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Central Bank of India Aspire Credit Card

The Central Bank of India Aspire Credit Card is issued to customers holding Cent Aspire Term Deposits. This Central Bank of India credit card can procured against the deposit held. The Aspire credit card can be used for international and domestic transactions at any merchant outlet across the world. Offering the best lifestyle, dining, entertainment and travel privileges, the Central Bank of India Aspire Credit Card is a must-have card for every globetrotter.

The credit limit for a Central Bank of India Aspire Credit Card is generally offered based on the amount deposited by the customer, while opening the Cent Aspire Term deposit. As a Visa credit card, customers can enjoy unparalleled benefits from Visa International.

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    Central Bank Of India Aspire Credit Card

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    Features and Benefits of a Central Bank of India Aspire Card

    The following are the main features available with a Central Bank of India Aspire Credit Card.

    1. Secure Transactions:The Central Bank of India Aspire Credit Card carries an embedded EMV chip and is a Visa Platinum card. As this is a chip based card, customers can make secure purchase transactions.
    2. Credit Limit:The maximum credit limit offered for the Central Bank of India Aspire Credit Card is up to 80% of the Cent Aspire Term Deposit amount. The maximum credit limit amount is up to Rs. 4,00,000, with the minimum being Rs. 16,000.
    3. Credit period:Central Bank of India Aspire Credit Card customers can get a maximum credit period of up to 55 days.
    4. Cash Withdrawal:Customers can make instant cash withdrawals with their Central Bank of India Aspire Credit Cards according to applicable bank rates.
    5. Insurance:Central Bank of India Aspire Credit Card customers can get a personal accident cover for up to Rs. 1, 00,000, which is issued under the Group insurance scheme.
    6. Offers:Central Bank of India Aspire Credit Card users can get premium dining, movie, travel and lifestyle offers from Visa.

    Fees & Charges

    Type of Charge

    Amount

    Annual Fee

    Rs.500

    (The annual fees will be waived off if the spend on the card is more than Rs. 3 lakhs)

    Issuance Fee

    NIL

    Add-on Card Fees

    NIL

    Finance Charges

    1.20% per month

    Card replacement Fees

    Rs.100

    Renewal Fees

    Rs.100

    Emergency card replacement charges (abroad)

    Rs. 150 / card

    De-blocking charges

    Rs. 100 / instance

    Over limit charges

    2% of the credit limit / A minimum of Rs.100.

    Late Payment Fee

    A minimum of Rs. 100 and up to a maximum of Rs. 10,000, 1% of outstanding amount after that.

    Charge slip Retrieval Charges

    Rs. 100

    Cheque Return Charges

    Rs. 150

    Railway Ticket Purchase/Cancellation Fee

    2.5% plus Rs.30

    Duplicate statement

    Rs. 100 / request

    Foreign currency transactions

    Conversion mark- up fee of 3.5%

    If outstanding is more than Rs. 10,000, then 1% of the amount is charged.

    Cash withdrawal

    Rs 100 plus service charges

    Fuel Transaction Charge

    2.5%

    Eligibility

    1. Applicants have to be Indian residents and should be over the age of 18. They are required to open a Cent Aspire Deposit Account with Central Bank of India. An account should be opened with a minimum deposit of Rs. 20,000 and can then be incremented in multiples of Rs. 1000. Central Bank of India does not impose any upper limit for the deposit amount.
    2. The Cent Aspire Deposit Accounts that are opened come with an auto-renewal option and are under lien.
    3. KYC compliance is mandatory for applicants and the income statements and the CIBIL verification is not a requirement.
    4. Non-resident Indians (NRIs) are not eligible to open a Cent Aspire Deposit Scheme.
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    FAQs on Central Bank of India Aspire Credit Card

    • Is it mandatory to hold a Cent Aspire Deposit to avail a Central Bank of India Aspire Credit Card?

      Yes, a Cent Aspire Deposit account should be compulsorily opened to procure a Central Bank of India Aspire Credit Card.

    • Can customers get their e-statements for their Central Bank of India Aspire Credit Cards online?

      Yes, Central Bank of India Aspire Credit Card users can easily download their statements from the Central Bank of India website, by logging into their card accounts.

    • Does the interest free credit period also extend to cash withdrawal transactions?

      No, the interest free credit period does not apply to ATM cash withdrawal transactions.

    • Is there any service charge applied on the unpaid amount in a credit card account?

      Yes, a service charge of 1.2% per month will be applicable on the unpaid amount, after the minimum amount has been paid.

    • What are the charges levied for an auto-debit or ECS return?

      Central Bank of India imposes a fee of Rs. 150 for every auto-debit return occurring from a credit card user’s account.

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