Central Bank Of India Credit Card

Founded in 1911 by Sir Sorabji Pochkhanawala, with Sir Pherozeshah Mehta as its inaugural Chairman, Central Bank of India marked a historic moment as the first Indian-owned and managed commercial bank. Nationalized in 1969, it has since evolved into one of the country’s oldest and largest government-owned banks. Presently, boasting over 4,099 branches and 269 extension centers across various states and Union territories, the bank continues to play a significant role in the nation’s banking landscape.

Features and Benefits of Central Bank Of India Credit Card

The Central Bank of India Credit Card offers several features and benefits:

1. Boosted Security

  • Central Bank of India provides credit cards with embedded EMV Microchips, fortifying protection against card duplication and misuse.

2. Real-time Alerts

  • Stay in the loop with transaction updates, payment reminders, bill receipts, and monthly statements via email and SMS alerts.

3. Convenient Online Access

  • Manage your credit card account seamlessly with anytime, anywhere access through Central Bank of India’s online banking platform.

4. Round-the-Clock Customer Support

  • Experience peace of mind knowing that the 24/7 customer care service at Central Bank of India is ready to swiftly address any concerns you may have.

5. Rewarding Spends

  • Earn welcome points, bonus rewards, and accelerated points on select credit cards with Central Bank of India, making every spend more rewarding.

6. Cash on Demand

  • Access cash whenever needed using your Central Bank of India Credit Card, though cash transactions may incur fees and finance charges.

7. Family-Friendly Add-ons

  • Extend the benefits to your loved ones with supplementary cards. Central Bank of India allows you to obtain up to 5 cards for your spouse, parents, and children.

8. Exclusive Privileges

  • Enjoy additional perks such as complimentary Club Vistara Silver membership, lounge access, dining privileges, and more with Central Bank of India’s credit cards.

Central Bank Of India Credit Card Fees and Charges

Here are the fees and charges associated with the Central Bank of India Credit Card:

  1. Age eligibility: Individuals aged 21 to 65 can apply for the credit card.
  2. Income requirement: No specific income criteria are mandated for applicants.
  3. Employment: Both salaried and self-employed individuals are eligible to apply.
  4. Interest-free period: Enjoy a generous interest-free period of up to 55 days on transactions.
  5. ATM cash withdrawal charges: A nominal fee of INR 100 + ST is applicable for ATM cash withdrawals.

Central Bank Of India Credit Card Eligibility Criteria

Here are essential criteria for applying for an Central Bank of India Credit Card:

  1. To qualify for the credit card, the applicant must be at least 18 years old.
  2. A consistent monthly income is a prerequisite for eligibility.
  3. A positive CIBIL credit score is essential for approval, reflecting the applicant’s creditworthiness.

Documents Required for Central Bank Of India Credit Card

To apply for the Central Bank of India Credit Card, you must provide the following documents:

  1. Address proof options include Passport, Driving Licence, Voters ID, etc.
  2. Identity proof can be provided through documents like Bank Statement, Voter ID, Driving Licence, Pension Book, etc.
  3. Income proof, a crucial requirement, can be submitted in the form of Bank Statement, Pay Slip, or Income Tax return.
  4. A Pan Card is mandatory for the credit card application process.
  5. Don’t forget to include a passport-size photo along with your application for a smooth processing experience.

How To Apply for Central Bank Of India Credit Card

To apply for the Central Bank of India Credit Card, follow these steps:

  1. Begin by visiting the official website of Central Bank of India.
  2. Navigate to the ‘Credit Cards’ section to explore available options.
  3. Choose the credit card that suits your needs and eligibility.
  4. Click on the ‘Apply Now’ or ‘Online Application’ link.
  5. Fill in the required personal and financial information accurately.
  6. Upload necessary documents such as address proof, identity proof, income proof, Pan Card, and a passport-size photo.
  7. Review the application to ensure all details are correct.
  8. Submit the application electronically through the provided platform.
  9. After submission, you may receive an application reference number for tracking.
  10. The bank will then process your application, and upon approval, you will be notified about the status and further steps.

List of Central Bank Of India Credit Card

Here are some of the credit cards offered by Central Bank of India Credit Card:

  1. Visa Platinum Credit Card
  2. Visa Aspire Credit Card
  3. MasterCard World Credit Card
  4. RuPay Platinum Credit Card
  5. Titanium Credit Card