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  • Canara Bank Credit Cards is Rated as "Excellent!" by 70 Users

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    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 A maximum of Rs. 50,000 can be withdrawn against your card account at a minimal fee.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

    Canara Bank Credit Cards Reviews

    • Canara Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Canara bank credit card for 5 Years. The limit is very good and I also have a savings account with the same bank. I never had any issues withe the credit card and their services. I rarely use this card and being a long time customer I am happy with their services.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
    • Canara Bank Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      Using Canara Bank credit card for long time . Am not satisfied with credit limit its low . There is transaction charges for the transaction which i make . The rate of interest is also nominal only. The payment get automatically debited from the bank account so had to maintain balance all the time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 09, 2018
    • Canara Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a Canara bank credit card from last 2 months, the credit card services are good when compared to other credit cards. There is no annual fee charged for this credit card. I get shopping coupons in this credit card and i use net banking for making payments. I am happy with the credit limit in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 31, 2018
    • Canara Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with CANARA BANK 4 years back. They have offered visa card and the given credit limit was 50,000 which is satisfactory . Their customer service and responses was really good. The fees and charges are very high than other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 23, 2018
    • Canara Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using Canara bank credit card from last 2.5 years, the credit card services are not up to the mark in this bank. Annual fee will be waived off based on the number of transactions done. I did not find any good offers and there is no option for EMI in this credit card. The credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2018
    • Canara Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have a Visa Platinum credit card from Canara Bank and using it for past 15 years. The credit limit was good. It is a life time free credit card. I get cash back offers. I am using the card for multi purposes. I used to pay the card payment through net banking.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2018
    • Canara Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I am not using my Canara credit card much,still the service is good with Canara credit card department. The customer support is good with Canara credit card department. The rate of interest and charges are nominal from Canara credit card service. It is a average service from Canara credit card department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Canara Bank Credit Card
      "Looking for a better limit"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card of Canara bank they had offered a limit of 30,000 i have same limit for the last 5-6 years of time i have requested for increase if credit t limit they have not increased as yet.I am planing to close the card.Net banking and response is good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 02, 2018
    • Canara Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have savings account from canara bank for past 1 year. I am satisfied with the credit limit value with this Canara bank platinum card. The customer support service is good with the Canara bank . I use this credit card for all kind of purchases and bill payments.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 31, 2018
    • Canara Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with Canara bank.They had offers a limit of 50,000,i have been holding the card for last one year.I get best earning ratio for all transaction and redemption options best as compared to other cards which I hold.Net banking is also very much user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • Canara Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was my Visa credit card with Canara bank,the service was good ,not using much with my Canara bank Visa credit card service ,customer service is good with Canara credit card department and offers benefits cash back good ,account charges interest rate was fine canara
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 09, 2018
    • Canara Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I would say I have never faced any hassle using the Canara bank visa classic credit card, but I am not satisfied with the credit limit with this card and they have told that they can still increase the credit limit with the Canara visa classic credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 08, 2018
    • Canara Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I am happy with the Canara Bank credit card. I am using this credit card for 3 years. They offered a credit limit of one lakh rupees which was good. The rate of interest and charges are not discussed. I tried calling the customer care, it was easily approachable. I am using the card for normal purchase.
      Was this review helpful? 0
      , kochi
      Reviewed on Jan 06, 2018
    • Canara Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with CANARA Bank for about 8 months back. I hold master International card and the credit limit was 35,000 which was satisfactory . The customer service and responses was up to the mark. The validity of the card is up to 2022 . My experience was good and Its recommendable.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 04, 2018
    • Canara Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Canara Bank credit card from last 4 years, the credit card services are very good in this bank. I am not aware of any annual fee in this credit card. I have a credit limit of Rs 1 lakh and the cash limit of Rs 40000 which is more than sufficient. I am not aware of any offers as i do not use this card much. My credit card payment gets auto deducted through ECS.
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 27, 2017
    • Canara Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Before two month back, I got Canara bank credit card, its very easy to transfer money from my account to credit card. Generally I make bill payment, shopping with Canara bank card, they offered me the credit limit around Rs. 1 lakh. But it has some annual fee its nominal.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 21, 2017
    • Canara Bank Credit Card
      "Decent Card"
      0.5 1.0/5 "Really Bad"
      If I take Cash from this Card they would be putting an Interest rate of 3%. They offered me a decent credit limit of Rs.2 Lakhs. The number of offers are good. Only thing is that they charge for most of the things. Fuel gets charged pretty steeply.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 20, 2017
    • Canara Bank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      I have been using this Credit Card for 5-6 years. I have a branch just below my office, which has always provided me with good service. They have offerd me good limit. Converting the whole amount to EMI options are available. You get to have 40 days cooling period. Their Rate of interest is less. I can take cash from ATM for which the interest rate is low too. Customer service is pretty good
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 19, 2017
    • 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? 2
      , 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
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