Aspire Credit Card – Central Bank of India

Central Bank of India Aspire Credit card offers best features with nil joining fees. New Aspire Credit card offers maximum credit limit of 5 lac.

Card offers: Credit Period of maximum 55 days, secured by Term Deposits of the Bank, lowest interest rate of 1.20%, 100% cash withdraw facility etc.

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  • Aspire Credit Card is EMV Chip Based VISA Platinum Credit Card.
  • The income statement is not a prerequisite document.
  • International Acceptance
  • Personal Accident Cover (against death) for Aspire Credit Card holders of the Bank under Group Insurance Scheme. Sum Insured is Rs. 1,00,000/- (Rupees one lac only) per credit card holder.
  • Premium VISA offers across movies, dining and travel will be loaded on the card.


  • Any individual / customer of bank, above the age of 18 years, holding term deposits with our bank is eligible. Such customer may be an existing deposit holder or may open a new term deposit account with our bank.
  • Minimum Credit Limit: Rs. 16,000/-
  • Maximum Credit Limit: Rs. 400,000/-
  • Term deposits to be placed under lien shall be for a minimum period of 12 months. In case of existing terms deposits, the residual period should be of atleast 12 months.
  • Maximum 5 Term Deposit receipt can be clubbed for a credit card account.
  • Aspire Credit Card will have maximum validity period of three (3) years.
  • All KYC documents including PAN card along with the following documents are necessary:
  • - Demand Promissory Note (DP Note)
  • - Letter of Continuity
  • - Letter of Waiver
  • - Letter of Lien
  • - Term Deposit (Original) on which lien is created.
  • - Mandate for Auto renewal & pre-mature adjustment of proceeds of term deposit/s.



Entrance Fee/ joining Fee Nil
Annual Fees Rs. 500/-
Annual Fees for “add – on” card Rs. 500/-
Card Renewal Fee Nil
Free Credit Period Maximum Up to 55 days
Service (Finance)  charges on extended credit remaining unpaid beyond due date 1.2% per month (Annual 14.4%)
Minimum Payment Due (MPD) on extended credit usage 5% of the total payment due of the statement plus greater of past due or over limit due (if any). Interest will be charged on the extended credit as per T&C
Card Reinstated/ Replacement of Lost Card (within India) Rs. 100/- per card
Emergency Card Replacement (when abroad) Rs. 150/- per card
Duplicate Statement (older than 3 months) Rs. 100/- per statement
Exceeding Credit Limit (Over limit Fee) 2% over and above the sanctioned credit limit subject to a minimum of Rs. 100/-
De – blocking Charges Rs. 100/- per De – blocking
Sales/ Charge slip retrieval/ charge back processing fee Rs. 100/- per charge slip
Balance enquiry Charges Nil
Late payment fee (charged if minimum amount due does not reach Central Bank of India by payment due date) Rs. 100/- if the outstanding amount is >=    Rs. 10,000/-
For outstanding amount > Rs. 10,000, 1% of the outstanding amount
Cheque return Charges Rs. 150/- per instrument
Dishonor of ECs/ Auto Debit Rs. 150/- per ECS/ Auto Debit return
Duplicate statement request (beyond 3 months) Rs. 100/- per request
Cash Withdrawal Limit (against credit card account) 100% of Credit Limit sanctioned
Transaction fee for cash withdrawal at ATMs Rs. 100/-
Charges for Cash Withdrawal 2.99%
Petrol Transaction Charges 2.5% of transaction value (Plus Rs. 30/-)
Foreign currency transactions Conversion mark-up fee 3.5% of transaction value

* In addition, service tax as per Govt guidelines shall be applicable.


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