Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 2 Canara Bank Credit Cards
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  • Canara Bank Credit Cards is Rated as "Excellent!" by 52 Users

    Fees & Charges

    Promised Interest Rate

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    Credit Card BYTES FROM OUR KITCHEN

    Canara Bank Credit Cards

    Canara Bank offers credit cards to cater to both the moderate and indulgent lifestyle. You can avail of domestic cards as well as Global usage cards as per your needs. Choose between 6 cards to suit your lifestyle and affordability. In association with VISA, Canara Bank presents the Classic and Gold cards. In association with Mastercard, Canara Bank presents the Classic, Gold and World card. It also issues a Corporate Credit Card designed to meet the needs of the corporate companies and its employees.

    With your Canara Bank credit card, you can earn reward points as you spend. You also have easy access to cash when you need. Get free accident and baggage insurance, and even better rates on Mediclaim policies. You also have the benefit of purchase protection which secures you against fraudulent products and sellers.

    Why choose Canara Bank Credit Card?

    Canara Bank issues a variety of cards designed to meet your requirements and in turn, requires very little from you. To avail of a credit card from Canara Bank, the minimum income in Rs. 1 lakh per annum. Get generous credit limits, interest-free periods and revolving credit facilities, earn reward points as you spend and cash advances with your Canara Bank credit card.

    Features and Benefits of Canara Bank Credit Card :

    • Reward points:

      Get two points for every Rs. 100 you spend. Redeem your points at Rs. 0.25 per point.

    • Special offer on Mediclaim insurance:

      M/s United India Insurance Company offers Mediclaim policies for Canara Bank credit cardholders at competitive premiums. Make payments for the premium with your credit card and get interest-free period of 20-50 days.

    • Complimentary Baggage Insurance:

      Get peace of mind while you travel with complimentary insurance coverage against lost baggage for up to Rs. 25,000.

    • Complimentary Accident Insurance:

      Receive complimentary insurance against accidental death for yourself and your spouse. The insurance coverage depends on the choice of your credit card.

    • Cash Advance:

      Get cash when you need! With your Canara Bank credit card you can withdraw up to 50% of your credit limit. A maximum of Rs. 50,000 can be withdrawn against your card account at a minimal fee.

    • Add on cards:

      Extend the benefits of this credit card to your immediate family members. They should be at least 18 years old.

    • Zero Annual Fees:

      Enjoy zero annual fees on all the Canara Bank credit cards. Only add on cards for corporate credit cards carry an annual fee of Rs. 400.

    • Fuel surcharge waiver: Get a waiver on the 2.5% fuel surcharge if you use your card to buy petrol and petroleum products for Rs. 400 and above. You should spend at least Rs. 2,500 on petrol transactions in the billing month. Rs. 100 maximum will be reimbursed monthly.

    • Internationally accepted:

      Canara Bank issues cards for domestic use. Global cards will be issued upon request. These cards are accepted around the world at merchant outlets and ATMs. You can get VISA or Mastercard credit cards. The credit cards can also be used on the Internet, IVRS, Mail order and Teleshopping.

    • Purchase Protection:

      If the product or service you purchased is fraudulent, stolen and duplicate or damaged, you are protected against paying for it. Report the purchase to Canara Bank as soon as possible to be protected. The bank will not charge the amount to your credit card.

    • SMS alerts:

      Canara Bank provides SMS alerts free of charge. Be up to date on your balance, billed amount, due dates and transactions.

    • Interest-free period:

      Spend on your card and avail of 20 and 50 days credit periods to make the payment. Clear your bills in full every month to continue this interest-free cycle. Interest will be charged only when you carry forward a balance.

    • Revolving credit:

      Pay your bills according to your convenience. The minimum due is calculated as 5% of the billed amount. This is subject to a minimum of Rs. 100 and must be paid by the due date. The remainder can be carried forward with interest.

    • Credit limit:

      Get generous credit limits depending on your annual incomes. You can avail of 30% to 50% of your annual income. The maximum credit limit offered is Rs. 25 lakhs. The credit limits are determined at the sole discretion of Canara Bank Card Division.

    • No lost card liability:

      In case you lose your card, report it immediately to Canara Bank. Your liability will be limited to Rs. 1,000 after reporting.

    Canara Bank Credit Card Charges and Interest:

    Charge Classic/Standard Gold Secured World Corporate
    Joining Fee Nil Rs. 250 for EMV chip and PIN card Nil Rs. 250 for EMV chip and PIN card Rs. 250 for EMV chip and PIN card
    Annual Fee Nil Nil Nil Nil Rs. 400
    Supplementary Card Nil Nil Nil Nil NA
    Card inactivity Rs. 400 if card turnover is less than Rs. 12000 during the year Rs. 750 if card turnover is less than Rs. 25000 during the year Rs. 300 if card turnover is less than Rs. 12000 during the year Rs. 1000 if card turnover is less than Rs. 50000 during the year NIL
    Add on Card inactivity Rs. 300 if card turnover is less than Rs. 12000 during the year Rs. 750 if card turnover is less than Rs. 25000 during the year NA Rs. 1000 if card turnover is less than Rs. 50000 during the year NA
    Interest on revolving credit 2.5% per month or 30% per annum + GST as applicable
    Minimum due 5% of the billed amount, subject to Rs. 100 minimum

    Canara Bank Credit Card Rewards:

    Earn rewards while you spend. Collect 2 reward point for every Rs. 100 spent on your Canara Bank credit card. To register for reward points, you need to log into www.canararewardz.com and active your reward point account. Get your login credentials and then you can view and redeem your points. Earn even more rewards under the Maxgetmore rewards scheme.

    Redemption:

    Each reward point you earn is worth Rs. 0.25. You can redeem your points from an array of options that range across apparels, electronics and more. Get movie tickets and mobile or DTH recharges. You can also redeem your points at select merchant outlets.

    Please note that disputed or cancelled transactions, balance transfer, cash withdrawals, foreign currency transactions, interest and card charges are not eligible for reward points.

    Canara Bank Credit Card Eligibility:

    The eligibility criteria set by Canara Bank to avail of its credit cards differs from card to card. The following is the general criteria for all credit cards offered.

    Domestic and Global Cards:
    • You should have satisfactory dealings with Canara bank and the particular branch.
    • Canara Bank account holders will get preference.
    • You should have a PAN card.
    • The minimum income required is Rs. 1 lakh per annum.
    • A good credit history is required. Canara Bank will check your CIBIL score.
    • You need to provide a valid mobile number to subscribe for the SMS alerts.
    Corporate Card:
    • Companies/Firms who have credit limits with Canara Bank with S1 and S2 status.
    • For Companies without credit limits, they should have 12 months of satisfactory dealings.
    • Member affiliate banks are also eligible.

    Canara Bank Credit Card Documents Required:

    To complete the process of applying for a Canara Bank credit card, you need to submit the following documents.

    • Passport size photo
    • Copy of PAN card
    • In case of NRI customers, the passport is required
    • Income proof
    • Form 16
    • Latest Balance Sheet
    • Salary certificate
    • IT assessment order/Latest IT returns

    The bank may require more documentation at its own discretion.

    List of Canara Bank Credit Card:

    VISA Classic Credit Card - A card designed to meet the moderate lifestyle, this card is brought to you in association with VISA. You need a minimum of Rs. 1 lakh to be eligible. It brings comfort and convenience to your everyday life.

    Mastercard Standard Credit Card - This card is brought to you in association with Mastercard. Avail of this card to meet the needs of a moderate lifestyle while indulging in rewards and other benefits.

    Global Gold Credit Card - The Global Gold card is tailored to meet a high-end lifestyle. It is a card that is targeted at the elite class of society to cater to their needs of convenience, comfort and luxury. You need to show at least Rs. 2 lakh annual income to avail of this card.

    Corporate Credit Card - This corporate card is designed for corporate clientele. It is issued to non-individuals such as public and private companies, partnership firms, tax consultants, public sector undertakings firms of chartered accountants, and solicitors of good standing.

    Canara Bank Credit Card FAQs:

    1. What is the maximum interest-free credit period?

      You can get upto 50 days interest-free with a Canara Bank credit card. So you have up to 50 days to make payments for your purchases in that billing month. The period will be determined according to the date of your transaction and the billing date. If you clear your bills in full, your interest-free period will continue. If you carry forward a balance, then the interest-free period lapses. Interest will be charged on the revolving amount as well as any subsequent purchases.

    2. What is the minimum due on a Canara Bank credit card?

      Canara Bank charges a minimum of Rs. 100 as the minimum due on any credit card bill. Your minimum due is calculated as 5% of the total billed amount. This must be paid by the due date to avoid penalties and other corrective action.

    3. What fees will I incur on missed payments?

      2% of the missed payment amount will be charged plus GST as applicable. Your card will be temporarily suspended till you clear your bill in full.

    4. What do I do if I cannot pay back my Canara Bank credit card?

      Always spend only as much as you can afford on your credit card. Credit cards should not be misused. If you cannot pay back your bill, contact the bank and communicate your case with them. Some banks usually devise EMI schemes for you to pay it back. If you ignore your outstanding credit card dues, Canara Bank will send you reminders to pay the bill. Your outstanding amount will continue to accumulate interest and penalties. Your card will then be hotlisted. You will be reported to CIBIL and be blacklisted. This will affect future credit opportunities such as loans and overdrafts. Canara Bank can also take legal action to recover the amount due.

    5. When will I receive my Canara Bank credit card statement?

      Canara Bank will send your credit card statement well before the due date through email or post. You can choose which method you would prefer. The bank will also send you SMS alerts regarding the amount due and the payment due date.

    6. When is the payment due date for a Canara Bank Credit Card?

      The Mastercard credit cards are billed on the last working day of every calendar month. The credit card payment due date will be the 20th of the following month. The VISA credit cards are billed on the 20th of every month. The credit card payment due date will be the 10th of the next month.

    7. How do I pay my Canara Bank Credit Card bill?

      Canara Bank has a number of options for you to pay your credit card bill.

      • Account holders can use the auto debit facility. The credit card dues will be debited from the operative account.
      • Electronic Fund Transfer (NEFT) facility
      • Avail of free Demand Drafts from any Canara Bank branch towards payment of your card dues.
      • Remit cash or even cheques at any branches of Canara Bank.
    8. *Note: All rates are subject to change, therefore a customer has to keep on checking the latest rates as required from time to time. GST rate of 18% applicable for all financial services effective July 1, 2017

      News About Canara Bank Credit Card

      • Canara Bank Launches 3 New Premium Cards

        Canara Bank, a premier public sector bank, on Wednesday (25.02.2015), launched three premium cards namely, Canara Credit Card World, Canara Business Debit Card and Canara International Travel Prepaid Card in collaboration with Master Card.

        The Canara Credit Card World is a prime credit card aimed at customers with a minimum net annual income of ₹ 7.5 lakh. This premium card comes with high credit limit coupled with extra security features.

        Next in line during the launch was the Canara Business Debit Card for entrepreneurs in the SME sector. This card offers higher cash withdrawal and purchase limits, while also syncing with the purchase limit requirement of the new age entrepreneur.

        Canara International Travel Prepaid Travel Card is tailor made for the students travelling abroad for studies. The multi-currency card can be easily loaded with monies in various currencies, making it a preferred card for frequent travellers.

        27th February 2015

    Canara Bank Credit Cards Reviews

    • Canara Bank Credit Card
      "Its Nice"
      0.5 4.0/5 "Great!"
      I availed Canara Bank platinum credit card, from last two years onwards, they have basic offers as other credit card. But they are providing good interest rate and life free charges for an existing customer, and they gave me insurance based on the credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2017
    • Canara Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      I have taken a credit card with canara bank.The limit on the card is 10,000,i don't pay an annual fees to hold this card.I have been using the card for last three years.Net banking is convenient to use.The customer service don't respond on time.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 25, 2017
    • Canara Bank Credit Card
      "Good experience"
      0.5 4.0/5 "Great!"
      The experience with Canara Bank's Credit Card has been pretty good. They gave me this card on the basis of my Savings and Fixed deposit with the Bank. The card has a good credit limit of Rs.75000 and the repayment attached to the card is also pretty simple.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 25, 2017
    • Canara Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      There was no response from Canara bank , because I have raised a request saying that my Global credit card got expired, so I have requested for replacement of the card but I never got any response from canara bank end. The response part need to be improved with caanara bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 21, 2017
    • Canara Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      More than 2 years I use this Canara bank gold credit card. I got the credit limit of Rs.1,00,000 with this card. .I don't pay any annual fee to canara global gold credit card. I use this card for all kind of purchases with this card. I would say it is better card to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 20, 2017
    • Canara Bank Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with Canara Bank. It was a classic credit card and the credit limit was better. I don't required more credit cards so I have returned to the bank. There was no much offers but they provide 50% withdrawal option without any interest rate.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • Canara Bank Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      I am not happy with the service of CANARA bank for my credit card service I found lot of difficulty with CANARA credit service and the interest rate and fees and charges fine but they dont have application it was little disappointing for me it was totally a good experience with CANARA for my credit card service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2017
    • Canara Bank Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      Canara Bank credit card is good but customer service is not upto the mark. They not giving any reminder call before the due date, I have taken this credit card before three months. Credit limit is nominal, they gave me only Rs.15,000, but they will increase it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 04, 2017
    • Canara Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      From last 3 years i am using the credit card of Canara Bank and the customer service is real good from their end . The bank gave me a limit of 2 lakh and there is option of cash withdraw up to 50% and also i get reward points on using the card . I can say it is a good experience .
      Was this review helpful? 0
      , indore
      Reviewed on Oct 16, 2017
    • Canara Bank Credit Card
      "Easy card to use"
      0.5 4.0/5 "Great!"
      I hold a classic International master credit card from Canara bank for more than 2 years. The customer support is good with Canara bank credit card department. I am satisfied with the credit limit. There is no annual fee with this card. The minimum transactions need to be spent with this card otherwise the annual fee of Rs,600 will be charged. The rate of interest and the charges are nominal when compared with other banks.
      Was this review helpful? 0
      , allahabad
      Reviewed on Oct 14, 2017
    • Canara Bank Credit Card
      "excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a very good service from CANARA bank for my credit card service even their interest rate and charges was nominal representatives and customer service also fine,I use to get good offers and points, so overall service is very excellent from CANARA bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 30, 2017
    • Canara Bank Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I use CANARA BANK credit card. CANARA BANK customer support is quick in response. I use this card very well as I like their services and also their EMI option is good for this credit card. I pay Rs. 250 as an annual fees for this card which is good compared with other banks credit cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 30, 2017
    • Canara Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I availed a life time free card from Canara bank. The bank offered good credit limit also there is an option to upgrade the limit in future. Basic on the salary account they have offered this card. I use this card for six months now, I never faced any issues because of my credit card. It is good to use.
      Was this review helpful? 0
      , thane
      Reviewed on Sep 11, 2017
    • Canara Bank Credit Card
      "Need to have flexible options"
      0.5 2.0/5 "Expected more"
      I hold a credit card with Canara bank and the major drawback in the card services is if I use the card for 50K to 60K in a month, I would have to repay the whole amount in the following month itself. There is no EMI facility to make my payments easier.
      Was this review helpful? 0
      , baddi
      Reviewed on Aug 03, 2017
    • Canara Bank Credit Card
      "Good in customer service"
      0.5 5.0/5 "Blown Away!"
      Canara bank offered a credit card. The yearly charges for the card is around 500 rupees. I did not check about the reward points and cash back offers. Credit limit is quite ok and the customer service is really good with the bank. I do not have any issues with Canara.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2017
    • Canara Bank Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I availed a life time free card from Canara bank. The bank offered good credit limit also there is an option to upgrade the limit in future. Basic documents are required to avail the card. I use this card for one and a half years, I never faced any issues because of my credit card. It is good to use.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 24, 2017
    • Canara Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have used Canara bank and I have closed it because of credit limit was very lesser one. Response was good one with them and the customer service was also a good one. Offers are nil with them till now because it was the newly launched credit card. They are not having much exposure.
      Was this review helpful? 1
      , devanahalli
      Reviewed on Jun 10, 2017
    • Canara Bank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      Canara bank offered me a credit card. I do not remember the annual charges for the card. I do receive reward points and cash back offers from the bank. But then, I am not happy with the credit limit. I would like to increase the limit of the card. Hence I am not using this card frequently.
      Was this review helpful? 1
      , thrissur
      Reviewed on May 24, 2017
    • Canara Bank Credit Card
      "Comfortable to use"
      0.5 5.0/5 "Blown Away!"
      I hold credit card with Canara bank. But I am not regularly using the card I use rarely. I did not face any problem till date. I do not have any idea about reward points but I got cash back offer. There is no annual fee for my credit card.
      Was this review helpful? 1
      , salem
      Reviewed on May 24, 2017
    • Canara Bank Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      Canara bank has offered me a credit card and the services on the card are not to my satisfaction. When I purchased something they billed me twice , there was a duplicate entry in my statement and when I reached out to them they took more than a month to rectify that transaction and for the same to reflect in the statement.
      Was this review helpful? 2
      , namakkal
      Reviewed on May 19, 2017
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