cards / credit / central bank of india / central-visa-gold-credit-card

CENTRAL

4242 •••• •••• ••••

VALID THRU••/••

YOUR NAME HERE

VISA

↑ Your name appears embossed when you sign in.

Central Bank of India Visa Gold Credit Card

Entry-level international credit card with basic rewards

JOIN: ₹500
ANNUAL: ₹500
REWARDS: 0.3%
APR: 40.80% p.a.

VISA CREDIT Gold Plastic VIRTUAL OK

§ BENEFITS

fuel

Fuel Surcharge Waiver

1% fuel surcharge waiver on fuel transactions between Rs 400 and Rs 5,000

1% waiver

rewards

Accelerated Reward Points

Earn 1.5 reward points per Rs 100 on all spends

1.5 RP per Rs 100

insurance

Air Accident Cover

Comprehensive air accident insurance coverage when ticket is booked using the card

Rs 25 Lakh

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹1,50,000
Min monthly salary: —
Age: 18 – 60
Min credit score: 650
Existing account?: Not required
Invitation only?: No

§ FEES

Joining fee: ₹500
Annual fee: ₹500
APR (monthly): 3.40% p.m.
APR (annual): 40.80% p.a.
Late payment fee: ₹800
Over-limit fee: ₹500
Cheque bounce: ₹500
Grace period: 48 days
Min due: 5%

§ ATM & CASH

Own bank free / month: 0
Own bank charge: ₹150
Other bank free / month: 0
Other bank charge: ₹150
International withdrawal: ₹250
Cash advance fee: 2.5%

§ TRANSACTIONS

Currency markup: 3.5%
DCC fee: 1%
Cross-border fee: —
SMS alert / month: —
PIN regen: ₹100
Physical statement: ₹100

§ FUEL

Surcharge waiver: 1%
Min txn: ₹400
Max txn: ₹4,000
Max waiver / cycle: ₹100
Networks: All

§ LIMITS

ATM / day: ₹30,000
POS + e-com / day: ₹2,00,000
Contactless / txn: ₹5,000
Contactless / day: ₹25,000

§ INSURANCE

Insurance: Not provided

§ REWARDS

Programme: CBI Reward Points
Earn rate: 1.5 RP per Rs 100 on all spends
Point value: ₹0.2
Effective cashback: 0.30%
Min redemption: 500 pts
Expiry: 2 years from date of accrual

§ LOUNGE

Domestic: Not available
International: Not available
Domestic guests allowed?: No
International guests allowed?: No

Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Central Bank of India and earns no commission on applications.