Cent Prestige - Salary Account for Central Govt. Employees

S. No.

Features

Cent Salary – Group-C

Cent Salary – Group-B

Cent Salary – Group-A

1

Age group

18-65 years

18-65 years

18-65 years

2

Gross Salary Credit per Month

Less than ₹70,000/-

₹70,000/- to ₹1,20,000/-

₹1,20,001/- and above

3

Initial Deposit Amount for opening of the A/c

Zero

Zero

Zero

4

Minimum Balance

Zero

Zero

Zero

5

Free Personal Accidental Death Insurance (PAI) Cover

₹ 100.00 lakhs

₹ 120.00 lakhs

₹ 150.00 lakhs

6

Free Air Accidental Insurance

₹ 100.00 lakhs

₹ 120.00 lakhs

₹ 150.00 lakhs

7

Free Permanent Total Disability Insurance Cover (PTD)

₹ 100.00 lakhs

₹ 120.00 lakhs

₹ 150.00 lakhs

8

Free Permanent Partial Disability Insurance Cover (PPD)

₹ 50.00 lakhs

₹ 60.00 lakhs

₹ 75.00 lakhs

9

Add on Covers –

Daughter’s Marriage Support  (18-25 years) (Only one girl child)

₹ 10.00 lakhs

₹ 10.00 lakhs

₹ 10.00 lakhs

Higher Education Cover (for Graduation) age between 18-25 Year (For 1 child only)

₹ 10.00 lakhs

₹ 10.00 lakhs

₹ 10.00 lakhs

Cost of Plastic Surgery/Burn

₹ 5.00 lakh

₹ 5.00 lakh

₹ 5.00 lakh

Death in Coma after accident

₹ 5.00 lakh

₹ 5.00 lakh

₹ 5.00 lakh

Repatriation of Mortal remains

₹ 0.50 lakh

₹ 0.50 lakh

₹ 0.50 lakh

Ambulance Charges

₹ 0.50 lakh

₹ 0.50 lakh

₹ 0.50 lakh

10

Free Term Plan Insurance

₹ 10.00 lakhs 

 ₹ 15.00 lakhs 

₹ 20.00 lakhs 

11

Term Plan Insurance – Premium to be borne by customer

As per Customer’s eligibility

12

Group Medical Insurance - Premium to be borne by Customer

As per Customer’s eligibility

13

Free Cheque Books (per annum)

Unlimited Free

14

Issuance of DD

5 per quarter up to ₹2.00 lakh

15

ATM/Debit Card Type

RuPay Platinum

RuPay Select

16

ATM/Debit Card Issuance Charges

Free

Free

Free

17

ATM/Debit Card Renewal Charges

Free

Free

Free

18

ATM/Debit Card Re-issuance Charges

Chargeable on actual basis

19

Free ATM  txn in a month

Own – Unlimited

                                      Other – 5/month

20

Airport Lounge Access on ATM

Nil

Dom – 1/Qtr.

Int. – 3/yr.

(if ₹5000/- spent in previous quarter)

21

Other benefits on ATM

Personal Accident Insurance cover (Accidental Death or permanent total disability) of up to ₹2.00 lakhs

Cardholder needs to perform minimum one successful RuPay card induced financial transaction at any POS/Ecom, both Intra and Inter-bank i.e. on-us or off us within 30 days prior to date of accident including accident date of RuPay Cardholder.

Personal Accident Insurance cover (Accidental Death or permanent total disability) of up to ₹10.00 lakhs

Cardholder needs to perform minimum one successful RuPay card induced financial transaction at any POS/Ecom, both Intra and Inter-bank i.e. on-us or off us within 30 days prior to date of accident including accident date of RuPay Cardholder.

Gym - 1 complimentary 3 months Cult.Fit- Cure.Fit Live subscription or Cult Fit-1 month Elite Pass subscription

Golf - 1 complimentary Golf Lesson or Round every quarter

Health Checkup - 1 complimentary premium health check-up package every quarter

OTT - 1 complimentary 12 months Amazon Prime Video or ZEE5 HD membership or 12 months Sony Liv membership every year

1 complimentary SPA service every quarter

Travel - 1 complimentary INR 100 coupon for Ola or Uber cab service every quarter.

22

Auto Sweep facility

On customer’s request

On customer’s request

On customer’s request

23

Minimum balance for sweep-in & sweep-out facility

₹ 1.00 lakhs

₹ 1.50 lakhs

₹ 2.00 lakhs

24

Sweep-in & sweep-out in multiple of

₹ 10,000/-

₹ 10,000/-

₹ 10,000/-

25

RTGS/NEFT/UPI/IMPS/ SMS charges

Free

26

Locker Rent (Applicable on only one locker)

25% discount on small locker

25% discount on small locker

25% discount on small locker

   27

Overdraft Facility

1 month gross salary

1 month gross salary

1 month gross salary

Max. ₹70,000/-

Max. ₹1,20,000/-

Max. ₹2,00,000/-

28

Concession on Processing Charges on Retail Loans

100%

100%

100%

Concession in ROI on various Retail Loans

28.1

All variants of Housing Loan excluding Grih Laxmi#

---

0.05%

0.10%

28.2

Takeover Home Loan Excluding Grih Laxmi

0.05%

0.10%

0.15%

28.3

Vehicle Loan for five years

0.05%

0.10%

0.15%

28.4

Education Loan (excluding AAA & AA institute)#

0.25%

0.50%

0.50%

28.5

Personal Loan subject to undertaking obtained from Employer

1.00%

1.25%

1.50%