Central Bank Credit Card Features & Benefits 2026
Last updated:
Quick Answer
Central Bank of India offers credit cards ranging from entry-level cashback cards to premium travel and lifestyle cards. Key benefits include reward points, airport lounge access, fuel surcharge waiver, and dining discounts.
Central Bank Credit Card Features — Rates at a Glance
| Annual fee (entry-level) | ₹0–₹500(Often waived on spending milestone) |
| Annual fee (premium) | ₹2,500–₹5,000 |
| Annual fee (super premium) | ₹5,000–₹10,000+ |
| Finance charge (APR) | 1.99–3.75% per month |
| Cash advance fee | 2.5–3% of amount (min ₹500) |
| Late payment fee | ₹100–₹1,300 based on outstanding |
Rates are indicative as of 2026-04-07. Verify with Central Bank of India official website before investing.
Key Things to Know
- 1Central Bank offers cards across categories: cashback, travel, lifestyle, and business
- 2Reward points typically worth ₹0.25–₹1 per point
- 3Interest-free credit period: 20–50 days
- 4Fuel surcharge waiver (usually 1%) at petrol pumps
- 5EMI conversion available for purchases above ₹2,500
- 6Zero liability on fraudulent transactions (report within 3 days)
Calculate Your Returns
Calculator not available. Please try another one.
Frequently Asked Questions
Which is the best Central Bank credit card in 2026?
The best Central Bank credit card depends on your spending pattern. For cashback: entry-level options. For travel: premium cards with lounge access. For shopping: cards with e-commerce rewards. Check the bank website for current offers.
What is the minimum income to apply for Central Bank credit card?
Entry-level Central Bank credit cards require a minimum annual income of ₹2.5–₹3 lakh. Premium cards may require ₹8–₹15 lakh or more.
How long to get Central Bank credit card after approval?
After approval, Central Bank typically dispatches your credit card within 7–10 working days. Instant virtual cards may be available for online use.
What is the credit card interest rate at Central Bank?
Central Bank credit card APR ranges from about 1.99% to 3.75% per month (23.88%–45% annually) on revolving credit. Always pay full dues to avoid charges.