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Central Bank of India
Central Bank of India RuPay Select Credit Card
RuPay
Central Bank of India RuPay Select Credit Card
Central Bank of India's step-up RuPay card (issued directly by the bank on the NPCI RuPay platform, not SBI Card), pairing modest fees with quarterly domestic lounge access and capped 5% cashback on dining and utilities.
Rates and fees last verified 14 September 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
3%
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
- 2 complimentary domestic lounge visits per quarter (11+ cities); paid international lounge access in 300+ cities
- Personal accident insurance cover of ₹10 lakh (death and permanent total disability)
- 24x7 concierge service for hotel, car rental, dining and travel bookings
Pros
- + Domestic lounge access included
- + ₹10 lakh accident cover
- + Welcome vouchers from Croma and Apollo Pharmacy
Cons
- − Requires an existing Central Bank of India account
- − 5% cashback capped at just ₹50/month per category
- − No stated annual-fee waiver on spend
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.