SELECT `id` FROM `tbl_card` WHERE `title` = 'Central Bank Of India Aspire Credit Card' AND `card_type` = 'Credit Cards' Central Bank Of India Aspire Credit Card - Benefits, Features

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CENTRAL BANK OF INDIA ASPIRE CREDIT CARD

Central Bank of India is the first Indian commercial bank to be completely owned and managed by the Indians. It was established in the year 1911. The founder of the bank is Sir Sorabji Pochkhanawala. The main motive behind the establishment of the bank was to provide useful banking service to the people and enhance their banking experience. The bank has served the vast population of the country by giving accurate solutions for each of their banking requirements. 

Central Bank of India Aspire Credit Card is one such type that is issued to customers holding Cent Aspire Fixed Deposits. Central Bank of India Aspire Credit Card holders can get a credit-free period for up to 55 days. The card rewards and provides exclusive offers on travel, dining, entertainment and lifestyle spends. The credit limit for a Central Bank of India Aspire Credit Card is generally offered based on the amount deposited by the customer, while opening the Cent Aspire Term deposit.

Central Bank of India Aspire Credit Card Features

1. The card is secured for online usage with verified Visa Secure Code.

2. One Time Password (OTP) is generated for every online transaction

3. Upto 55 days of credit-free card usage

4. Auto debit facility available

5. SMS alerts delivered to registered mobile number for every transaction, statement generation, payment due & periodic card offers

6. Customer Care Services available 24x7

7. Benefit of Anmol rewardz 1 point per Rs.100/- spent

8. Personal Accident Cover (against death) of Rs.1 lakh

9. The card is based on a customer's Cent Aspire Term Deposit and not savings accountGlobal acceptance

10. Maximum Credit Limit of 100% of Term Deposit amount without considering accrued interest with Maximum limit of Rs.10 lakhs.

Central Bank of India Aspire Credit Card Benefits 

Reward type

Travel, Dining, Entertainment and Lifestyle

Insurance

Personal Accident Cover (against death) of Rs. 1.00 lac under Group Insurance Scheme.

Rewards points 

Benefit of Anmol rewardz 1 point per Rs.100/- spent

Credit Limit

Credit limit allowed upto 100% of the Fixed Deposit amount (Minimum limit is Rs Rs 20,000 & Maximum Limit is Rs 10.00 lac)

Central Bank of India Aspire Credit Card Fee and charges

To apply for an Aspire Credit Card, you have to pay fees and charges applied by the Central Bank of India. It covers all charges and fees made by a bank to their customers.The following charges are taken from Central Bank of India i.e joining fee, annual fee, interest rate, late payments charges etc.

TYPE

CHARGES

Annual Fee

Rs.500 (The annual fees will be waived off if the spend on the card is more than Rs. 3 lakhs)

Issuance Fee

NIL

Add-on Card Fees

NIL

Finance Charges

1.20% per month

Card replacement Fees

Rs.100

Renewal Fees

Rs.100

Emergency card replacement charges (abroad)

Rs. 150 / card

Deblocking charges

Rs. 100 / instance

Over limit charges

2% of the credit limit / A minimum of Rs.100.

Late Payment Fee

A minimum of Rs. 100 and up to a maximum of Rs. 10,000, 1% of outstanding amount after that.

Charge slip Retrieval Charges

Rs. 100

Cheque Return Charges

Rs. 150

Railway Ticket Purchase/Cancellation Fee

2.5% plus Rs.30

Duplicate statement

Rs. 100 / request

Foreign currency transactions

Conversion mark- up fee of 3.5%

If outstanding is more than Rs. 10,000, then 1% of the amount is charged.

Cash withdrawal

Rs 100 plus service charges

Fuel Transaction Charge

2.5%

Central Bank of India Aspire Credit Card Eligibility Criteria

Before applying for an Aspire Credit Card from the Central Bank of India, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.

1. Applicant should be 18 years & above.

2. Applicant should be an account holder of the Bank maintaining an Cent Aspire Fixed Deposit Account with the Bank

Central Bank of India Aspire Credit Card Documents Required

Any applicant who is applying for an Aspire credit card from the Central Bank of India must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.

1. KYC Documents = PAN, address proof and ID proof

2. Coloured photograph

3. Income Proof = Last 3 month salary slip

4. Last 3 months bank statement 

5. ITR or Form 16

Central Bank of India Credit Card Login 

Cardholders of Central Bank of India Credit Card can log in to their credit card account through following steps :

1. Go to Central Bank Of India website

2. In the top right corner you will find the ‘Login’ button. Click on the same

3. Enter your User ID and Password

4. Click on Login to proceed further

5. You will be logged in to your CBI bank account

How to apply for Central Bank of India Aspire Credit Card

There are two reason to apply for Central Bank of India Aspire Credit Card :

1. Offline Method : By visiting the nearest branch of Central Bank of India

2. Online Method  :

  • You can visit the ‘Aspire Credit Cards’ page of the Central Bank of India official website.

  • Enter your personal and contact details.

  • After the verification, a representative from the bank will get in touch with and ask to guide you through the process.

  • You may have to submit KYC documents and income proof to get a Central Bank of India credit card.

Central Bank of India Aspire Credit Card Customer Care 

Contact number : 1800221911

Email id :  complaints@centralbank.co.in

Central Bank of India Credit Card Payment Online 

1. Login to CBI net banking using your card number, email, phone and the payment amount

2. Click on My cards from the drop down menu select the credit card

3. Click on pay

4. You will be directed to the payment gateway page

5. Enter the authentication details

6. Confirm the payment amount

7. Your account will be debited and you will receive a reference transaction number

Bank offered Financial Products

BUSINESS LOAN

CAR LOAN

COMMERCIAL LOAN 

EDUCATION LOAN

GOLD LOAN

HOLIDAY LOAN 

HOME LOAN 

LOAN AGAINST PROPERTIES 

LOAN AGAINST SECURITIES

PERSONAL LOAN

PROFESSIONAL LOAN

TWO WHEELER LOAN

Central Bank of India Aspire Credit Card Frequently Asked Questions 

1. What is a Central Bank of India Aspire Credit Card?

Central Bank of India Aspire Credit Card is one such type that is issued to customers holding Cent Aspire Fixed Deposits. Central Bank of India Aspire Credit Card holders can get a credit-free period for up to 55 days. The card rewards and provides exclusive offers on travel, dining, entertainment and lifestyle spends. 

2. How much age is the candidate required to get a Central Bank of India Aspire Credit Card?

The minimum age is 18 years and maximum age is 65 years to get a Central Bank of India Aspire Credit Card.

3. What is the renewal fee of the Central Bank of India Aspire Credit Card?

The renewal fee of the Central Bank of India Aspire Credit Card is Rs.500.

4. What are the rewards points given in a Central Bank of India Aspire Credit Bank?

The rewards points given in the Aspire Credit Card from Central Bank of India is 

  • Benefit of Anmol rewardz 1 point per Rs.100/- spent

5. How much interest rate is provided by the Central Bank of India Aspire Credit Cards?

The interest rate is 1.20% per month provided by Central Bank of India Aspire Credit Cards.

6. What type of rewards are included in the Central Bank of India Aspire Credit Card?

Travel, Dining, Entertainment and Shopping rewards are included in the Central Bank of India Aspire Credit Card.

7. How can I apply for a Central Bank of India Aspire Credit Card?

You can apply for a Central Bank of India Aspire Credit Card through online and offline by visiting the nearest bank branch.

8. How do I contact customer care for a Central Bank of India Aspire Credit Card?

You can contact through customer care toll free number and also through e-mail id for a Central Bank of India Aspire Credit Card.

9. What is the joining fee of the Central Bank of India Aspire Credit Card?

The joining fee of the Central Bank of India Aspire Credit Card is NIL.

10. What are the late payment charges of the Central Bank of India Aspire Credit Card?

The late payment charges of the Central Bank of India Aspire Credit Card is Rs.100.

Last Updated on : 13/Oct/2020

Know More About CREDIT CARDS

Central Bank Of India Aspire Credit Card

You're eligible for a Central Bank Of India Aspire Credit Card if you:


Are legally adult enough to handle it


Have still got it


Get a regular pay check


Make more than a basic buck

Your eligibility depends on:


Earn more than minimum income required


Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs


EMIs of other loans loweryour eligibility

Boost your eligibility by:


Pay off your credit card bills


Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account