Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 Central Bank of India Aspire Credit Card
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    Central Bank of India Aspire Credit Card

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    Central Bank of India Aspire Credit Card

    Overview:

    The Central Bank of India Aspire Credit Card is issued to customers holding Cent Aspire Term Deposits. This 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.

    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.

    • 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.

    • 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.

    • Credit period:

      Central Bank of India Aspire Credit Card customers can get a maximum credit period of up to 55 days.

    • Cash Withdrawal:

      Customers can make instant cash withdrawals with their Central Bank of India Aspire Credit Cards according to applicable bank rates.

    • 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.

    • Offers:

      Central Bank of India Aspire Credit Card users can get premium dining, movie, travel and lifestyle offers from Visa.

    Eligibility:

    • 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.
    • The Cent Aspire Deposit Accounts that are opened come with an auto-renewal option and are under lien.
    • KYC compliance is mandatory for applicants and the income statements and the CIBIL verification is not a requirement.
    • Non-resident Indians (NRIs) are not eligible to open a Cent Aspire Deposit Scheme.

    Fees & Charges:

    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%

    Central Bank of India Aspire Credit Card FAQs:

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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. 

    Other Top Credit Cards By Central Bank of India

    Central Bank of India Aspire Credit Card Reviews

    • 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? 0
      , 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? 0
      , 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? 1
      , 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
    • Central Bank of India Credit Card
      "Excellent Services"
      0.5 5.0/5 "Blown Away!"
      The Titanium credit card which I have from Central bank is really good. The limit they provided was Rs.25000. The auto debit facility is really good that there are no late payment charges levied. There is no annual fees as well. There is an offer of rewards points as other credit card. The repayment time given is also good.
      Was this review helpful? 30
      , chennai
      Reviewed on Dec 03, 2014
    • Central Bank of India Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I am using Central Bank of India Credit card for last six months the service are very nice EMI options reward points are good and on-line banking is also very nice cash back facility and balance transfer facility is also good available and its a master credit card.
      Was this review helpful? 23
      , kanchipuram
      Reviewed on Jul 18, 2014
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