Central Bank of India Credit Card limit

Often the term credit limit comes across when you talk about credit cards. It’s actually an amount of credit given to a card shopper. Central Bank can assess your limit based on the income you earn and the credit score you have. A good income and a greater credit score do put you with a good chance to get more limit. Even if the limit comes lower than what you want, there’s a chance to get it up by maintaining a habit of paying the dues on time. The bank, in order to retain such customers, can raise their limit after finding the repayment track to be smooth for at least a year.

Central Bank of India Eligibility Criteria

Anyone with 18-65 years can apply for a credit card of their choice at Central Bank of India.

Documents Required

Get the following documents ready while applying for a credit card.

Identity Proof – Any from PAN Card,Voter ID, Passport, Driving License or Aadhaar Card

Residence Proof – Any from Voter ID, Passport, Driving License, Aadhaar Card or Utility Bill

Income Proof – Latest salary slips for salaried, ITR & audited balance sheet for self-employed

Passport size photographs

Central Bank of India Credit Card Application Form

You can find the application form online or visit the bank branch to get the same. Just enter your personal and professional details correctly before submitting the form. These details would then be examined by the lender to check whether they are genuine or not.

Central Bank of India Credit Card Application Status

Check the application status by dialing the branch or customer care executives. Whatever the status would be, you will get to know that from the executives. In addition, you would know the reasons for rejection if it has happened. So, if you can fill the void in your application by making the required correction, do so and then apply to get the nod from the bank.

Central Bank of India Credit Card Online Payment

Pay card bills using any of net banking, mobile banking or payment gateway modes. If you have the tendency to forget due date and all, you can thus set an Auto Pay on the same online and get the bills paid automatically from your end. You can even just add the bill on the net banking or mobile banking page and choose to pay manually.

Central Bank of India Credit Card Customer Care Number

Dial the 24×7 toll free number – 1800222368 or 022-66387737, 66387743 for any query regarding Central Bank of India Credit Card. Be it the loyalty points to be earned on retail spends or fees & charges on card usage, the executives would tell you everything in detail.

Central Bank of India Credit Card PIN Generation

You can generate your credit card pin if lost or forgotten. Just visit any Central Bank ATM and generate the PIN.

To offer a financial upper hand to users, the Central Bank of India provides a wide and appealing array of Credit Cards. Apart from extending the spending capability of users, these credit cards also offer a long list of benefits that include shopping-related advantages, discount on fuel purchase, offers on purchasing lifestyle products, and appealing rewards that come on utility bill payments. Users can also avail of the benefit of easy fund transfer along with the facility of internet and mobile banking, both on these cards.

Visa Platinum Credit Card - Central Bank of India

With an objective to offer financial robustness to people, the Central Bank of India offers the Visa Platinum Credit Card. to user. The card is widely accepted across various merchants and different outlets crosswise the globe. To be eligible to avail the facilities of this Visa Platinum Credit Card, users should lie in the range of 18 years and 65 years. Also, it becomes quintessential that users are holding a saving or current account with the Central Bank of India and should have a gross annual income of Rs 5,00,000 or more.
Documents required

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Address proof
PAN card
Contact information (mobile number and email id)
Salary slip (for users who are salaried professionals)
IT returns (for self-employed or business professionals)

Highlights

An OTP is generated every time an online transaction is initiated
Offers a credit-card usage of up to 55 days
Add-on card facility
E-statements available on the email id
Users can also leverage the auto-debit facility
For every Rs 100 spent through this Visa Platinum Credit Card, 1 loyalty point is given

For information on fees and additional charges, users can visit this link

Visa Aspire Credit Card

Users who want to leverage different shopping benefits and avail of multiple advantages on their transactions can take the Visa Aspire Credit Card offered by the Central Bank of India. With this credit card, users can make transactions across all merchants globally. In addition to this, users can withdraw cash using this credit card on all ATMs around the world, offering them an edge.

Users who are 18 years of age or more and who hold a Cent Aspire Fixed Deposit Account with the Central Bank of India are eligible to take this Visa Aspire Credit Card.

Features of Visa Aspire Credit Card

This credit card offers a credit limit of up to 100% of the Fixed Deposit amount with a minimum limit of Rs 20,000 and a maximum cap of Rs 10,00,000.
An OTP is sent to users for each transaction made through this card
55-days of credit card free usage
Auto debit
1 Reward point for every Rs 100 spent
This card also offers a personal accident cover (against death) of Rs 1,00,000 under the group insurance scheme

For fees and charges related information, users can reach this link

Titanium Credit Card

In order to solidify the financial pockets of its customers, the Central Bank of India launches the Titanium Credit Card. With extensive acceptability across various ATMs and millions of merchants across India and the world, this Titanium Credit Card generates a one-time password (OTP) for each transaction made. Users who want to get this card should lie in the age frame of 18 years and 65 years, should hold an account with the Central Bank of India and should have a gross annual income of Rs 1.50 lacs and above.

Documentation needed

Address proof
Copy of PAN card
Mobile number and email ID
Salary slip
IT return copy (latest)

Attributes

An OTP is sent to users for every transaction made through this card
55-days of credit card free usage
Add-on card facility
Auto debit facility
24*7 customer support
1 Reward point for every Rs 100 spent
Complimentary airport lounge access at selected airports crosswise India

For fees and charges related queries, users can reach this link.

MasterCard World Credit Card - Central Bank of India

Central Bank of India offers a premium credit card for users that can be utilized at all ATMs around the globe without any hassle. The MasterCard World Credit Card is meant for people who are ages between 18 years and 65 years and who have a gross annual income of Rs 5,00,000. In addition to this, it is mandatory that users hold an account (savings or current) with the Central Bank of India.

Documentation needed

Address proof
Copy of PAN card
Mobile number and email ID
Salary slip
IT return copy (latest)

Features

An OTP is sent to users for every online transaction made via this card
Up to 55-days of credit card free usage
Add-on card facility
Auto debit facility
Users receive e-statements on their email ids
SMS facility for every transaction
24*7 customer support

Added perks

Users can win a complimentary airline ticket voucher of up to Rs 1200 on the issuance
Complimentary lounge access to users
3 loyalty points given for Rs 100 domestic expenditure
4 loyalty points are provided for Rs 100 international expenditure
Also, users can leverage the lost card insurance of up to Rs 1,00,000 per day
Air accident insurance coverage of up to Rs 10 lacs
Petrol surcharge waive off for transactions between Rs 400 and Rs 4000

For fees and charges related queries, users can reach this link

RuPay Platinum Credit Card - Central Bank of India

The RuPay Platinum Credit Card is offered to users who are between 18 years and 65 years of age and who hold a bank account with the Central Bank of India. This exclusive credit card is accepted at RuPay empowered POS establishments and e-commerce merchants is known for its wide acceptance at around 39 million merchants and 1.88 million ATMs internationally stretched across 185 nations.

Documents required

Address proof docs
PAN card (copy)
Mobile number and email id for contact information
Salary slips
Latest IT returns (copy)

Features of RuPay Platinum Credit Card

Welcome offer

Up to 15% off at Apollo Pharmacy
Store and Rs 500 gift voucher from
Croma
RuPay Insurance cover

A cover of Rs 2 lacs for the personal
accident (death) and permanent total
disability
Cashback on utility bill payment

5% cashback on the utility bill
payment (upper cap at Rs 50 per
month)
Cashback on dining

5% cashback on eating places and
restaurants with an upper limit of Rs
50 per month
Concierge services

Around-the-clock support, referral
and reservation services - hotel,
dining, car rental, and consultancy
solutionsMerchant offer

Users can avail of discounts at a few
selected online and POS merchants
Loyalty points
1 loyalty point for every Rs 100 spent

To know about fees and additional charges involved with this credit card, visit this link.
RuPay Select Credit Card

Central Bank of India offers the Rupay Select Credit Card for users who hold a current or a savings account with the bank. Apart from a far-out acceptance crosswise millions of merchants, RuPay enabled POS establishments, e-commerce stores, and around 1.8 million ATMs, this RuPay Select Credit Card is also known for providing a rewarding experience to users while they make transactions.

Documents required

Address proof docs
PAN card (copy)
Mobile number and email id for contact information
Salary slips
Latest IT returns (copy)

Features of RuPay Platinum Credit Card

Welcome offer

Up to 15% off at Apollo Pharmacy
Store and Rs 500 gift voucher from
Croma
RuPay Insurance cover

A cover of Rs 10,00,000 for the
personal accident (death) and
permanent total disability
Cashback on utility bill payment

5% cashback on the utility bill
payment (upper cap at Rs 50 per
month)
Cashback on dining

5% cashback on eating places and
restaurants with an upper limit of Rs
50 per month
Lounge access domestic

Users can avail of two access per
quarter (without any charge) at 30+
lounges spread crosswise 11+ cities in
IndiaLounge access international

This card offers four free access that
encapsulates around 500 or more
lounges across 300+ cities crosswise
the worldConcierge services

Around-the-clock support, referral
and reservation services - hotel,
dining, car rental, and consultancy
solutionsMerchant offer

Users can avail of discounts at a few
selected online and POS merchants
Loyalty points
1 loyalty point for every Rs 100 spent

To know about fees and additional charges involved with this credit card, visit this link

How to apply for Central Bank of India's Credit Card?

To begin with, users would be required to visit a nearby located branch of Central Bank of India.
Now, users can either request an application form at the branch or they can simply download the application form from this link
It is important for users to keep in mind the required documents that are essential for a successful application process.
The bank agent will offer the list of required documents or users can visit the official website of Central Bank of India to know the same.
Users would be required to fill the duly filled application form along with the set of needed documents to the bank executive.
Once the application is accepted, the credit card will be issued to the user.

Points to note

Along with this, users can also leverage the SMS facility of hot-listing of credit cards via SMS at these numbers
Users can also inquire about their EMIs that are available on the offered credit cards by visiting this link
Central Bank of India also provides the missed call service for users to inquire and raise issues related to the available set of credit cards. Click here for details

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What is maximum available credit limit?

Available credit is defined as the total amount that a borrower has left for spending, and it can be calculated by deducting the borrower's purchases (along with interest on them) from the total credit limit on their account.

Can I use 100% limit of credit card?

Yes, credit card issuers allow you to use your card for an amount above the credit limit, called the 'over limit' facility. Before you avail of this facility, there are a few things you need to keep in mind.

What is minimum limit of credit card?

The meaning of minimum credit limit is the least amount of credit that the bank will offer you on application. The maximum limit is the most that the lender will offer you to borrow.

What is a high limit on a credit card?

A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000). You're more likely to have a higher credit limit if you have good or excellent credit.