All cards / Central Bank of India
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.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Insurance benefits: Insurance cover of ₹2 lakh for death, personal accident and total disability.
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate (capped ₹50/monthly) · 24x7 concierge service for hotel, car rental, dining and travel bookings
- 🏨 Hotel
24x7 concierge service for hotel, car rental, dining and travel bookings
- 🛡️ Insurance
Insurance cover of ₹2 lakh for death, personal accident and total disability
- 🧾 Utilities
5% reward rate (capped ₹50/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 35.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, standard across RuPay Platinum cards.
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
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
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