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  • Central Bank of India Credit Cards is Rated as "Excellent!" by 21 Users

    Fees & Charges

    Promised Interest Rate

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    Central Bank of India Credit Cards

    Central Bank of India was set up by Sir Sorabji Pochkhanawala in 1911 with Sir Pherozeshah Mehta as its first Chairman. At the time it was said to be the first commercial bank that was owned and managed by Indians. The bank is noted for being a major influence in the creation of the first Indian exchange bank, which opened in London in 1936.. It was nationalized along with 13 other banks in the country in 1969 and that brought about another major turnaround for the bank.

    Today, this Government-owned bank is considered to be one of the oldest and largest commercial banks in the country. According to recent reports, the bank has more than 4099 branches and more than 269 extension centres in different states and Union territories of the country. The bank has further expansion plans in place as it aims to open overseas branches in places like Dubai, Doha, London and more. Over the years its business had swelled to more than Rs. 2,097572 million and things have consistently been on an upward swing for the bank that has built trust amongst its consumers.

    One of the major goals of the bank is to offer complete customer satisfaction. And it does that by strong service ethics and emphasis on products that are suited to users’ needs. Central Bank of India Credit Card is one such offering the bank has brought out for the benefit of its customers. If you have been looking for the best credit card offer to ensure that you can buy what you want or pay for travel expenses etc sooner rather than later then this card might be the right option for you.

    Central Bank of India Credit Card is available to you in different forms and they have been created in a way that they can look after your specific needs. Some of the popular cards from the bank include

    Central Bank of India Credit Card FAQs

    1. Do I have the balance transfer option?

      Yes, you can transfer your balance from the other card to Visa Gold or Visa Platinum credit cards from the bank.

    2. What is the interest free credit period?

      The interest free credit period is between 20 and 50 days.

    3. What is the cash advance limit?

      You can get up to 80% of your credit limit through cash withdrawals.

    4. Can I get an add-on card?

      Yes, you have the option of getting add-on cards for your spouse, children, parents and siblings over the age of 18 to take care of their financial needs.

    5. Can I get mobile alerts for my transactions?

      Yes, you can get information regarding your credit card status as text messages on your mobile phones.

    6. How to check the status of my application?

      You can check the status of your application with the concerned bank by providing them with your application number.

    7. Do I need to provide my PAN card number or can I provide it later?

      Yes, you will be requested to provide your PAN Card number.

    Central Bank of India Credit Card Eligibility & Documentation

    Eligibility

    • Card holder should be in the age bracket of 18 years to 70 years.
    • Should have a fixed monthly income.
    • Should have a good CIBIL credit score.

    Documentation

    • PAN card
    • Any one Id proof from; passport number, voter ID, license, PAN Card, UID Aadhar Number.
    Central Bank of India Credit Card Details
    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
    thereof
    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
    charges
    Rs.150/- for every
    cheque
    Rs.150/- for every
    Cheque
    Rs.150/- for every
    cheque
      -Duplicate
    Statements
    Rs.100/- per
    request
    Rs.100/- per request Rs.100/- per request

    *Note: All rates are subject to change, therefore, the customer has to keep on checking the rates from time to time.

    Central Bank of India Credit Cards Reviews

    • Central Bank of India Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a credit card with the Central Bank of India. It is a Rupay card. The card is good but they do not have any exceptional offers worth commending. They need to come up with offers for their customer. This is just like any other card that you can find in the market.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2018
    • Central Bank of India Credit Card
      "Need to work on the offers and limit"
      0.5 2.0/5 "Expected more"
      Central Bank of India needs to improve on the credit card services as well. They have offered me a card and I a not happy with the offers and the credit limit. There are a lot of points that I earn on the transactions but the value of the points is not much. I get petite items on redemption like perfumes to name a few.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 26, 2018
    • Central Bank of India Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have Central bank credit card and my credit card get approved within 15 days from the date of applied. I feel annual charges are normal and also I am not happy with my credit limit because I expecting more so I want them to increase my credit limit immediately. I submitted my documents to the bank executive. I used to get message and email for my every month bill amount,
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 23, 2018
    • Central Bank of India Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I do hold a credit card of the Central bank of India. Response is good one with them and the credit limit value is around Forty thousand Rupees . Further I am really okay with that. Everything is a fine one for me with the Central bank of India credit card services.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 12, 2018
    • Central Bank of India Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      It was a good customer service from the central bank of India as i am using the credit card from past 8 to 8 months .the bill payment option is really good i pay via online payment . the bank provided me credit limit of 80K and also gave me option of cash withdraw also on the credit limit for some limit .i get reward points on using the card .
      Was this review helpful? 4
      , pune
      Reviewed on Nov 30, 2017
    • Central Bank of India Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Central Bank of India credit card from last 4 years, the credit card services provided by CBI is good when compared to other credit cards. I get good offers like cash back and reward points, They did not charge any annual fees at the time of getting this credit card. I use this credit card for shopping and filling fuel. I am also fine with the credit limit
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 10, 2017
    • Central Bank of India Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      I am using CBI credit card from last 1.5 years, CBI provides average services on credit cards. They did not charge any annual fees at the time of using this credit card. The credit limit is very less when compared to other credit card and i use this card for shopping purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 04, 2017
    • Central Bank of India Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have saving account with Central bank of India, hence I already deposited Rs. 1 lakh rupees in my account. Based on that, Bank have provided credit card with the limit of Rs. 80,000. I am pretty happy with that, I was accumulated 1300 reward points.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 31, 2017
    • Central Bank of India Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I use master credit card with Central bank. I am happy with the card as I don't get offers on it. I get reward points when I swipe the card. There is no annual fee,Its life time free card.Credit limit also is good 25k The services and response has also been good.
      Was this review helpful? 2
      , vijayawada
      Reviewed on Feb 13, 2017
    • Central Bank of India Credit Card
      "Best Credit Card"
      0.5 5.0/5 "Blown Away!"
      I have availed credit card from Central Bank of India and its dealing is very fair. Since last 5 years I have no complaint about any wrong charges. Plus there is no issuance / annual fees. I feel its security system is customer friendly and also much secure.
      Was this review helpful? 2
      , shimla
      Reviewed on Aug 13, 2016
    • Central Bank of India Credit Card
      "Average service "
      0.5 3.0/5 "Satisfactory"
      Central bank of India, is one of the biggest public sector bank and I feel that there is a lot of drawback when it comes to their service They dont have much formalities applied and they are liberal to the customers.The securities offered in the card was also not upto the mark with central bank of India.
      Was this review helpful? 0
      , pattukkottai
      Reviewed on Jun 03, 2016
    • Central Bank of India Credit Card
      "PARMOD CHOTALA "
      0.5 4.0/5 "Great!"
      The central bank is very good in the service provided.They are the nearest branch available which is good.They have applied a nominal limit in the card.The response provided was good with Central bank.I will recommend the service to others for getting a card.
      Was this review helpful? 1
      , ludhiana
      Reviewed on Feb 29, 2016
    • Central Bank of India Credit Card
      "Privledge offers and good service "
      0.5 4.0/5 "Great!"
      The service provided was quite good based on the credit card service.Its linked with the salary account so I have some privilege offers provided in the card.They have waived off the annual charges in the card.I do have a platinum card with Central bank.
      Was this review helpful? 3
      , bangalore
      Reviewed on Feb 06, 2016
    • Central Bank of India Credit Card
      "Good to use..."
      0.5 5.0/5 "Blown Away!"
      Gold credit card is better to use. I am not getting any offers from the Central Bank of India. Credit limit is satisfactory. Annual charge is nothing for my card. Billing cycle is comfortable. As soon as possible the Central Bank of India is resolving our issues.
      Was this review helpful? 2
      , kolkata
      Reviewed on Dec 14, 2015
    • Central Bank of India Credit Card
      "Very Nice Card!!"
      0.5 4.0/5 "Great!"
      I had a relationship with the journal officer of Central Bank of India so I was provided a good service by Central Bank of India. I use my Masterio credit card from last 4 years , it is sufficient enough with the limit. I get good reward points. I used to get discount for my online shoppings etc. One dis advantage is Emi option is not available in this credit card. It would be better if they provide Emi option so that it will be helpful. Other wise it a free card.
      Was this review helpful? 2
      , mysore
      Reviewed on Nov 25, 2015
    • Central Bank of India Credit Card
      "EMI option need to be introduced..."
      0.5 3.0/5 "Satisfactory"
      Special features on my visa card, interest rate is very less if I pay the payment late. If I am a defaulter no charge is applied but big drawback in Central Bank of India is that no emi option in this card. Very happy with the offers. Perhaps, the annual charge is 200 to 500. The bank can very well introduce the emi options.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 04, 2015
    • Central Bank of India Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      I using the central bank of India titanium credit card. They have given 55 days free credit period. Reward points are given like for each Rs.100 they give one point. Life time free credit card is been offered. We can avail loan against the card and emi facility.
      Was this review helpful? 0
      , sagar
      Reviewed on Oct 27, 2015
    • Central Bank of India Credit Card
      "Satisfied with Visa Credit Card "
      0.5 4.5/5 "Excellent!"
      I have a Cent card taken from the central bank of India. I normally use this card for purchasing, marketing and for paying bills etc. From last one year the reward points are accumulated and I dint redeem it still. I am happy with this credit card. Service is good, it is a life time free card. I suggest the bank to increase the credit limit and cash limit.
      Was this review helpful? 3
      , mumbai
      Reviewed on Jul 13, 2015
    • Central Bank of India Credit Card
      "Excellent!!!"
      0.5 5.0/5 "Blown Away!"
      I have a Cent card taken from the central bank of India. I normally use this card for purchasing, marketing and for paying bills etc. From last one year the reward points are accumulated and I dint redeem it still. I am happy with this credit card. Service is good, it is a life time free card. I suggest the bank to increase the credit limit and cash limit.
      Was this review helpful? 1
      , nagpur
      Reviewed on Jul 09, 2015
    • Central Bank of India Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Central bank of India credit card is really good. They provide 50 days grace days this includes service tax as well. They provide discounts on shopping and they dont charge any additional cost if the amount is paid within 50 days. . They cash back on railway ticket booking . Mine is a master card and its free of cost.
      Was this review helpful? 13
      , madurai
      Reviewed on May 09, 2015
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