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.

Apply for Best Credit Cards with Deal4loans Network

Professional Details
Annual Income:

Occupation :

Salary/Current Account:
select multiple Banks if more than one Bank Account.



  • 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.


You might find these relevant:

Disclaimer: This information is sourced from Bank's Website to help customers to gain information on Banks product.
    Home     Product Articles    Help Articles     Advertise With Us    Site Map     Terms of Use     Testimonials     Privacy Policy  Do Not Disturb
Disclaimer: Information is sourced from respective Banks websites. We don't provide Loans on our own but ensures your information is sent to bank/agent which you have opted for. We don't do short term loans. Deal4loans has no sales team on its own and we just help you to compare loans .All loans are on discretion of the associated Banks/Agents. Read More
© Copyright 2015, Deal4loans, India
Address: E-32, Ground Floor, Sector - 8,
Noida, Uttar Pradesh, India - 201301
Phone: 1800 3000 1500