Central Bank of India RuPay Select
CancelTwo domestic lounges a quarter and four international a year, for ₹500, from a PSU bank.
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 #1098
Why #1098 The one Central Bank card with a published, countable lounge quota on both sides of the border — two domestic visits a quarter and four international a year, off NPCI's Select programme, for ₹500. Carried and not valued: the points had no published rupee value.
The take
RuPay Select is NPCI's top consumer tier and Central Bank of India was one of the first banks to issue a RuPay credit card at all, which is how a public-sector bank ended up selling the most quotable lounge line on its own shelf. The product page states it plainly: domestic lounge access is "Two free access per quarter – covers 30+ lounges across 11+ cities in India", and international is "Four Free Access per year – covers 500+ Lounges across 300+ cities worldwide." That is eight domestic and four international visits a year for ₹500 — a quota that private-bank cards of the period charged four figures for. Around it sits the standard RuPay Select furniture, all of it published: a ₹500 Croma gift voucher as a welcome offer with up to 15% off at Apollo Pharmacy, the RuPay insurance programme's ₹10 lakh cover for death by personal accident and permanent total disability, 24/7 concierge covering hotel, dining and car-rental reservations, and two 5% cashback lines — one on utility bill payments, one on restaurants — each capped at ₹50 a month, so ₹1,200 a year between them at the absolute ceiling. What it did not have was a points programme worth pricing. The card paid into Anmol Rewardz, Central Bank's own catalogue, and neither the bank nor NPCI ever published what a point was worth or where one could go. That is the whole reason this card is carried rather than ranked — the lounge quota is real and countable, and the accrual is not.
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
- Two complimentary domestic lounge visits a quarter, across 30+ lounges in 11+ Indian cities
- Four complimentary international lounge visits a year, across 500+ lounges in 300+ cities
- ₹10 lakh RuPay insurance cover for death by personal accident and permanent total disability
- 5% cashback on utility bills and 5% on restaurants — each capped at ₹50 a month
- ₹500 Croma gift voucher as a welcome offer, plus up to 15% off at Apollo Pharmacy
- 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
- Both cashback lines cap at ₹50 a month, so the pair is worth ₹1,200 a year at the very most
- The ₹500 annual fee carried no published spend waiver on this card's own fee table
- No accrual value is carried here: the card paid in Anmol Rewardz, which this desk does not model as a currency
- The revolving rate reached 3.5% a month on the top late-payment bands, and late fees ran to ₹500 above ₹10,000
- The lounge quota was NPCI's, not the bank's — it moved whenever RuPay re-cut the Select programme
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
17 of 793 tracked doors
Opens 17 of 793 tracked lounge doors across 10 airports , via RuPay — see the full map →
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 Select Credit Card page (archived 23-Jul-2019) — the 2-a-quarter domestic and 4-a-year international lounge quotas, and the ₹500 issuance and annual fees
- official Central Bank of India's Credit Card Variants page (archived 01-Sep-2019) — the bank's own seven-card shelf, with RuPay Select at the top of the RuPay rung
- 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