Terms & Conditions
Central Bank of India MasterCard Commonwealth Card Terms and Conditions
The Central Bank of India MasterCard General Purpose Card (‘Card’) is issued to you by Central Bank of India (‘Bank’). In these conditions (‘you’) are the Card purchaser or user.
enStage Software Private Limited (‘enStage’), as our authorised representative has developed and promoted the card in conjunction with Central Bank of India. If you acquire the Card you will have a contract with the Central Bank of India.
- By signing the back of the Card, or by using the Card, you agree to be bound by these Terms and Conditions. The Card must be signed before use. You must give these conditions to the user of the Card if that is not you. The Card remains the Bank’s property
- The Card is a MasterCard Prepaid card that can be used for purchase of goods and services where MasterCard Prepaid cards are accepted for electronic transactions and transactions at ATMs. The Card is not a credit card and nor is it linked to a deposit account with the Bank. Some merchants may choose not to accept MasterCard Prepaid cards
- The Card can be used at any ATM where MasterCard Prepaid cards are accepted for cash withdrawal and balance enquiry. Charges may be levied for all transactions tried/ attempted at ATMs. Please refer the Website for a detailed schedule of charges
- Card activation will happen automatically (usually within 24 hours of Card purchase) for cards purchased from a branch of the Bank. Cards purchased via other methods may need to be activated at www.centprepaid.cardbranch.com (‘Website’) or by calling a Card Activation number as mentioned in the Welcome Kit
- The Card cannot be used to make transactions that exceed the available balance. For such a transaction, you need to pay the difference by another method if the merchant agrees
- The Card is reloadable. It is valid until the expiry date shown on the front of the Card and cannot be used after expiry
- The Card cannot be used to obtain or redeem cash and cannot be used for making direct debit, recurring, or regular instalment payments. Authorisations may be declined at some merchants (such as gambling merchants)
- The Card is not like cash and cannot be replaced if misused, lost, stolen, or damaged. You are responsible for all transactions on the Card. If you notice any error relating to the Card, you should notify Cardholder Services immediately on 1800 102 2368 or write to us at [email protected] or at the Website
- If you have a problem with a purchase made with the card, or a dispute with a merchant, you must deal directly with the merchant involved. If you cannot resolve the dispute with the merchant, you can contact enStage at the Website or Cardholder Services at 1800 102 2368
- The Bank may restrict or stop the use of the Card if suspicious activities are noticed
- Any refunds on Card transactions are subject to the policy of the specific merchant. Refunds may be in the form of a credit to the Card, cash refund or in-store credit. If the Card expires or is revoked before you have spent any funds resulting from a refund (whether or not the original transaction being refunded was made using the Card) then you will have no access to those funds
- You are responsible for checking your transaction history online and knowing your available balance. You can check your balance at the Website (free of charge), or by phoning Cardholder Services on 1800 102 2368
- If you have a query about the Card, you should contact enStage at the Website (free of charge) or by phoning Cardholder Services on 1800 102 2368
- Information will be disclosed to third parties about the Card, or transactions made with the Card, whenever allowed by law, required by law, and also where necessary to operate the Card and process transactions. A full privacy policy can be viewed at the Website
- The Bank reserves the right to change these Terms and Conditions at any time. The most current version will always appear at the website
