Summary
Central Bank of India Visa Platinum Credit Card is a premium card for customers who wish to experience enhanced benefits, rewards, and banking convenience. The card has a contemporary blue and silver color scheme, which makes it look elegant and luxurious. With the Visa Platinum logo, it has a global acceptance advantage and convenience in making payments to millions of merchants across the world.
One of the most attractive advantages of this card is its reward points program where the user gets 1 reward point for each ₹100 spent. These reward points can then be used to enjoy great offers. The card also gives a 1% fuel surcharge rebate on fuel transactions between ₹500 and ₹3,000, which makes the card extremely cost-effective for frequent flyers.
For those who want to travel in style, the card provides free airport lounge access at select domestic airports. The card also has a contactless payment feature, which enables easy and secure low-value payments without swiping or PIN entry.
Introduction
Central Bank of India Visa Platinum Card is an excellent financial instrument that allows you to make convenient and secure purchases. Through the Central Bank of India Visa Credit Card, customers can not only shop online and offline but also get many great benefits. Central Bank of India Platinum Credit Card is especially good for those who want to control their expenses and also want to experience cashless transactions.
The biggest feature of the credit card is its ease of use and security. Customers can use it at any place where Visa cards are accepted. Apart from this, the Visa Platinum Credit Card is also very convenient for online shopping. If you are fond of traveling, then the Central Bank of India Platinum Credit Card can prove to be especially beneficial for you. It also includes travel insurance, airport lounge facilities, and other travel-related benefits.
Another important aspect of the Central Bank of India Visa Credit Card is that it rewards customers through cashback and reward points. Every time you use the Visa Platinum Credit Card, you get reward points on purchases, which can later be redeemed for various gifts or discounts. addition, on certain dates and festivals, customers can take advantage of special cashback offers.
In today’s article, we will discuss in detail the Central Bank of India Visa Platinum Card. In which we will tell you in detail about its benefits. So read this article till the end so that you do not have any problems later.
What is the Central Bank of India Visa Platinum Credit Card?
The credit card is a special credit card offered by the Central Bank of India. The Visa Platinum credit card is designed for customers who want to make convenient and secure transactions. Through this, you can easily make online and offline purchases. You also get many benefits with the Central Bank of India Visa Platinum credit card, such as cashback, reward points, travel insurance, etc.
You can also use it in airport lounges. The cardholder has the facility to make payments anywhere where Visa. Overall, the Central Bank of India Platinum credit card also helps you manage expenses and offers many facilities.
What is the design of the Central Bank of India Visa Platinum Credit Card?
Central Bank of India Visa Credit Card is designed to be contemporary and chic with an affluent appearance. It has a blue and silver color scheme, thus an elegant look. The Visa Platinum logo is inscribed at the bottom right and the Central Bank of India logo is at the top left.
The card number, cardholder’s name, and the dates of validity are tastefully printed in the middle. The overall design radiates class and sophistication, thereby an ideal fit for high-end customers.
What are the benefits of the Central Bank of India Visa Platinum Credit Card?
Visa Platinum Credit Card has many advantages and is suitable for cardholders looking for benefits and rewards.
Key Features:
- Reward Points: Earn 1 reward point for each ₹100 spent on your card. The reward points can be redeemed for wonderful offers.
- Fuel Surcharge Waiver: Avail of a 1% fuel surcharge refund on fuel expenses ranging from ₹500 to ₹3,000 at Indian fuel stations.
- Airport Lounge Access: Get complimentary airport lounge access at certain domestic airports.
- World Acceptance: Accepted world over at Visa-associated merchants and ATMs.
- Contactless Payments: Pay immediately and securely using the contactless payment feature.
- Free Add-On Card: Provide your family with an add-on card having the same features for free.
- Zero Liability on Lost Card: In the event of loss or theft of your card, report the same at once and enjoy zero liability on unauthorized use.
What are the fees for the Central Bank of India Visa Platinum Credit Card?
Here is a simple Visa Platinum Credit Card fee breakup.
| Joining Fee | NIL |
| Annual Fee | NIL |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Central Bank of India Visa Platinum Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the Visa Platinum Credit Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.
- Your credit score plays a role in the selection process. Central Bank tends to favor borrowers with a better credit score, usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Central Bank of India Visa Platinum Credit Card?
The documents that you will have to submit to Get a Visa Platinum Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Central Bank of India Visa Platinum Credit Card be used?
Here is the list of places where you can use it:
- With the Visa Platinum Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Visa Platinum Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Visa Platinum Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Central Bank of India Visa Platinum Credit Card?
The credit amount you can spend is what you are provided with a Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for a Central Bank of India Visa Platinum Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Central Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by the Central Bank; for instance, you can choose the Central Bank of India Visa Platinum Credit Card.
- Just hover your cursor on the Visa Platinum Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Central Bank branch to apply for the Visa Platinum Credit Card.
- Request for the credit card application form for the Visa Platinum Credit Card.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Visa Platinum Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Central Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Central Bank of India Visa Platinum Credit Card in 2025 be right?
Yes, getting a Central Bank of India Visa Platinum Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Central Bank of India Visa Platinum Credit Card is a highly convenient and useful financial product, which can be a great option for every individual. Central Bank of India Visa Platinum Card not only allows you to manage your spending easily on a day-to-day basis, but you also get many benefits. Such as cashback, reward points, and special travel-related services, which make your experience more fantastic.
The biggest benefit of the Visa Platinum Credit Card is its convenience. You can shop online, eat at restaurants, and travel as well with this card. Besides this, if you are a travel buff, then you will have the benefit of travel insurance and airport lounge facilities in Visa Platinum Credit Card as well.
The other notable aspect of credit cards is that it helps you in the management of money. With it, you can track your expenses and avail yourself of the facility of cashless payment when required. The bank’s mobile application and online banking facility also offer you the convenience of tracking your transactions and account details.
Frequently Asked Questions (FAQ’s)
Ans: Yes, there are travel insurance features under the Central Bank of India Visa Platinum Card, which makes you secure while on tour.
Ans: Reward points will be intimated to you through the Central Bank mobile application or online banking.
Ans: You may incur penalty charges and interest for the non-time payment. It may also affect your credit rating.
Ans: Yes, the bank can provide cashback deals during festivals or occasions. You should keep an eye on the website of the bank or their newsletters.
Ans: If you want to close your card, you have to talk to the bank branch or customer care and follow the process guided by them.
