Summary
The Central Bank of India Titanium Credit Card is a rewarding and convenient financial product that can be used daily. With its minimalist and professional look, this RuPay-enabled credit card provides several advantages, and therefore it can be regarded as a great option for those seeking a low-fee but full-featured credit card.
One of the best features of this card is its reward points program, under which customers get 1 reward point for every ₹100 of retail spend. The reward points can be redeemed on a host of offers, thus enriching the transaction by giving it a value addition. The card offers a 1% fuel surcharge waiver too, which saves customers money on fuel.
For people who like convenient transactions, there’s a contactless payment option that provides instant and secure transactions with a single tap. It also has an interest-free credit period of up to 50 days, enabling users to keep their finances on track. Big-ticket purchases can be made as EMIs, so expensive shopping becomes affordable with time.
Introduction
The card is designed specifically for those who want to get the best benefits on their purchases and expenses. The Central Bank of India Titanium Card not only makes shopping convenient but also comes with a variety of special offers and rewards. The CBI Titanium Credit Card is aimed at making your daily life even easier, allowing you to make great savings on shopping, travel, and bill payments.
The biggest advantage of a credit card is that it earns you reward points on every purchase, which you can redeem later. The Central Bank of India Titanium Card promotes cashless transactions, allowing you to make even the biggest purchases with ease. Apart from this, with the CBI Titanium Credit Card, you can avail special discounts and offers at your favorite retail outlets and online shopping platforms.
Central Bank of India Titanium Card includes great features such as fuel surcharge waiver, EMI facilities, and many special travel-related benefits. Apart from this, with the Central Bank of India Titanium Card, you also get security features like travel insurance, and accident insurance, which keeps your travel and expenses safe.
In today’s article, we will discuss in detail about Central Bank of India Titanium Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of the Central Bank of India Titanium Card and will discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the Central Bank of India Titanium Credit Card?
It’s a premium credit card produced only for those who want to utilize a maximum of additional facilities on their spending, travel, and daily expenses. The Central Bank of India Titanium Credit Card awards you points for all spending surcharge waivers, and many more offers, which means enormous savings to you.
Apart from this, the CBI Titanium Credit Card also gives you security like accident insurance and travel insurance. With a small annual fee and easy application process, the Titanium Credit Card facilitates your cashless transactions and makes them rewarding.
What is the design of the Central Bank of India Titanium Credit Card?
The Titanium Credit Card has been designed with a highly contemporary and sleek appearance. It has a dark blue background upon which a trendy wave pattern has been printed, thus giving it a high-end feel. The bank’s logo is in the top left corner, whereas its payment network has been indicated at the bottom using the RuPay logo.
The card details like the name and number of the cardholder are well printed in white, thus legible. The card is mostly professional and classy in appearance, suitable for everyday use.
What are the benefits of the Central Bank of India Titanium Credit Card?
Credit Card comes with some features that reward your spending:
Key Features:
- Welcome Benefits – Receive reward points on the initial transaction.
- Reward Points – Receive 1 reward point for every ₹100 in merchant transactions.
- Fuel Surcharge Waiver – Receive a 1% fuel surcharge waiver in fuel transactions done in India.
- Contactless Payments – Pay easily and securely with a tap-and-pay facility.
- Easy EMI Conversion – Repay big ticket spends as low EMIs.
- Accepted Everywhere – Use your card and the RuPay network of millions of merchants and online portals anywhere.
- Interest-Free Period – Get interest-free for up to 50 days on spending.
- Add-on Cards – Avail add-on cards for family members.
What are the fees for the Central Bank of India Titanium 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 Titanium 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 Titanium 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 Titanium Credit Card?
The documents that you will have to submit to Get a Central Bank of India Titanium 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 Titanium Credit Card be used?
Here is the list of places where you can use it:
- With the Central Bank of India Titanium 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 CBI Titanium Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Titanium 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 Titanium Credit Card?
The credit amount you can spend is what you are provided with a CBI Titanium 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 Titanium 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 Titanium Card.
- Just hover your cursor on the Central Bank of India Titanium 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 CBI Titanium Credit Card.
- Request for the credit card application form for the Central Bank of India Titanium Credit 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 is 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 Central Bank of India Titanium 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 Titanium Credit Card in 2025 be right?
Yes, getting a Central Bank of India Titanium 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 Titanium Credit Card is a great option for those who want to earn maximum rewards on their everyday purchases and expenses. Central Bank of India Titanium Card not only provides you with the convenience of shopping but also rewards you with points and deals on every purchase. Wherever you refuel at a petrol pump, buy things online, or book a trip, you get great discounts and awesome services with the Central Bank of India Titanium Credit Card.
The biggest feature of the credit card is its general-purpose usage and security features. Features like travel insurance and accident insurance make it all the more attractive, making your spending not only lucrative but safe. Fuel surcharge waiver, EMI facility, and discounts on various offline as well as online platforms make it even more convenient.
Central Bank of India Titanium Credit Card’s annual charge is also very minimal so it is an inexpensive card. Its application procedure is also easy and fast so you can easily obtain a Titanium Credit Card. If you have a good credit report and you are a person having a regular income, then the Central Bank of India Titanium Card can be a wonderful companion for your financial needs.
Frequently Asked Questions (FAQ’s)
Ans: Yes, with the Titanium Credit Card you get security features like travel insurance and accident insurance, which secures your travel and expenses.
Ans: Yes, with the Titanium Credit Card you can convert big spending into EMIs, so it would be simple for you to manage your expenses.
Ans: You can redeem the reward points that you earn on different shopping, travel, etc. modes. For this, you have to follow the rules made available by the bank.
Ans: Yes, the Titanium Credit Card can be used abroad as well, so you can use it while traveling or making purchases abroad.
Ans: Yes, the Credit Card gives you exclusive discounts and offers on shopping websites online, hence helping you save.
