Central Bank of India Debit Card – Explore Features & Apply Easily

Assume you are in another city and need cash or payment. With a Central Bank of India Debit Card, it is only a few clicks away. 

Let's see how

• ATM Withdrawal: If you withdraw ₹10,000 from an ATM, and if the ATM belongs to the Central Bank of India, it is for free. But if you withdraw from an ATM belonging to a different bank, you will have to pay ₹20 for the same.
  
  
• Shopping: You buy something worth ₹5,000 while shopping online. Using the RuPay Platinum Debit Card, you can spend money both within your country as well as outside your country.
  
  
• Rewards: You also earn reward points on every purchase which you can use to purchase products or discounts.

With its facilities like cashback, free airport lounge membership, and insurance coverage, the Central Bank of India Debit Card makes finance easy, secure, and lucrative.

Motive of Central Bank of India Debit Cards

A Central Bank of India debit card allows you to spend and withdraw from your bank account at POS terminals and ATMs with a PIN. It offers benefits like free airport lounge entry, reward points, discounts, and cashback. You can apply online or branch-wise.

What is a Central Bank Of India Debit Card

Central Bank of India debit card is a debit card through which you can make use of your bank account and withdraw or buy using your debit card PIN from point-of-sale (POS) machines or automated teller machines (ATMs).

• Usage: The card may be utilised for making purchases, allowing you to withdraw money from a machine, buy from retail outlets, and pay via the Internet.
  
  
• Types of Cards: Central Bank of India has some of its debit cards such as RuPay Select Wellness, RuPay Platinum, RuPay Classic, and CBI Visa Platinum, which have varying features and benefits.

• Benefits: Central Bank of India debit cards have several advantages such as cash back, discounts, association with business houses, free airport lounge access, and reward points on spend.
  
  
• Security: They are protected by a PIN, and a few of them have extra security features like zero liability protection, fuel surcharge rebates, and SMS alerts for transaction notices.

• Application: Application for debit cards can be made either by online application or office visit of the Central Bank of India branch.

Top Central Bank of India Debit Cards 2025

RuPay Select Wellness Card:

RuPay Platinum Debit Card:

RuPay Classic Debit Card:

CBI Visa Platinum Card:

Business Card:

1. RuPay Select Wellness Card

The RuPay Select Wellness Card of the Central Bank of India provides high-end benefits such as gym and wellness centre access, special offers, concierge service, and lounge access at airports. It also includes personal accident insurance, so it is a good option for health and travel convenience.

Benefits and Features of RuPay Select Wellness Card

Here's the simplified version of the features and benefits of the Central Bank of India's RuPay Select Wellness Card, organised in a table:

Fees and Charges on RuPay Select Wellness Card

Here's information about the fees and charges for the Central Bank of India's RuPay Select Wellness Card in a table:

2. RuPay Platinum Debit Card

The RuPay Platinum Debit Card of the Central Bank of India is more than just a standard debit card with additional benefits such as increased transaction amounts, insurance cover, airport lounge access, and reward points for each transaction, making it a perfect pick for increased convenience and security.

Features and Benefits of RuPay Platinum Debit Card

Here’s the information about the features and benefits of the Central Bank of India RuPay Platinum Debit Card in a table:

Fees and charges on RuPay Platinum Debit Card

The Platinum Debit Card has an issuance fee of ₹500 and an annual fee of ₹500.

3. RuPay Classic Debit Card

Benefits and features of RuPay Classic Debit Card

Here’s the simplified version of the Central Bank RuPay Classic Debit Card features in a table:

4. CBI Visa Platinum Card

The CBI Visa Platinum Card of the Central Bank of India provides a ₹1 lakh daily ATM withdrawal limit within India and ₹50,000 overseas. It provides a purchase limit of ₹2 lakh locally and ₹1 lakh overseas, which is an extremely handy card to use for domestic and international transactions.

Benefits and Features of CBI Visa Platinum Card

Here’s information about the CBI Visa Platinum Card features in a table

Fees and Charges on CBI Visa Platinum Card

Here’s a breakdown of the fees and charges for the Central Bank of India Visa Platinum Credit Card in a table:

5. Business Card

The RuPay Business Platinum Debit Card of the Central Bank of India provides worldwide purchase facilities, purchase protection, and accidental death and air accident cover. You can also maintain business and personal accounts separately using this card, giving you an added level of convenience and security for business transactions.

Features and Benefits of RuPay Business Platinum Debit Card

Here’s the simplified breakdown of the Central Bank of India’s RuPay Business Platinum Debit Card in a table:

Fees and Charges on RuPay Business Platinum Debit Card

The Platinum Debit Card has an issuance fee of ₹500 and an annual fee of ₹500.

Eligibility to apply for a Debit Card in the Central Bank of India

• Available under the Swadeshi RuPay platform of NPCI.
• Open to all current and savings account holders.
• Available for customers aged 10 to 18 years.

Documents Required to Apply for a Debit Card in Central Bank of India

To apply for a debit card, you typically have to submit these documents

• Identity Proof: Passport, driving license, or voter ID card
• Address Proof: Proof of address that corresponds with your identity document
• PAN Card: PAN card is necessary for identification
• Photos: Two recent passport photos
• Form 16: If you do not possess a PAN card, you might be required to submit Form 16

How to change the Central Bank of India Debit Card Withdrawal Limit?

To modify your Central Bank of India debit card withdrawal limit, you can do so using Mobile Banking (Cent Mobile) or Net Banking through the following steps:

1. Using Mobile Banking (Cent Mobile)

1. App: Download the ‘Cent Mobile’ app from the Google Play Store or Apple Play Store.
2. Log in: Install the application on your device and log into the app.
3. Select Card: Select the ‘Card’ option.
4. Debit Card Control: Choose the ‘Debit Card Control’ option.
5. Modify Limit: Click on the ‘Modify Limit’ option.
6. Select Transaction Type: Select if it's domestic or international usage.
7. Set Limits: Set the ATM withdrawal limit, POS purchase limit, and online shopping limit.
8. Submit: Click on ‘Submit’ to update the changes.

2. Through Net Banking

1. Website: Visit the official net banking website of the Central Bank of India.
2. Log in: Log in to your Net Banking account.
3. Debit Card Services: Go to the ‘Debit Card Services’ option.
4. Card Controller Services: Choose ‘Debit Card Controller’ or ‘Card Controller Services.’
5. Action: Select the ‘Action’ option.
6. Select Transaction Type: Choose whether it's domestic or international use.
7. Set Limits: Establish your desired ATM withdrawal limits, POS transaction limits, and e-commerce limits.
8. Update: Press ‘Update’ to update the changes.

ATM Transaction Charges in Central Bank of India

Here’s information about the ATM charges for the Central Bank of India in a table format:

Customer Care Services related to Debit Cards in Central Bank of India

For any problem associated with your Central Bank of India debit card, you can approach customer care with the following information:

Toll-Free Number: 1800 22 1911

Email:

debitcard_os@centralbank.co.in

debitcard@centralbank.co.in

Other Phone Numbers

• Failed or Disputed Transactions: 022-49197318
• Insurance cover on the debit card: 022-49197320
• Lost Debit Card or Unauthorised Transactions: Call 1800 22 1911 to freeze your card.
• Unfreezing/Unblocking Your Account: Approach your Home Branch.
• Check ATM Card Status: Call toll-free number 1800 22 1911.
• Tracking ID: Get in touch with your Home Branch.

The following contact channels are provided at your convenience should you require assistance with your debit card.

Conclusion

The Central Bank of India Debit Card provides you with a safe, easy, and rewarding way to take control of your money. Be it withdrawing money from ATMs, shopping online, or accumulating reward points, it gives you multiple advantages. Be it cashback, free access to airport lounges, or insurance coverage, it simplifies daily transactions and makes them rewarding. 

With RuPay Select Wellness, RuPay Platinum, and CBI Visa Platinum cards as options, you can pick the one that is most convenient for you. And, applying for a debit card is easy, either online or in-branch. Get control of your money with ease using a Central Bank of India Debit Card!

FAQs related to Debit Cards in the Central Bank of India

Q1: What is the daily cap for a Bank of India Visa Classic Debit Card?

The Bank of India Visa Classic Debit Card provides a daily cash withdrawal limit of ₹15,000 and a daily purchase limit of ₹50,000 for both domestic and international transactions.

Q2: How many free ATM withdrawals are allowed at the Central Bank of India?

Under the Reserve Bank of India's new guidelines, account holders of most banks, including the Central Bank of India, can have a maximum of five free ATM withdrawals per month. Both financial and non-financial services are covered under the five free transactions.

Q3: How many free ATM transactions are allowed in the Central Bank of India?

As per the Reserve Bank of India's updated guidelines, customers of most banks, including the Central Bank of India, are allowed up to five free ATM transactions per month. These five free transactions cover both financial and non-financial services.

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