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.
The following are the main features available with a Central Bank of India Aspire Credit Card.
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.
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.
Central Bank of India Aspire Credit Card customers can get a maximum credit period of up to 55 days.
Customers can make instant cash withdrawals with their Central Bank of India Aspire Credit Cards according to applicable bank rates.
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.
Central Bank of India Aspire Credit Card users can get premium dining, movie, travel and lifestyle offers from Visa.
|Type of Charge||Amount|
(The annual fees will be waived off if the spend on the card is more than Rs. 3 lakhs)
|Add-on Card Fees||NIL|
|Finance Charges||1.20% per month|
|Card replacement 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%|
Yes, a Cent Aspire Deposit account should be compulsorily opened to procure a Central Bank of India Aspire Credit Card.
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.
No, the interest free credit period does not apply to ATM cash withdrawal transactions.
Yes, a service charge of 1.2% per month will be applicable on the unpaid amount, after the minimum amount has been paid.
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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