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Central Bank of India
Central Bank of India RuPay Platinum Credit Card
RuPay
Central Bank of India RuPay Platinum Credit Card
A genuinely zero-fee entry RuPay card from Central Bank of India — no lounge access, but capped 5% cashback on dining and utility bills plus basic accident cover.
Rates and fees last verified 14 September 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Utilities5% (capped ₹50/monthly)
- Dining5% (capped ₹50/monthly)
Eligibility
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- ₹500 Croma gift voucher plus 15% off coupon at Apollo Pharmacy
- Insurance cover of ₹2 lakh for death, personal accident and total disability
- 24x7 concierge service for hotel, car rental, dining and travel bookings
Pros
- + Zero joining and annual fee
- + 5% cashback on dining and utilities (capped)
- + Wide RuPay acceptance including UPI-linked spend
Cons
- − No lounge access
- − Flat 1 point/₹100 base reward rate is low
- − Requires an existing Central Bank of India account
Applying takes you to Central Bank of India's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.