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Central Bank of India
Central Bank of India Aspire Credit Card
Visa
Central Bank of India Aspire Credit Card
A secured Visa Platinum card Central Bank of India issues against its Cent Aspire term deposit product, offering a credit limit of up to 80% of the deposit. It's a straightforward FD-backed card for customers who already hold a Cent Aspire deposit and want a basic, no-fee credit card.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 600+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛡️ Insurance
Personal accident cover of up to Rs.1 lakh under group insurance.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 600
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3% p.a.
Benefits
- Personal accident cover of up to Rs.1 lakh under group insurance.
- Credit limit up to 80% of the Cent Aspire Term Deposit amount, up to Rs.4 lakh.
Pros
- + No joining or annual fee
- + Credit limit up to 80% of the linked term deposit
- + Accessible even without prior credit history
- + Basic personal accident cover
Cons
- − Requires opening a Cent Aspire term deposit first
- − Rewards are minimal
- − Credit limit capped at Rs.4 lakh