Central Bank Of India Credit Card

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Best Central Bank of India Credit Cards in India 2026

Credit Card	Annual Fee	Key Feature
Visa Platinum Credit Card	Nil	The card is secured for online usage with Verified by Visa Secure Code.
Visa Aspire Credit Card	Nil	Personal accident cover, against death, of Rs.1 Lakh.
Titanium Credit Card	Nil	Complimentary airport lounge access at select airports across India.
MasterCard World Credit Card	500	4 loyalty points per Rs.100 spent internationally
RuPay Platinum Credit Card	Nil	Concierge Services
RuPay Select Credit Card	500	4 free RuPay international lounge access per year

Central Bank of India Credit Cards – Features and Benefits

Central Bank of India Credit Card come with VISA, MasterCard, and Rupay supported networks. Below are the key highlights of these credit cards mentioned.

Please Note: Central Bank of India is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.

Visa Platinum Credit Card

Best Suited For: Beginners

Key Highlights of Visa Platinum

The card comes with Visa Secure Code feature. This means One Time Password (OTP) is generated for every online transaction adding a layer of security to your transactions.
Users get up to 55 days of interest-free credit card usage.
Add-on card facility is also available.
Customers get e-statement delivered to their registered e-mail id.
Auto-debit facility is provided to the user.
SMS alerts are sent to users’ registered mobile number for every transaction, statement generation, payment due, and periodic card offers.
Customer Care Services are provided to the customer 24x7.
1 loyalty point is earned per Rs.100 spent.

Visa Aspire Credit Card

Best Suited For: Reward Points

Key Highlights

This is a secured credit card and requires a Cent Aspire Fixed Deposit Account with the bank. The features associated with the card are:

Visa Secure Code feature lends additional security to your online transactions. It involves using a One Time Password (OTP) for every online transaction.
Credit card users get up to 55 days of interest-free usage.
Users can avail add-on card facility.
E-statement facility allows users to review their credit card statements.
Auto-debit facility is provided to the user which makes credit card bill payments efficient.
SMS alerts are given for every transaction, statement generation, payment due, and periodic card offers.
Customer Care Services are available 24x7.
1 loyalty point is earned per Rs.100 spent.
Personal accident cover, against death, worth Rs.1 Lakh under Group Insurance Scheme is also offered.

Titanium Credit Card

Best Suited For: Travel

Key Highlights

Visa Secure Code secures your online transactions. It uses a One Time Password (OTP) for every online transaction.
The users enjoy up to 55 days of interest-free usage.
Add-on card can be sought on this credit card.
E-statement facility allows users to review their credit card statements through email.
The auto-debit facility helps make credit card bill payments efficient.
SMS alerts are sent for every transaction, statement generation, payment due, and periodic card offers.
Customer Care Services can be availed 24x7.
1 loyalty point is earned per Rs.100 spent.
Complimentary Airport Lounge access at select Airports across India can be availed.

MasterCard World Credit Card

Best Suited For: Travel

Key Highlights

Airline ticket vouchers worth Rs.1,200 is given on card issuance.
Complimentary airport lounge access at select airports across India.
Domestic spends earn 3 loyalty points per Rs.100 spent while international spends earn 4 loyalty points per Rs.100 spent.
Lost Card insurance cover can be availed up to Rs.1 Lakh per day from the date of reporting. This is capped by the permissible limits set by the bank.
Air accident insurance cover of up to Rs.10 Lakh.
Petrol Surcharge is waived for all transactions between Rs.400 & Rs.4000.

RuPay Platinum Credit Card

Best Suited For: Travel

Key Highlights of RuPay Platinum

Users get a welcome offer of Rs.500 gift voucher from Croma.
15% discount can be availed at Apollo Pharmacy Store.
Rs.2 Lakh cover for death due to personal accident or for Permanent Total Disability.
5% cashback on payment of utility bills or dine outs capped at Rs.50 per month.
Concierge services available 24x7 for referral and reservation services – hotel, dining, Car Rental and Consultancy services.
1 Loyalty point can be earned for every Rs.100 spent.

RuPay Select Credit Card

Best Suited For: Travel

Key Highlights

Welcome offer of Rs. 500 gift voucher from Croma.
15% discount at Apollo Pharmacy Store.
Rs.10 Lakh cover for death due to personal accident or for Permanent Total Disability.
5% cashback on payment of utility bills or dine outs capped at Rs.50 per month.
Concierge services available 24x7 for referral and reservation services – hotel, dining, Car Rental and Consultancy services.
3 Loyalty points is offered for every Rs.100 spent.
2 complimentary domestic lounge visits per quarter in a year.
4 complimentary international lounge visits per year.

Click here for Central Bank of India RuPay Select Credit Card's detailed features and benefits.

Central Bank of India Credit Card – Fees and Charges

The fees and charges associated with different Central Bank of India credit cards are listed below:

Fee/Charge Type	Amount
ATM Transaction Charge	Rs.100 + interest of 2.99% p.m. till repayment
Mark-Up Fee (Foreign Transaction)	3.50%
Railway Ticket Surcharge	2.50% + Rs.30
Petrol Transaction Surcharge	2.50% for transactions between Rs.400 and Rs.4,000
Dishonour of Auto Debit	Rs.150 per instance
Late Payment Charges	Rs.100
Service Charge on Unpaid Beyond Due Date	2.99% p.m.
Replacement of Lost Card	Rs.100
Emergency Card Replacement Abroad	Rs.150
Exceeding Limit	2% with a minimum of Rs.100
De-Blocking Charge	Rs.100
Charge Slip Retrieval Charges	Rs.100 per charge slip
Cheque Return Charges	Rs.150 per instrument

Central Bank of India Credit Card – How to Apply

You can apply for Central Bank of India Credit Cards by visiting the nearest Central Bank of India branch. If you want, you can download the Central Bank of India Credit Cards application form online and submit it at the bank.

Do remember to bring the necessary documents and passport size photographs with you to the bank.

Central Bank of India Credit Card – Customer Care Number

The Toll Free customer care number for Central Bank of India is:

1800 22 1911

Click here to find more ways to reach Central Bank of India Customer Care Department.

Suggested Read: Central Bank of India Credit Card EMI

FAQs

Who can apply for Central Bank of India’s Credit Card?

Any Indian citizen who meets Central Bank of India credit card eligibility criteria for these credit cards can apply for them.

Do these Credit Cards come with EMV chips?

Yes, these Credit Cards come with EMV chips.

Can I use the credit card for online payments?

Yes, you can use these credit cards to make online purchases. OTP (One Time Password) is required to complete an online transaction ensuring security of your funds.