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Central Bank of India Debit Cards - Benefits & Charges

The Central Bank of India Debit Card features a high withdrawal cap, makes transactions simple, and guarantees the security of all transactions.

Updated On - 05 Sep 2025
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The Central Bank of India was established in 1911, making it the country's first wholly owned and operated commercial bank. Due to their issuance on the Visa and MasterCard networks, Central Bank of India debit cards are accepted at many merchant locations. 

The Central Bank of India Debit Card features a high withdrawal cap, makes transactions simple, and guarantees the security of all transactions. Debit cards, also known as plastic money, are preferred over cash for their convenience as the cardholders can shop cashlessly and easily pay bills. Debit cards offer numerous perks like cashbacks, discounts, partner tie-ups, airport lounge access, and reward points. Here are more details about Central Bank of India debit cards.

Types of Central Bank of India Debit Cards

Central Bank of India offers five major debit cards. The features and benefits of the debit cards are as described below:

  1. RuPay Select Wellness Card
  1. RuPay Platinum Debit Card
  1. RuPay Classic Debit Card
  1. Business Card
  1. CBI Visa Platinum Card

Central Bank Rupay Select Wellness Card

  1. The Central Bank Rupay Select Wellness Card is operational both domestically and internationally.
  2. The daily transaction limit for this card is up to Rs.2 lakh.
  3. The card also provides a personal accident cover of up to Rs.10 lakh.
  4. Customers of Central Bank Rupay Select Wellness card can enjoy the benefits of spa services, gym, golf, and health checkups.
  5. The card also offers airport lounge facilities.
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Central Bank Visa Platinum Debit Card

  1. Domestic ATM transaction limit per day is up to Rs.1 lakh
  1. International ATM transaction limit per day is up to Rs.50,000
  1. The Central Bank Visa Platinum debit card is operational in India as well as outside of India.
  2. The daily domestic POS or Ecom transaction limit of Central Bank Visa Platinum Debit Card is Rs.2 lakh.
  1. The daily international POS or Ecom transaction limit of Central Bank Visa Platinum Debit Card is Rs.1 lakh.
  1. Allowable cash withdrawal at ATM limit per day is five.

Central Bank Rupay Platinum Debit Card

  1. The card can be used both internationally as well as domestically.
  2. The daily transaction limit for the Central Bank Rupay Platinum debit card is Rs.2 lakh per card.
  3. The Rupay Platinum debit card also provides a personal accident cover of up to Rs.10 lakh.
  4. Cardholders of Rupay Platinum debit card also have access to airport lounge facilities.
  5. Cardholders of Central Bank Rupay Platinum Debit Card will get Anmol Reward Points for all shopping transactions.
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Central Bank Rupay Classic Debit Card

  1. The card can be used for both domestic and international transactions.
  2. The daily transaction limit for the Central Bank Rupay Classic debit card is Rs.1 lakh.
  3. Cardholders of Central Bank Rupay Classic Debit Card will get Anmol Reward Points for all shopping transactions.

Central Bank Rupay Business Debit Card

  1. It has Lounge Access for both Domestic (2 per Quarter) and International (2 per Annum)
  1. It offers Air Accident Coverage up to Rs. 20 Lakhs and Insurance coverage upto Rs. 10 Lakh
  2. The card also offers purchase protection coverage and return of Mortal remains of Rs.2 lakh each.
  3. The card provides common carrier lost baggage coverage of Rs.20,000

Fees and Charges of Central Bank of India Debit Card

Type of Transactions

Charges

Card Fee 

Rs.499

Renewal Fee

Rs. 250

ATM Cash withdrawal limit (Domestic)

Rs.1 Lakh

ATM Cash withdrawal limit (International)

Rs. 75,000

E-commerce/POS limit (Domestic)

Rs.3 Lakh

E-commerce/POS limit (International)

Rs.3 Lakh

Benefits of Central Bank of India Debit Cards

The following is the list of eligibility criteria to avail various benefits Central Bank of India debit cards: 

  1. SMS alerts and notifications are sent to the cardholder’s registered mobile number after every transaction.
  2. Anmol Rewardz points are offered to the customer with every POS transactions, online purchases and phone purchases. Cardholders can easily redeem the points against a variety of exciting offers.
  3. Central Bank of India Debit Cards comes with personal death accident insurance covers.
  4. Central Bank of India also offers a choice of debit cards to suit different requirements of customers.
  5. Central Bank of India debit cards can be used for a variety of purposes like ATM withdrawal, POS transactions, utility bill payments and also to make online purchases.
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How to Set a Limit on your Central Bank of India Debit Card

One can set a limit on their Central Bank of India debit card through mobile banking and through net banking. The steps for both ways are given below -

Mobile Banking -

Step 1: Open the Cent mobile app on your phone.

Step 2: Next, select your card on the app.

Step 3: Then you have to choose the ‘Debit card control’ and change the limit of your debit card.

Step 4: Lastly, click on the ‘Submit’ button.

Net Banking -

Step 1: Log into your net banking account and click on the ‘Debit Card Services.’

Step 2: Next click on the ‘Card Controller Services’ and then on ‘Action.’

Step 3: Then you have to select the transaction type and set a limit for your debit card.

Step 4: Lastly, click the ‘Submit’ option.

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Green PIN Generation for Central Bank of India Debit Card

Central Bank of India offers its customer to generate green pin. Follow the steps mentioned below to generate such pin -

Step 1: Go to your nearest Central Bank if India ATM.

Step 2: Insert your new debit card in the card slot.

Step 3: Out of all the option, select the ‘Green PIN’ option.

Step 4: Next choose the ‘OTP Generation’ option.

Step 5: You will be asked to enter your registered mobile number. Once you enter and click the submit button, the OTP will be sent to your registered mobile phone.

Step 6: After entering the OTP, you can set the pin for your ATM card.

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FAQs on Central Bank of India Debit Card

  • What is hotlisting of debit cards? Is this facility offered by the Central Bank of India?

    If a customer loses his debit card, a request for hotlisting the debit card can be made and the card will be blocked. Central Bank of India offers hotlisting facility where the customer has to just send a message to the bank’s number and the card will be blocked.

  • What is a EMV chip debit card?

    EMV stands for Europay, MasterCard and Visa. EMV cards come with an embedded microchips that will enhance the security of authentication process.

  • Explain the zero liability protection feature that comes with Platinum Debit Card?

    If your card is lost or misplaced, this card will protect you against any unauthorized transactions for up to Rs.1 lakh from the date of reporting the loss of debit card.

  • How can I redeem the Anmol Rewardz points?

    You can redeem your Anmol Rewardz points that are offered on spends made using the debit card by visiting the Anmol Rewardz online portal and choosing a redemption option from an array of attractive services and merchandise.

  • What should I do if I accidentally lose or misplace my debit card?

    Contact Central Bank of India as soon as you notice the loss of your debit card. You can also hotlist the debit card by sending a SMS to Central Bank of India. Also, request the issuance of a new debit card to continue enjoying the benefits.

  • Can I get a Central Bank debit card?

    Yes, you can apply for a Central Bank debit card by visiting the nearest branch of Central Bank or through the bank’s app Cent Mobile App. 

  • Does Central Bank provide a visa debit card?

    Yes, Central Bank provides visa debit card. 

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