Summary
Central Bank of India Aspire Credit Card is a rewarding and secure credit card designed for those who want to earn real rewards on their daily spending. The card has a simple yet powerful rewards program, under which card members can earn 1 reward point for each ₹100 spent on regular transactions and 5X reward points for eating out, traveling, and online shopping. Additionally, users get bonus reward points for meeting specified annual expenditure targets, thus it is the perfect option for high-frequency consumers.
The reward points can be redeemed as cashback, gift coupons, or travel, thereby offering convenience and flexibility. Frequent travelers who travel frequently are eased by offering free access to airport lounges on domestic travel while in waiting, giving relief to users. Besides, this card also provides relief from the fuel surcharge by 1%, thus fuel will be more affordable while shopping from any petrol pump in India.
Shopping and lifestyle enthusiasts can avail of exclusive discounts on dining, entertainment, and retail purchases through affiliated merchants. The card also allows safe and convenient transactions through contactless payment technology, offering tap-and-pay convenience for faster checkouts. The card also includes EMV chip protection, which offers extra security against fraud and unauthorized transactions.
Introduction
Central Bank of India Aspire Card is a credit card that comes with different features and benefits. If you are looking for a credit card that suits your needs and helps you improve your spending, then the Central Bank of India Aspire Credit Card can prove to be a great option for you.
The specialty of the credit card is that it not only gives great cashback and reward points on normal purchases, but along with this it also offers you great offers for travel, online shopping, and entertainment. This not only allows you to save on your expenses, but you can also make your shopping experience even better.
The Central Bank of India Aspire Card is specifically designed for customers who want to manage their expenses while benefiting from various offers. With the Aspire Credit Card, you can enjoy exclusive discounts at different retail stores, online platforms, and for travel. Additionally, the card provides special services such as email statements, free travel insurance, and 24/7 customer service, offering you even more convenience.
In today’s article, we will discuss in detail the Central Bank of India Aspire Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of the Central Bank of India Aspire Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not face any problems later.
What is the Central Bank of India Aspire Credit Card?
A credit card is a particular type of credit card that provides various facilities and benefits to customers. The Central Bank of India Aspire Card is designed especially for those who wish to save on their expenses. With the CBI Aspire Credit Card, customers can get cashback, reward points, and discounts on shopping.
In addition to this, the Aspire Credit Card has special offers for travel, shopping online, and entertainment. Its annual charges are affordable too, hence open to clients from all walks of life. The Aspire Credit Card overall is an intelligent decision about economic liberty and enhanced experience in shopping.
What is the design of the Central Bank of India Aspire Credit Card?
The Aspire Credit Card is designed in a simple yet classy manner. It has a contemporary appearance with a mix of blue and silver colors, which makes it look professional and premium. The Central Bank of India logo is placed at the top, followed by the “Aspire” branding.
The card also has an EMV chip to provide safe payment and a contactless payment mark, enabling users to pay instantly by simply tapping their card. The clean and elegant design of the card makes it perfect for those who like to have cards that look fashionable.
What are the benefits of the Central Bank of India Aspire Credit Card?
Here are the significant advantages:
- Real Reward Points & Cashback
- 1 reward point for every ₹100 of usual purchases made.
- 5 times the reward points for online transactions, dining out, and travel.
- Reward points for ba onus when reaching annual expenditure milestones.
- Redemption of reward points as cashback, gift vouchers, or air tickets.
- Lifestyle & Shopping Benefits
- Discounts for shopping, eating out, and entertainment.
- Offers on partner websites and e-commerce websites.
- Airport Lounge Access
- Domestic airport lounge access without charges to experience a serene trip.
- Fuel Surcharge Waiver
- Waiving a 1% fuel surcharge on all the fuel pumps in India.
- Secure & Contactless Payments
- Tap-and-pay feature to make immediate, secure payments.
- EMV chip protection for increased security against fraud transactions
What are the fees for the Central Bank of India Aspire Credit Card?
Here is a simple 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 Aspire Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the Central Bank of India Aspire 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 Aspire Credit Card?
The documents that you will have to submit to Get an Aspire 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 Aspire Credit Card be used?
Here is the list of places where you can use it:
- With the Aspire 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 Aspire Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Central Bank of India Aspire 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 Aspire Credit Card?
The credit amount you can spend is what you are provided with an Aspire 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 Aspire 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 Aspire Card.
- Just hover your cursor on the Aspire 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 Aspire Credit Card.
- Request for the credit card application form for the Central Bank of India Aspire Card. They will provide you with the form and proceed accordingly.
- 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 Aspire 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 Aspire Credit Card in 2025 be right?
Yes, getting a Central Bank of India Aspire 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 Aspire Card is a great financial product that not only helps you manage your day-to-day expenditure but also helps you take advantage of various benefits and facilities. You can get cashback, reward points, and special discounts on your transactions with the Aspire Credit Card, which helps improve your budget.
Apart from this, Aspire Credit Card also provides you with special offers and discounts on travel, online purchases, and other services to enable you to save more on your preferred products. One of the major advantages of the Aspire Credit Card is that its annual fee is very minimal, which makes it budget-friendly for people of all classes.
By paying through the Central Bank of India Aspire Card, not only do the customers efficiently control their spending, but they also earn a better credit score. Paying the bill on time will improve your credit score, which will prove beneficial for any loan or credit in the future.
Frequently Asked Questions (FAQ’s)
Ans: Yes, Aspire Credit Card customers of the Central Bank of India are offered an e-mail statement facility through which they can monitor their expenses with ease.
Ans: You will have to incur late fees and interest charges if you fail to pay on time. It also negatively impacts your credit score, so it is always advisable to pay on time.
Ans: There is also the facility of travel insurance with the Aspire Credit Card, which offers security and convenience while you are traveling.
Ans: Apply for an Aspire Credit Card through the official website of the Central Bank of India or any local branch. You need to fill out the application form along with the documents as mentioned.
Ans: Yes, there are some eligibility criteria to get an Aspire Credit Card, i.e., income limit, credit score, and other documents.
