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

    The RuPay Select Credit Card is offered by Central Bank of India in association with National Payments Corporation of India (NPCI).

    Central Bank of India RuPay Select Credit Card comes with a minimal annual fee and offers exclusive cashback offers, discounts on dining, welcome gifts, comprehensive insurance coverage and a lot more. Listed below are the features and benefits provided by RuPay Select Credit Card offered by Central Bank of India in detail.

    Features And Benefits Of Rupay Select Credit Card

    • Welcome gift discount coupon from Apollo Pharmacy and a gift voucher worth Rs.500 from Croma Stores
    • Cardholders can earn 3 loyalty points on every Rs.100 spent on the card
    • Pay utility bills using RuPay Select Credit Card and get 5% cash back on the transaction amount on all payments made through online and point of sale terminals. Maximum cashback per month is capped at Rs.50
    • 5% cashback on dining-related spends subject to a maximum cashback of Rs.50 per month
    • Insurance cover worth Rs.10 lakh that provides coverage for permanent total disability and death due to personal accident
    • Two complimentary airport lounge visits per quarter valid at more than 30 domestic airport lounges across 11 Indian cities
    • Four fee airport lounge visits per year valid at more than 500 international airport lounges located in more than 300 cities across the globe
    • 24x7 assistance for concierge services including referrals and reservations for hotels, car rentals, dining, and consultancy services
    • RuPay Select Credit Cards are acceptable at all RuPay enabled POS terminals and ATMs in India
    • International RuPay Select 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

    Fees And Charges Related To Central Bank Of India Rupay Select Credit Card

    Fee Type


    Credit card issuance fee


    Annual fee


    Add-on card fee


    Renewal fee


    Finance charges or interest

    3.5% per month

    Cash withdrawal fee

    Rs.100 per transaction

    Late payment fee

    Outstanding less than Rs.100 – NIL

    Rs.100 to Rs.500 – Rs.100

    Rs.501 to Rs.10,000 – Rs.350

    Rs.10,001 to Rs.20,000 – Rs.500

    Rs.20,001 and above – Rs.650

    Card re-issuance fee (In case of lost or stolen card)


    Emergency card replacement abroad


    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

    Eligibility To Apply For Rupay Select Credit Card

    To apply for a RuPay Select 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 Rupay Select Credit Card

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

    Apply For Central Bank Of India Rupay Select 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 fields with accurate details
    • Select ‘Credit Card’ and choose ‘Central Bank of India’ from the drop down
    • You must also choose the 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’s credit card customer care helpline at 1800 222 368 to find the process of applying for a RuPay credit card.


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