All cards / Central Bank of India
Central Bank of India RuPay Business Credit Card
A business-focused RuPay card from Central Bank of India for MSME current account holders, with turnover-linked higher limits.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Foreign currency markup: 3%
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly.
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- Enhanced limits for business current account customers
- 1 point per ₹100 spent, redeemable against statement credit or vouchers
Pros
- + Turnover-linked higher credit limits
- + Flat rewards on all spend
- + Fuel surcharge waiver
Cons
- − Only for self-employed/business applicants
- − No dedicated business-expense reward categories
- − Higher fee than the Classic variant