Central Bank of India Rupay Platinum Debit Card

  Central Bank of India Platinum Debit Card is designed to provide the best value for HNI customers. The reason that affluent customers have time and again chosen the Platinum Debit Card by Central Bank is because of the exclusivity. Cardholders can enjoy privileges, exclusive features and rewards.

Updated On - 06 Sep 2025
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Features and Benefits of Central Bank of India Platinum Debit Card

Acceptance: The Platinum Debit Card is accepted at millions of merchant establishments and at over 1.9 million ATM's within the country and abroad.

Shopping and withdrawal limits: The card comes with a high shopping limit of Rs.200000 per day and Cash withdrawal limit of Rs. 100000.

Zero liability: Zero liability protection ensures that you are not held responsible for any fraudulent activity on the card. This added security feature protects you against unauthorized purchases made when the card is lost, stolen or misplaced. You will get a cover of up to Rs. 100000 with this feature. The loss of the card must be reported to the officials for the cover to be effective.

Zero Fuel surcharge: When the Platinum Debit Card is used at Petrol Pumps, cardholders can avail Fuel Surcharge. On transaction between Rs. 400/- and Rs. 4000/-, the charges are waived / reimbursed.

Airport Lounge Access: On the MasterCard Variant of the card, customers can Avail free Airport Lounge Access

International transactions: International transactions made possible with the EMV option

Rewardz Points: Every time you shop (online, at Point of Sale or over the phone) using the Central Bank Debit Card, you will be earning Anmol Rewardz points. For every Rs.100/- that you spend, you will earn 1.5 Anmol Rewardz Points. The points can be collected and redeemed appealing merchandises and services.

Online Transactions: Everything from online shopping, booking movie/travel tickets, paying bills and much more can be done using the Platinum Debit Card. The 3D VBV/MasterCard SecureCode that the card is enabled with provides additional security. Transactions will need the cardholder's password to be completed.

Personal Air Accident Insurance Cover: Card Holder will be covered for Personal Air Accident Insurance Cover of Rs. 10,00,000/-.

SMS Protection: Each time a transaction is made on your debit card ,you will receive an SMS alert on your mobile phone. In case you get an SMS alerting you of a purchase that you haven't made, then you must contact the 24 hour customer service center/ any branch of the bank and report it. Once reported, the card will be blocked and the bank will send you a replacement by mail.

Issuance fee and Annual Fee: Issuance fee of Rs.500 and Annual Fee of Rs. 500 are applicable for the Platinum Debit Card.

Exclusive Offers: Platinum Debit Card holders can avail exclusive offers from a host of shopping outlets, restaurants, hotels etc. in India and abroad.

Eligibility for Central Bank of India Platinum Debit Card

To be eligible to apply for the Platinum Debit Card, one must be a HNI customer who has an account with Central Bank of India. The applicant's Average Quarterly Balance must be more than Rs. 50000 as well. Customers of the bank who have average quarterly balance that is more than Rs. 50000 can also get the card by upgrading. This can be done at any of the bank's branches.

Applying for Central Bank of India Platinum Debit Card

You can apply for the Platinum Debit Card by going to any of the branches of Central Bank of India, collecting an application form and submitting the relevant documents with the duly filled form. All HNI account holders can apply for the card. Existing customers can upgrade by applying at a branch of the bank.

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FAQs on Central Bank of India Platinum Debit Card

  • What is the Central Bank of India RuPay Platinum Debit Card?

    The RuPay Platinum Debit Card is a premium card offering enhanced shopping, dining, and lifestyle benefits, along with higher transaction limits and exclusive RuPay Platinum offers.

  • Who is eligible to apply for the RuPay Platinum Debit Card?

    Typically, the daily ATM withdrawal limit is around ₹50,000, and the POS/online transaction limit is ₹1,00,000. These may vary depending on the bank’s current policies.

  • How do I apply for the Central Bank of India RuPay Platinum Debit Card?

    You can apply online through Central Bank of India’s Net Banking platform or visit your nearest branch to fill out a debit card request form.

  • What should I do if my RuPay Platinum Debit Card is not working at POS terminals?

    Ensure your card is active and enabled for POS transactions. If issues persist, contact customer care or visit a branch to replace or troubleshoot the card.

  • Is there an annual fee for the RuPay Platinum Debit Card?

    Yes, there may be a nominal annual maintenance charge. It’s best to confirm the exact fee structure at the time of application or check the latest service charges.

  • Can I generate or change my PIN online for the RuPay Platinum Debit Card?

    Yes, you can generate or reset your PIN through Internet Banking, the Central Bank of India mobile app, or at any Central Bank ATM.

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