Central Bank of India MasterCard Titanium
CancelFree for life, with a lounge — and a rewards programme nobody ever put a price on.
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 #1099
Why #1099 A free card with lounge access, which is a sentence almost nothing on this board can say. The catch is everything else: the lounge list was never published and the points had no rupee value. Carried for the record.
The take
The Titanium was Central Bank of India's mid rung and the cheapest card on any shelf this desk carries that opened a lounge door: issuance NIL, annual fee NIL, and a benefits block whose first line reads "Complimentary Airport Lounge access at select Airports across India". The income bar was ₹1.5 lakh a year — the same as the Visa Gold below it — so the lounge was the entire difference between the two cards, and it cost nothing. What the bank never did was publish the lounge list. "Select airports" is the whole of it; there is no annexure, no quota, no visit cap anywhere in the product page or the shelf-wide Schedule of Charges, and the portal that would have carried an update is gone. So the benefit is real and documented and completely unquantified, which is a fair summary of this card generally. It paid into Anmol Rewardz at the same flat rate as the Gold and the Platinum, on a programme with no published rupee value and no exit into anything that flies. The rest is a competent free PSU card of its decade: up to 55 days interest-free, a free add-on, e-statements, auto-debit, SMS alerts on every transaction and 24×7 customer care. Revolving cost was 2.99% a month, 35.9% a year, and the fuel surcharge was charged in full at 2.5% — the World above it was the only card on the shelf that waived it.
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
- Complimentary airport lounge access at select airports across India — on a card with no annual fee
- No issuance fee and no annual fee, on the bank's own shelf-wide schedule of charges
- Add-on card free, and up to 55 days of interest-free credit
- Income bar of ₹1.5 lakh a year — the same as the Visa Gold, which had no lounge at all
- SMS alerts on every transaction, e-statements and 24×7 customer care
Watch out
- WITHDRAWN — Central Bank of India's own credit-card portfolio is closed; the bank sells SBI Card co-brands instead
- The lounge list was never published — 'select airports across India' is the entire disclosure, with no visit cap stated
- No accrual value is carried here: the card paid in Anmol Rewardz, which this desk does not model as a currency
- The 2.5% fuel surcharge was charged in full; only the World card above it waived one
- Revolving cost was 2.99% a month — an APR of 35.9%
- Foreign currency carried a 3.5% mark-up, the India-standard rate of the period
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 MasterCard Titanium Credit Card page (archived 01-Sep-2019) — the complimentary lounge access, the NIL issuance fee and the ₹1.5 lakh income bar
- official Central Bank of India's shelf-wide Schedule of Charges (archived 31-Oct-2020) — NIL issuing and NIL annual fee for the Titanium, against ₹500 for the World card beside it
- 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