Central Bank of India RuPay Platinum
CancelFree, with two 5% cashback lines that cap at ₹50 a month — and no lounge at all.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Central Bank of India publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #1100
Why #1100 The free RuPay rung, and the card that proves the Select above it was worth its ₹500: same cashback, same welcome voucher, a fifth of the insurance cover, and both lounge rows print "NA" in the bank's own benefit table.
The take
Central Bank of India was one of the first banks in the country to issue a RuPay credit card, and the Platinum was the free rung of the pair it ended up with. Nothing to take it, nothing to keep it, a ₹500 Croma gift voucher as a welcome offer with up to 15% off at Apollo Pharmacy, the RuPay insurance programme's ₹2 lakh cover for death by personal accident and permanent total disability, 24/7 concierge for hotel, dining and car-rental bookings, and two 5% cashback lines — one on utility bill payments through either online or POS terminals, one on restaurants — each capped at ₹50 a month. Read that cap properly, because it is the card: ₹50 a month on each line is ₹1,200 a year between them at the theoretical maximum, and you hit the utility cap on ₹1,000 of bills. Above that the 5% is 0%. The reason to carry this card next to the RuPay Select is what the bank's own benefit table does with its pair of lounge rows. The Select fills both of them in. On this card both read, in full, "NA". That is an unusually honest piece of product copy for the period, and it makes the upgrade legible rather than foggy: what the Select's fee bought was airport lounge access on both sides of the border, and an insurance cover of ₹10 lakh in place of this card's ₹2 lakh.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Central Bank of India publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- No issuance fee and no annual fee, on the bank's own published fee table
- ₹500 Croma gift voucher as a welcome offer, plus up to 15% off at Apollo Pharmacy
- 5% cashback on utility bills and 5% on restaurants — each capped at ₹50 a month
- ₹2 lakh RuPay insurance cover for death by personal accident and permanent total disability
- 24/7 concierge for hotel, dining, car rental and consultancy bookings
Watch out
- WITHDRAWN — Central Bank of India's own credit-card portfolio is closed; the bank sells SBI Card co-brands instead
- NO lounge access — the bank's own benefit table prints 'NA' against both the domestic and international rows
- Both cashback lines cap at ₹50 a month, so ₹1,000 of utility bills exhausts one of them
- No accrual value is carried here: the card paid in Anmol Rewardz, which this desk does not model as a currency
- The insurance cover is ₹2 lakh against the RuPay Select's ₹10 lakh, on the same programme
- Revolving cost was 2.99% a month — an APR of 35.9%
What these points actually fly
Central Bank of India has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Central Bank of India retired its own credit-card programme; the card portal at ccard.centralbankofindia.co.in no longer resolves, and the bank's credit-card page now sends applicants to SBI Card.
Central Bank of India publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
1 dated change
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 1 Jan 1980Central Bank of India launches Centralcard, India's first credit cardNo Indian bank had ever issued a credit card → Centralcard live — India-only, bank-issued credit
In 1980 the Central Bank of India launched Centralcard, the first credit card issued by an Indian bank — usable only within India. Awareness was thin, telecom authorisation infrastructure thinner, and uptake glacial. But a public-sector bank had put revolving credit on plastic, and Indian banking never walked it back.
Verified against Central Bank of India's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official Central Bank of India's RuPay Platinum Credit Card page (archived 01-Sep-2019) — the nil issuance and annual fees, the two ₹50-a-month cashback caps, and "NA" against both lounge rows
- official Central Bank of India's Credit Card Variants page (archived 01-Sep-2019) — the bank's own seven-card shelf, two RuPay rungs deep
- official Central Bank of India's credit-card page as it stood in 2021 — the bank's own shelf replaced by SBI Card co-brands, with legacy holders sent to a separate section