Central Bank of India Credit Card: All you need to know

Founded by Sir Sorabji Pochkhanawala back in the year 1911, Central Bank of India has a chequered history of its own with its first Chairman being Sir Pherozeshah Mehta. It was initially perceived as the very first commercial bank that was operated under Indian ownership back in those days. The bank has 4, 099 branches and 269 extension centres in India. There are several Central Bank of India credit cards that are available for customers. You can easily apply to get a Central Bank credit card taking your pick from the options available.

Types of Cards

When it comes to getting a credit card central bank of India, you would do well to take your pick from the list of options available. Here are some of the choices that you can look at when you select the central bank credit card apply online option:

  1. Titanium Card
  2. Visa Platinum Credit Card
  3. Visa Gold Credit Card
  4. IDA Co-Branded Credit Card
  5. World Credit Card
  6. Aspire Credit Card
  7. Big Cinemas Credit Card

The central bank credit card payments are easy and convenient and every card comes with its own set of benefits and privileges for customers.

Important things to keep in mind

  1. You can choose a balance transfer from a credit card of another bank to the Visa Platinum or Visa Gold credit card from Central Bank of India.
  2. The interest free period ranges between 20-50 days.
  3. You can get add-on cards for your children, spouse, siblings and parents and share your credit with them.
  4. You can get mobile alerts in the form of text messages on transactions and other information relating to the credit card status.
  5. When you have completed the central bank credit card applying process, you can check your application status by providing the application number to the bank.
  6. You will have to offer your PAN Card number to get the Central Bank of India credit card.
  7. Rates are subject to changes and you should keep monitoring the same from time to time.


Eligibility Guidelines

  1. Customer should be between 18-70 years of age.
  2. There should be a fixed monthly income of the applicant.
  3. The applicant should have a good CIBIL score.

Documentation Requirements

You will have to provide the following documents:

  • PAN Card
  • Identity Proof- Passport/Driving License/Voter ID Card/UID Aadhar/PAN Card

Charges & Interest


Sr. No Charges for Central Credit Cards Visa Platinum Credit Card Visa Gold Credit Card All other Visa & Master Credit Cards
1 Entrance Fees Nil Nil Nil
2 Annual Fees Rs.4000/- Nil Nil
3 Add-on card Rs.2000/- Nil Nil
4 Service charges on outstanding balances 2.99% per month or part thereof 2.75% per month or part thereof 2.5 per month or part thereof
5 Cash withdrawal fee Rs.100/- Rs.100/- Rs.100/-
6 Hot listing charges Nil Nil Nil
7 Other Charges :-      
  – Balance Transfer 2.25% service
charges per
month or part
1.99% service charges per
month or part thereof
No facility available
  -Late Payment Fee Rs.100/- p.m. Rs.100/- p.m. Rs.100/- p.m.
  -Cheque Bouncing 
Rs.150/- for every 
Rs.150/- for every
Rs.150/- for every
Rs.100/- per
Rs.100/- per request Rs.100/- per request