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Central Bank of India, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, Central Bank of India is a name to reckon in the credit market.
For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle. Clearly understanding the customer’s spending habits, Central Bank of India offers varied credit cards in the following categories.
1. Shopping Card – Exclusive rewards, offers and discounts on online and offline shopping
2. Cashback Card – Helps in saving money on every purchase through cashback points
3. Rewards Card – Accumulate reward points to get various gifts of your choice
4. Travel Card – Lounge access at airports and discounts on ticket and hotel bookings
5. Life Time Free Card – Free credit cards with no annual fees
6. Business Card – For efficiently managing your business with advance credit
7. Lifestyle Card – Discounts, offers and rewards on basic utilities
8. Entertainment Card
From the above listed credit cards, you can choose the one that suits your priorities and spending behaviour. You can save a huge amount through offers and rewards provided in each category.
Individuals who want to apply for a Central Bank of India credit card must meet the following eligibility criteria.
To apply for a Central Bank of India credit card, you must fall into the age limit set by the bank. The applicant should be minimum of 21 years old and maximum of 65 years. Anyone falling under this age limit can apply for a credit card with Central Bank of India. Add-on credit cardholder should be 18 years old and above.
You must have a regular income to avail a Central Bank of India credit card. The income criteria differ according to the features and specifications of the card. You can get a Central Bank of India credit card against your fixed deposit and minimum income requirement set by the lender. However, income may vary for different cards based on specifications and features.
The customer should show a proof of steady source of income to avail a credit card from Central Bank of India. You can either be a salaried employee working in an established company or a self-employed professional managing your own business.
Nationality: The applicant should be a resident of India or Non-Resident Indian.
The applicant must check the following things while applying for a Central Bank of India credit card.
Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill.
You can also get a Central Bank of India credit card against a fixed deposit.
Age of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Credit History of the Applicant: Credit history is a clear proof of how an individual manages his/her credit related activities. A good credit history is highly preferred by the lender for offering a credit card.
Nationality Criteria of the Applicant: The applicant should be a resident of India or Non-Resident Indian.
How to Apply for Central Bank of India Credit Card?
If you want to apply for a Central Bank of India credit card, the process is simple, and you can follow the steps given below to get it.
To apply for a Central Bank of India credit card, you need to submit the following documents.
Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set by the bank. The charges may vary for different cards depending on the schemes. Annual fees will not be refunded to the cardmember at the time of closure of the credit card.
Cash Advance Fees: The cardholder can use the credit card to withdraw money from ATMs in India and abroad any time. For each transaction, a fee of INR 100 + ST will be charged, and it will be added in the next monthly bill. ATM transactions do not get interest free period unlike other purchases.
Late Payment Charges: Late payment charges are applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable
Central Bank of India cardholder can get interest free credit period of up to 55 days, however, it is subject to change according the scheme and card. You won’t get an interest free period if the previous month’s balance is not cleared in full on or before due date. Similarly, interest free period is not applicable for withdrawing cash from ATM.
You can use the following methods to pay your Central Bank of India credit card bills.
You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a pre-determined amount from your account. This can help you pay the bills on time and avoid paying interest on late payment.
NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Bill Desk: You can use the Central Bank of India Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to Central Bank of India’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.
Cash payment: You can pay your Central Bank of India credit card bills by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.
Cheque payment: If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
You can get in touch with the Central Bank of India credit card customer care 24X7 by contacting the following numbers.
You can call the toll-free number 1800 22 1911 from your mobile and Landlines in India.
You can also write to Central Bank of India zonal offices and post your queries related to credit cards.
It is now easy to check whether you are eligible to get a Central Bank of India credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.
1. Visit the CreditMantri website
2. Click on ‘Credit Cards’ option which will take you to the page where a credit cards from varied banks are listed.
3. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
4. Click on ‘Check Eligibility’ which is displayed against the credit card you choose from the page.
5. You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on ‘Next’ to proceed to the next step.
6. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.
CreditMantri pre-screens your application and suggests the lender who suits your eligibility and is willing to lend to you. This increases the chances of approval rate and helps you get the right loan or credit card much easier.
1. What is the eligibility criteria to apply for credit cards from Central Bank of India?
The primary factors that determine your credit card eligibility are:
2. What are the different credit cards offered by Central Bank of India?
Central Bank of India offers credit cards co-branding with State Bank of India. They have three different credit cards namely,
3. Which credit card from Central Bank of India is the best for travellers?
The Central Bank of India Prime SBI Card is good for travellers as it comes with Complimentary Club Vistara Silver membership and other benefits for frequent travellers.
4. What are the age requirements for applying for credit cards from Central Bank of India?
To qualify for a Central Bank of India Credit Card, the applicant should be at least 18 years old and a maximum of 65 years old.
5. Is my credit score a criterion to determine my eligibility for Central Bank of India Credit Cards?
Yes, your credit score is an essential factor while determining your credit card eligibility. Individuals with a high credit score can quickly secure a credit card with a high credit limit and low-interest rates.
6. To apply for Central Bank of India Credit Cards, are there any income criteria?
Yeah, there is a minimum requirement of Rs. 1.5 lakh or more for a Central Bank of India credit card eligibility.
7. What are the documents I need to submit to apply for Central Bank of India Credit Cards?
The essential documents required to be submitted are:
8. Is a credit card from the Central Bank of India only open to salaried individuals?
No, all salaried and self-employed individuals may take advantage of Central Bank of India credit cards.
9. Do I need to be an existing customer to apply for Central Bank of India Credit Cards?
Yes, you have to be an existing customer of the bank can apply for Central Bank of India Credit Cards.
10. What are the income proof documents I can submit for my Central Bank of India credit card application?
One can submit their Bank Statement, Pay Slip or Income Tax Return as proof of income.
11. Where can one apply for Central Bank of India Credit Cards?
You can apply for a Central Bank of India credit card directly on the bank’s official website or at your nearest branch.
12. Can I get an add-on credit card from Central Bank of India for my family members?
Yes, you can get add on cards for your spouse, children and parents.
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