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  • Central Bank of India Debit Card

    Central Bank of India Debit Card
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    Central Bank of India Debit Cards Overview

    Central Bank of India was established in the year 1911 and has the reputation of being the first commercial bank, completely managed and owned by Indians. Central Bank of India was also proclaimed by its founder to be an asset of the country and a property of India. The bank has a rich history of over 104 years and has been a trendsetter when it come to offering innovative financial solutions for Indians. Central Bank of India offers an array of products like debit cards, loans, deposits and insurance to cater to the diverse needs of Indian customers.

    Central Bank of India Debit Cards comes with features like high withdrawal limit and not only does it simplify the transaction process but it also provides complete security for all transactions. Central Bank of India Debit Cards are issued under Visa and MasterCard platform making it acceptable at a huge number of merchant outlets.

    Debit Cards Offered by Central Bank of India

    Central Bank of India offers five major debit cards. The features and benefits of the debit cards are as described below.

    Central Bank of India Shopping cum Debit Card

    • Cardholders will earn Anmol Rewardz Points for all shoppings transactions made at merchant POS, online transactions and purchases made over the phone. Customers are offered up to 2.5 Anmol Rewardz points depending on the type of transaction.
    • Cardholders are offered a personal death accident cover of Rs.1 lakh.
    • This debit card which is specially crafted to meet the shopping needs of the customers is accepted at all major ATMs and merchant stores across India.
    • The card can be used for online shopping, bill payments and is empowered with 3D VBV/MasterCard SecureCode to offer you additional security
    • The cardholder will also receive SMS notifications every time a transaction is made using the card.

    Central Bank of India Wonder Card

    • Wonder Card is a Visa debit card designed for salaried savings account holders. With Wonder Card, customers can manage savings and overdraft accounts.
    • The cardholder can use the Wonder Card even when there is no credit balance in his account.
    • With the in-built credit facility, the customer can use the card for an excess amount of account balance held in linked account
    • This card can be used for booking railway and air tickets, online shopping, bill payments and comes with an additional VBV authentication to enhance security.
    • Cardholders also enjoy other advantages like personal death accident insurance cover worth Rs.1 lakh and Rewardz points on shopping transactions.

    RuPay Debit Card

    • A truly Indian Card offered on the NPCI platform, RuPay card redefines the meaning of convenience.
    • It is accepted in all ATMs and merchant establishments over India that displays the RuPay logo.
    • RuPay cardholders will receive SMS alerts whenever a transaction is made using the card.
    • You can also use the RuPay card to make transactions at restaurants, petrol pumps, departmental stores and other outlets.
    • With attractive offers for transactions made using RuPay card, this card will delight the customer.

    Central Bank of India Platinum Debit Card

    • A card specially designed for High Net Worth Individuals (HNI Customers), the platinum debit card provides unmatched advantages like high withdrawal and transaction limit.
    • With the MasterCard Platinum debit card, customers get complimentary access to airport lounges.
    • Other features that accompany this card include zero liability for lost cards, zero fuel surcharge and personal accident cover.
    • The Central Bank of India also offers EMV option for Platinum Debit Cards which will enable the customers to make international transactions.
    • Cardholders will also accumulate Anmol Rewardz points for every POS transactions, phone purchases and online purchases made using the card.

    Central Bank of India neXGen Debit Card

    • This card is exclusively crafted for the next generation customers and empowers the cardholders to make cashless transactions.
    • The cardholders are offered Rewardz points on transactions made using the card.
    • The neXGen debit card can be used for shopping, online purchases, utility bill payments and ticket bookings.
    • With 3D MasterCard SecureCode, the neXGen card offers enhanced security to help prevent fraudulent transactions.
    • This card is accepted in all major merchant establishments and ATMs in India and abroad.

    Eligibility for Central Bank of India Debit Cards

    Debit Card Variant

    Eligibility

    Shopping cum Debit Card

    All HSS current account holders and SB account holders

    Wonder Card

    All Cent Salary Savings Scheme (C-SSS) customers are eligible.

    RuPay Debit Card

    • All HSS current and Savings account holders are eligible.

    • Existing customers can also upgrade the accounts to apply for this card.

    Platinum Debit Card

    • All HNI customers of the bank with Average Quarterly Balance of more than Rs.50,000

    • Existing customers with AQB exceeding Rs.50,000 can also apply.

    neXGen Debit Card

    • Central Bank of India Account holders between 10 to 18 years of age

    • This card is also issued as a supplementary card.

    Withdrawal and Shopping Limit for Central Bank of India Debit Cards

    Debit Card Variant

    Withdrawal Limit

    Shopping Limit

    Shopping cum Debit Card

    Rs.40,000 per day

    Rs.1,00,000 per day

    Wonder Card

    Rs.50,000 per day

    Rs.50,000 per day

    RuPay Debit Card

    Rs.40,000 per day

    Rs.1,00,000 per day

    Platinum Debit Card

    Rs.1,00,000 per day

    Rs.2,00,000 per day

    neXGen Debit Card

    Rs.5,000 per day

    Rs.5,000 per day

    Issuance and Annual Fee for Central Bank of India Debit Cards

    Debit Card Variant

    Issuance Fee

    Annual Fee

    Shopping cum Debit Card

    No issuance fee

    Applicable from second year

    Wonder Card

    No issuance fee from second year

    No annual fee from second year

    RuPay Debit Card

    Nil

    Nil

    Platinum Debit Card

    As applicable

    As applicable

    neXGen Debit Card

    Nil

    Nil

    Benefits of Central Bank of India Debit Cards

    • SMS alerts and notifications are sent to the cardholder’s registered mobile number after every transaction.
    • Anmol Rewardz points are offered to the customer with every POS transactions, online purchases and phone purchases. Cardholders can easily redeem the points against a variety of exciting offers.
    • Central Bank of India Debit Cards comes with personal death accident insurance covers.
    • Central Bank of India also offers a choice of debit cards to suit different requirements of customers.
    • Central Bank of India debit cards can be used for a variety of purposes like ATM withdrawal, POS transactions, utility bill payments and also to make online purchases.

    FAQs

    1. What is hotlisting of debit cards? Is this facility offered by the Central Bank of India?

      If a customer loses his debit card, a request for hotlisting the debit card can be made and the card will be blocked. Central Bank of India offers hotlisting facility where the customer has to just send a message to the bank’s number and the card will be blocked.

    2. What is a EMV chip debit card?

      EMV stands for Europay, MasterCard and Visa. EMV cards come with an embedded microchips that will enhance the security of authentication process.

    3. Explain the zero liability protection feature that comes with Platinum Debit Card?

      If your card is lost or misplaced, this card will protect you against any unauthorized transactions for up to Rs.1 lakh from the date of reporting the loss of debit card.

    4. How can I redeem the Anmol Rewardz points?

      You can redeem your Anmol Rewardz points that are offered on spends made using the debit card by visiting the Anmol Rewardz online portal and choosing a redemption option from an array of attractive services and merchandise.

    5. What should I do if I accidentally lose or misplace my debit card?

      Contact Central Bank of India as soon as you notice the loss of your debit card. You can also hotlist the debit card by sending a SMS to Central Bank of India. Also, request the issuance of a new debit card to continue enjoying the benefits.

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