swiggy Get 50% discount for the first order at Zomato. The maximum discount is 150/-

Eligibility Criteria for Central Bank of India Credit Card

The applicant has to fulfil the following eligibility criteria to qualify for the card.

The applicant should be in the age group between 18 years to 65 years
Both resident and non-resident Indians are eligible for the card.
Salaried individuals, self-employed individuals/professionals, and businessmen are eligible for the card.
The applicant should be a customer of the bank.
The credit score should be over 750.
The minimum income required for Visa Platinum Card and World Credit Card is 5.00 lakhs per annum.
For Visa Aspire Card, the applicant should have a Cent Aspire Fixed Deposit at any branch of the bank. The minimum Fixed Deposit Amount is 20,000/-. The credit limit allowed is 100% of the fixed deposit amount with a minimum of 20,000/- and a maximum of 10.00 lakhs.

Documents Required for Central Bank of India Credit Card

The following documents are required for Central Bank of India Credit Card.

Proof of ID: Photo ID proof like Aadhar Card, Voter?s ID card, Driving Licence, Passport, and Pan card. (Anyone should be submitted)
Address Proof: Address proof like Aadhar Card, Voter?s ID, Passport, Driving Licence, Utility Bills, etc (Anyone should be submitted).
Photograph: Coloured photograph of the applicant.
Income Proof: Income proof for salaried persons will be the latest salary slips and form 16. Income proof for other than salaried class will be financial documents like balance sheet and profit and loss account and IT Returns.

How to Apply for Central Bank of India Credit Card

Steps to apply for the Card Offline

To apply for the Central Bank of India Credit Card offline, you can download the application online and submit the same along with the required documents at the nearest Central Bank of India branch.

Steps to apply for the Credit Card through MyMoneyMantra

You should make use of the digital platform provided by MyMoneyMantra for applying for the card.

To begin with visit the MyMoneyMantra website.
Log in and choose the credit card menu. Select the card you intend to apply for and submit.
Fill in all the relevant information required for applying for the credit card.
The representatives of MyMoneyMantra will help you with the process following from documentation until the approval once you have completed the task of filling the application and the process is initiated.
On approval, the card will be dispatched to your address. Card and the pin will be despatched separately.

Why Apply for the Central Bank of India Credit Card through MyMoneyMantra?

Applying for the Central Bank of India Credit Card through MyMoneyMantra makes the whole task simple and hassle free for you. You need to get in touch with a single point of contact and the rest will be seamlessly handled by the MyMoneyMantra expert. You will be guided throught he process of application submission and documentation so that not only is it a faster process but also involves least trouble for you.

The experts also guide you across various other products and services from this bank or any other that you can use for better management of your personal finances.

Making Central Bank of India Credit Card Bill Payment

There are numerous payment options for the payment of Central Bank of India Credit Card Bill.

Internet Banking: Now you can make payment of Central Bank of India Credit Card online through CBI internet banking or CBI Debit Card. To begin with login and enter the Credit Card details, contact number and email address, and payment amount. Choose either net banking or debit card option. You will be directed to the chosen net banking facility. Enter authentication details like user ID and password. Confirm the payment amount and continue. Your account will be debited and you will get the transaction confirmation. Payment acknowledgment will be sent to your email ID.
NEFT/RTGS: You can make the card payment through NEFT/RTGS. You will have to provide the following details:
Name of the cardholder
16-digit card number in the place of the beneficiary.
The account number from which the payment has to be made
Name of the Bank to which payment has to be made.
IFSC Code of the Bank
Location of the Bank
Amount
Auto-debit: You can give instructions for auto-debit to your savings account/current account at the bank.
Mobile Banking: The payment for CBI credit card can be done from anywhere through Wifi or GPRS enabled handsets. You can also get information regarding billed and unbilled transactions, and payment due. You also have card blocking and unblocking facility.
Cash: The credit card payment can be made by depositing cash at any of the branches of Central Bank of India
Cheque: The payment can be made vide cheque. The 16-digit card number will be the payee?s name. The name of the cardholder and the registered mobile number has to be written on the reverse of the cheque. The cheque can be dropped at any of the CBI drop boxes in the city.

Central Bank of India Credit Card Customer Care Numbers

In case of any queries regarding Central Bank of India Credit Card you can contact the Credit Card Customer Care on the following numbers.

1800-222-368
022-66387737
022-66387743

Central bank of India Credit Card FAQs

What is the procedure to track the Central Bank of India Credit Card Application Status?

You can check the card application status both online and offline by giving the application reference number, mobile number or date of birth.

How to generate Central Bank of India Credit Card PIN if the PIN is forgotten?

You can generate the PIN by at any CBI ATM by opting for Green PIN generation option. On providing some of the personal details like date of birth and mobile number. OTP will be sent to your registered mobile number for verification. Thereafter you can reset your PIN as desired.

How is the credit limit set when the card is availed against Fixed Deposit?

When the card is availed against Fixed Deposit, the credit limit will be up to 100% of the fixed deposit amount with a minimum of 20,000/- and a maximum of 10.00 lakhs.

What is the interest-free period for Central Bank of India Credit Card dues?

The interest-free period is 55 days.

What is the redemption procedure for reward points on Central Bank of India Credit Card?

You can redeem the reward points by logging in to the website ccard.centralbankofindia.co.in and redeem the reward points for either vouchers of leading brands or any gift from the catalogue.

Is facility for conversion of purchases to EMI available on Central Bank Credit Cards?

Yes, a facility to convert purchases over 3000/- into EMI is available only for select merchant establishments who have a tie-up with Central Bank of India.

What is the missed call service provided by Central Bank of India?

To avail this service, you should send a missed call to 9223512345 from your registered mobile number to initiate the IVR call. On receiving a missed call, a return call will be sent to the same number. When the call is answered, an IVR will be played which will give instructions for the services required.

Press 1 for Amount Due
Press 2 for last 5 transactions
Press 3 for unbilled transactions.

Based on your requirement you can choose the option and you will get the information through SMS on your registered mobile number.