Central Bank of India Visa Platinum
CancelIndia's first PSU Visa Platinum — and the one card here where the tier bought nothing.
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 #1101
Why #1101 The bank's first Visa Platinum — a genuine first for an Indian public-sector bank, and by the last published schedule a card that asked for a ₹5 lakh income, gave nothing the free Gold below it did not, and charged a higher revolving rate for the privilege.
The take
The bank put its own claim at the top of the page and it is worth repeating: "Our Bank is the First Indian Public Sector Bank to launch Visa Platinum Credit Card." That is a real piece of Indian card history, and it is the most interesting thing about the product. Put the Visa Platinum next to the Visa Gold one rung below and the benefit blocks are identical, line for line: the same Verified by Visa OTP security, the same up-to-55-days interest-free window, the same free add-on, the same e-statements and auto-debit and per-transaction SMS alerts, the same 24×7 customer care, the same single loyalty line into Anmol Rewardz at the same rate. Both cards cost nothing to take and nothing to keep. What changes between them is what you have to earn and what you pay to revolve. The Gold asks for a gross annual income above ₹1.5 lakh; the Platinum asks for above ₹5 lakh. And the Platinum's revolving rate is 2.99% a month against the Gold's 2.75% — so the higher tier, on the bank's own schedule, is strictly more expensive to carry a balance on and strictly harder to qualify for, in exchange for a different word on the plastic. The Titanium beside it, at the same ₹1.5 lakh income bar as the Gold, is the card that actually bought something: lounge access.
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
- The first Visa Platinum credit card issued by an Indian public-sector bank, by the bank's own claim
- 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
- Verified by Visa with a one-time password generated for every online transaction
- 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
- NO lounge access — that was the MasterCard Titanium, which was also free and asked a third of the income
- The income bar was above ₹5 lakh, against ₹1.5 lakh for the identically-equipped Visa Gold
- Revolving cost was 2.99% a month against the Gold's 2.75% — the higher tier cost more to carry
- 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 on this shelf waived one
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 Platinum Credit Card page (archived 01-Sep-2019) — the NIL issuance fee, the ₹5 lakh income bar and the 2.99% monthly revolving rate
- official Central Bank of India's shelf-wide Schedule of Charges (archived 31-Oct-2020) — NIL issuing and NIL annual fee for the Platinum, and a revolving rate quoted per card
- 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