Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Central Bank of India RuPay Platinum Credit Card

    Central Bank of India in partnership with the National Payments Corporation of India (NPCI) is offering two different types of RuPay credit cards – RuPay Select and RuPay Platinum.

    The RuPay Platinum Credit Card is a zero annual fee credit card that offers exclusive cashback offers, discounts on dining spends, welcome gifts, comprehensive insurance cover and a lot more. Listed below are the features and benefits offered by RuPay Platinum Credit Card offered by Central Bank of India in detail.

    Features and Benefits of Rupay Platinum Credit Card

    • Welcome gift includes Rs.500 gift voucher from Croma Stores and a 15% off discount coupon from Apollo Pharmacy
    • One loyalty point for every Rs.100 spent on the card
    • 5% cash back on all utility bill payments made through online and point of sale terminals. Maximum cashback capped at Rs.50 per month
    • 5% cashback on dining-related payments subject to a maximum of Rs.50 per month
    • Insurance cover worth Rs.2 lakh that provides coverage for death, personal accident and total disability
    • 24x7 assistance for concierge services including referrals and reservations for hotels, car rentals, dining, and consultancy services
    • RuPay Platinum Credit Cards are acceptable at all RuPay enabled POS terminals and ATMs in India
    • International RuPay Platinum Credit Cards are accepted at ICS enabled terminals located at over 39.3 million retail outlets and over 2 million international ATMs in over 185 countries

    Central Bank Of India Rupay Platinum Credit Card Fees and Charges

    Type of Charge Amount
    Credit card issuance fee NIL
    Annual fee Zero
    Add-on card fee NIL
    Renewal fee Rs.100
    Finance charges or interest 2.99% per month
    Cash withdrawal fee Rs.100 per transaction
    Late payment fee

    Outstanding less than Rs.100 – NIL

    Above Rs.100 – Rs.100

    Card issuance fee (In case of lost or stolen card) Rs.100
    Emergency card replacement abroad Rs.150
    Over limit fee 2% of the over limit amount subject to a minimum of Rs.100
    Card de-blocking charges Rs.100 per request
    Charge slip retrieval charges Rs.100 per slip
    Cheque return charges Rs.150 per instrument
    ECS or Auto debit dishonour charges Rs.150 per instance
    Duplicate statement Rs.100 per request
    Railway ticket booking 2.5% of the transaction value + Rs.30
    Foreign currency transaction charges 3.5% of the transaction amount

    Central Bank Of India Rupay Platinum Credit Card Eligibility Criteria

    To apply for a RuPay Platinum Credit Card, the applicant should

    • Have a minimum age of 18 years and maximum age of 65 years
    • Have an account with Central Bank of India

    Documents Required to Apply for Central Bank Of India Rupay Platinum Credit Card

    • Contact details such as mobile number and e-mail ID, etc.
    • PAN Card
    • Address proof
    • Salary slip for (for salaried individuals)
    • Copy of latest Income Tax return for self-employed

    Apply for Central Bank Of India Rupay Platinum Credit Card Online

    To apply for any of the RuPay Credit Cards offered by Central Bank of India, you need to visit RuPay official website and follow the steps mentioned below.

    • Visit
    • From the main menu, click on ‘Apply Now’
    • You will be redirected to RuPay card request form where you need to fill the required details
    • Select ‘Credit Card’ and choose ‘Central Bank of India’ from the drop down
    • You must also choose preferred or current bank from the drop-down, enter your PIN code and click on ‘Submit’

    Once the application has been submitted, you will receive a call back from the respective department. You can clear all your doubts and know the application process over the call.

    Alternatively, you can also call to Central Bank of India credit card customer care helpline at 1800 222 368 to find the process of applying for a RuPay credit card.

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