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.
The bank has introduced a VISA Gold credit card. This card is accepted worldwide and comes with a host of benefits. It has unique security features to ensure the transaction is safe and secure. Moreover, the customer can enjoy a credit-free period of 55 days. Central Bank of India VISA Gold Credit Card is accepted at all merchant outlets across the world. Cards can be used at any ATM anywhere in the world to the extent of permissible limits. This credit card from the Central Bank of India offers the best lifestyle and travel privileges to card holders. As a premium credit card, customers can use the Central Bank of India VISA Gold Credit Card anywhere in the world and can also make instant cash withdrawals.
1. Add-on card facility available
2. E-statement delivery to registered e-mail id
3. Auto debit facility available
4. Customer Care Services available 24x7
5. Global acceptance
6. The Central Bank of India Visa Gold Credit Card can be used at over a million ATMs within India and at 29 million merchant outlets around the globe.
7. The customer can enjoy a credit-free period of 55 days.
8. Card holders can use the auto-debit facility to make payments towards outstanding balance available on a credit card.
|
Reward type |
Lifestyle and Travel |
|
Offers |
Central Bank of India Visa Gold Credit Card users can get special discounts and seasonal offers on hotel bookings along with amazing shopping deals, round the clock |
|
Revolving Credit |
Central Bank of India Visa Gold Credit Card customers can also opt to avail the revolving credit facility for their credit cards. |
|
Rewards points |
1 point/Rs. 100 spent on all retail purchases. |
|
Interest Free |
Users get up to 55 days of interest-free credit card usage. |
To apply for a VISA Gold 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 |
NIL |
|
Issuance Fee |
Nil |
|
Add-on Card Fees |
NIL |
|
Finance Charges |
2.75% per month |
|
Card replacement Fees |
Rs.100 |
|
Renewal Fees |
Rs.100 |
|
Deblocking charges |
Rs. 100 / instance |
|
Over limit charges |
2% of the credit limit / A minimum of Rs.100. |
|
Late Payment Fee |
Below Rs. 100 - Nil Above Rs. 100 - Rs. 100 |
|
Fuel Transaction Charge |
2.5% |
|
Charge slip Retrieval Charges |
Rs. 100 |
|
Cheque Return Charges |
Rs. 150 |
|
Emergency card replacement charges (abroad) |
Rs. 150 / card |
|
Duplicate statement |
Rs. 100 / request |
|
Foreign currency transactions |
Conversion mark- up fee of 3.5% |
|
Cash withdrawal |
Rs 100 plus service charges |
Before applying for a VISA Gold 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 and below 65 years in age
2. Applicant should be an account holder of the Bank
3. Gross Annual Income should be above Rs 1.50 lac
Any applicant who is applying for a VISA Gold 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
There are two reason to apply for Central Bank of India VISA Gold Credit Card :
1. Offline Method : By visiting the nearest branch of Central Bank of India
2. Online Method :
You can visit the ‘VISA Gold 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 VISA Gold Credit Card Customer Care
Contact number : 1800221911
Email id : complaints@centralbank.co.in
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
This card is accepted worldwide and comes with a host of benefits. It has unique security features to ensure the transaction is safe and secure. Moreover, the customer can enjoy a credit-free period of 55 days. Central Bank of India VISA Gold Credit Card is accepted at all merchant outlets across the world. Cards can be used at any ATM anywhere in the world to the extent of permissible limits.
The minimum age is 18 years and maximum age is 65 years to get a Central Bank of India VISA Gold Credit Card.
The renewal fee of the Central Bank of India VISA Gold Credit Card is Rs.NIL.
The rewards points given in the VISA Gold Credit Card from Central Bank of India is
1 point/Rs.100 spent on all retail purchases.
The interest rate is 2.75% per month provided by Central Bank of India VISA Gold Credit Cards.
Travel and Lifestyle rewards are included in the Central Bank of India VISA Gold Credit Card.
You can apply for a Central Bank of India VISA Gold Credit Card through online and offline by visiting the nearest bank branch.
You can contact through customer care toll free number and also through e-mail id for a Central Bank of India VISA Gold Credit Card.
The joining fee of the Central Bank of India VISA Gold Credit Card is NIL.
The late payment charges of the Central Bank of India VISA Gold Credit Card is Rs.100.
Last Updated on : 13/Oct/2020Know More About CREDIT CARDS
You're eligible for a Central Bank Of India Visa Gold 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