Central Bank of India Visa Gold
CancelFree, an income bar of ₹1.5 lakh, and the softest revolving rate on the whole shelf.
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 #1102
Why #1102 The cheapest way onto Central Bank's shelf and the cheapest revolving rate on it — 2.75% a month where every other card charged 2.99% or more. No lounge, no cover, no voucher. Carried for the record.
The take
The Visa Gold was Central Bank of India's front door: an account with the bank, a gross annual income above ₹1.5 lakh, an age between 18 and 65, and nothing to pay to take the card or to keep it. What you got was the plain machinery of a competent free card of its decade — Verified by Visa with a one-time password on every online transaction, up to 55 days of interest-free credit, a free add-on, e-statements, auto-debit, SMS alerts on every transaction and statement, 24×7 customer care, and a single line into the bank's Anmol Rewardz catalogue. The one number that makes it the best of the two free Visa cards is the revolving rate. Central Bank published a per-card rate in its Schedule of Charges and the Gold's is 2.75% a month — softer than the Titanium's and the Platinum's 2.99%, and a full 0.75 points under the World's 3.5%. Only the FD-backed Aspire beat it, at 1.5%, and that one asks you to pledge a deposit first. Everything else is an absence, and the absences are the reason this card sits where it does. No lounge — the Titanium beside it was equally free, asked the same ₹1.5 lakh income and carried one. No insurance cover. No welcome voucher. No fuel-surcharge waiver: 2.5% in full, where the World card had it waived between ₹400 and ₹4,000. And a 3.5% foreign currency mark-up, the India-standard rate of the period.
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 shelf-wide schedule of charges
- The softest revolving rate on the shelf outside the FD-backed Aspire — 2.75% a month
- Income bar of ₹1.5 lakh a year, the lowest published on the shelf
- Add-on card free, and up to 55 days of interest-free credit
- Verified by Visa with a one-time password generated for every online transaction
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 MasterCard Titanium was equally free, asked the same income and carried one
- No insurance cover and no welcome benefit of any kind
- The 2.5% fuel surcharge was charged in full; only the World card on this shelf waived one
- No accrual value is carried here: the card paid in Anmol Rewardz, which this desk does not model as a currency
- 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 Visa Gold Credit Card page (archived 01-Sep-2019) — the NIL issuance fee, the ₹1.5 lakh income bar and the 2.75% monthly revolving rate
- official Central Bank of India's shelf-wide Schedule of Charges (archived 01-Sep-2019) — NIL issuing and NIL annual fee for the Gold, and the softest per-card revolving rate on the shelf
- 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