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Frequently Asked Questions


What is a Central Bank of India MasterCard® Prepaid Card?

A Central Bank of India MasterCard® Prepaid Cards is a payment card preloaded with a designated value that can be used at merchants where MasterCard is accepted for electronic transactions. Because the card is prepaid, spending on it is limited to the amount of money loaded on the card when it was purchased. Central Bank of India has launched several prepaid cards with different features. More information on the cards is available at www.centprepaid.cardbranch.com

Are these credit cards?

No. Central Bank of India prepaid cards have a prepaid value so spending on it is limited to the amount that was loaded onto the card at the time it was purchased. There is no credit facility on a prepaid card.

Where can I get a Central Bank of India Prepaid Card?

Central Bank of India Prepaid Cards are for sale in select Central Bank of India bank branches. These cards can also be ordered online (additional charges may apply), subject of availability.

How much money can you load onto a Prepaid Card?

CentGift CardBetween Rs 500 to Rs 50,000
CentYatra CardBetween $100 to $10,000
Student CardBetween Rs 500 to Rs 50,000
Virtual CardUp to Rs 5,000

Who can buy or receive a Central Bank of India Prepaid Card?

These cards are available for purchase to anyone. To comply with Financial Services regulation in India personal identification will be required from the purchaser of the card. The purchaser of the card does not need to be a customer of the Central Bank of India.

What are acceptable forms of identity verification?

To complete successful identity verification the card purchaser must be able to verify their identity, signature and address. A range of documents are acceptable to achieve this.

Where can Central Bank of India Prepaid Cards be used?

Central Bank Prepaid Cards can be used at any merchant where MasterCard is accepted - in store, online, over the phone and at ATMs. CentYatra Cards cannot be used in India, Nepal and Bhutan. CentGift and virtual cards cannot be used at ATMs. For detailed Terms and Conditions visit "www.centprepaid.cardbranch.com"

Can I withdraw cash?

CentGift CardNo
CentYatra CardYes (outside of India, Nepal, Bhutan)
Student CardYes (in India)
Virtual CardNo

Can I withdraw cash?

Prepaid Card ATM Use Online Use Online access
CentGift CardNot applicable No Yes
CentYatra CardYes No Yes
Student CardYes No Yes
Virtual CardNot applicable No Yes

How do you make purchases online and over the phone with a Prepaid Card?

You will be asked for the card number, expiry date and CVV2. The card's CVV2 number is the last three numbers on the signature strip on the back of the plastic card.

What happens if I want to purchase something that costs more than I have left on my card?

You will need to ask the merchant if you can use your card for part of the payment and pay the remainder using another payment method. If you try to make a purchase that costs more than the available balance left on your card, your transaction will be declined.

Are there any fees to use a Central Bank of India Prepaid Card?

No, there are no fees to make a purchase with your Prepaid Card.

Can a Central Bank Prepaid Card be reloaded?

CentGift CardNo
CentYatra CardYes
Student CardYes
Virtual CardNo

What happens if a Central Bank Of India Prepaid Card is lost or stolen?

Your Central Bank of India Prepaid Card is like cash so keep your card safe at all times. Please report your stolen card immediately and block it to avoid misuse.

What should I do to dispute a transaction on a Central Bank of India Prepaid Card?

If you have any concerns about a transaction on your Central Bank Prepaid Card, you should in the first instance contact the merchant directly to resolve the issue. If you are unable to resolve the issue with the merchant please contact customer service. Please note, all transactions on the prepaid card are the sole responsibility of the cardholder.

Does my Central Bank of India Prepaid Card expire?

Yes. Every card has an expiry date printed on the front in a MM/YY format.

Can unused funds be redeemed?

CentGift CardNo
CentYatra CardYes
Student CardYes
Virtual CardNo

Can funds be redeemed after a Central Bank of India Prepaid Card expires?

No. We suggest the card holder uses all funds available before the card expires.

Can more money be added to a Central Bank Prepaid Card?

CentGift CardNo
CentYatra CardYes
Student CardYes
Virtual CardNo

Do cards need to be activated before they can be used?

Cards purchased in branch will be activated within 24 hours of purchase. Virtual cards are available for use instantly.

Who is enStage?

enStage is a global payment solutions company. enStage provides end to end payment solutions to a wide range of customers in India and abroad. enStage designs, markets and distributes a range of prepaid MasterCard and Visa cards designed to meet the needs of consumers. For more information on enStage log on to www.enStage.com or www.cardbranch.com.

What does enStage have to do with the Central Bank of India Prepaid Cards?

enStage is the program manager behind the Central Bank of India Prepaid Cards. enStage provides prepaid processing, marketing, sales and support services to Central Bank of India. For more information log on to www.centprepaid.cardbranch.com