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  • Canara Bank Credit Cards

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 A maximum of Rs. 50,000 can be withdrawn against your card account at a minimal fee.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

      

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    Canara Bank Credit Cards Reviews

    • Canara Bank Credit Card
      "Good Services"
      0.5 5.0/5 "Blown Away!"
      There is no any charges like annual charges or hidden charges in canara bank. They are providing transparent service to the customers. I have been using the canara bank credit card for past 3 years and i am not getting any benefits on this card. They are providing a rewards points which is 4 points is equal to Rs. 1. I can convert this rewards points into cash.
      Was this review helpful? 0
      , belgaum
      Reviewed on Sep 19, 2019
    • Canara Bank
      Canara Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      I have a credit card of Canara bank with life time free benefits, but I am not using it often. The credit limit is sufficient for my transactions, I have been holding this card from 2006 I didn't request for any upgrade on the card because I don't have interets however there is no hidden charges taken from my end.
      Was this review helpful? 0
      , panipat
      Reviewed on Sep 13, 2019
    • Canara Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I had an offer for a master credit card from Canara bank since I am holding a salary account and was provided with the very good credit limit and I have been using this card for almost 6 months. It is a life time free credit card. But there is no option for an EMI.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 25, 2019
    • Canara Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      In the bank branch they have provided me a canara bank credit card. When i opened the account, i got this card. I'm not getting any offers. The given credit limit is Rs. 10000 which is a lowest limit on all my cards. Its a life time free credit card to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 20, 2019
    • Canara Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had an offer from canara bank and was provided with the very good credit limit and have been using this card for almost 3 years. . I use to make cheque payment is crossed 1 lakh and above if it is below 1 lakh i use to make an online payment. It was my first credit which used and happy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 26, 2019
    • Canara Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have selected canrana bank classics credit card. There is no annual charge Rs 500. While spending 50,000. Customer service is good and responsive.Sufficient is limit is provide from banker end .Mobile application is user friendly application.
      Was this review helpful? 4
      , bangalore
      Reviewed on Jul 05, 2019
    • Canara Bank Credit Card
      "Need to enhance the Credit Limit"
      0.5 4.0/5 "Great!"
      I am using CANARA bank credit card for more than 4 years which was processed directly to bank. It is a life time free credit card. The credit limit is not much sufficient and they need to enhance it. I use this card for many purpose. It is applicable for dining and airport lounges. So based on the usage I get reward points.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 28, 2019
    • Canara Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      The credit limit of CANARA BANK credit card is fair, they offer me with good limit. This card has got no exceptional offers and discounts. Overall their services are good never faced nay issue with the card and its features. The card has no annual fee here .
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 24, 2019
    • Canara Bank Credit Card
      "NEED TO IMPROVE THE CARD OFFER"
      0.5 2.5/5 "Just OK"
      I am not satisfied with the offers in this card because the offers are very lesser through online shopping also i got the lesser credit limit and requested for limit hike but they have denied. There is no proper response from the customer support. The application is good as well as easy to do the bill payment but it reflects more than 8 days.
      Was this review helpful? 3
      , pune
      Reviewed on Jun 17, 2019
    • Canara Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding Canara bank credit card, they have not charged me annual fee in this card, as it is life time free credit card, they have not given me much offers it is very limited offers available in this card, but they have given me sufficient credit limit.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 17, 2019
    • Canara Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      Was Looking for a credit card and had CANARA BANK on my list. The credit limit is sufficient in this credit card and i received my credit card within few days after the application was approved. Benefits were not so special with this card . No annual fee is there with this card .
      Was this review helpful? 1
      , jaipur
      Reviewed on Jun 12, 2019
    • Canara Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      There is no specific reason to choose CANARA BANK credit card .They have the same features as other banks. I always pay my credits on time so i never have any issue. Transactions happens without any issue. Happy with Overall Features. There is no joining fee with this card .
      Was this review helpful? 1
      , coimbatore
      Reviewed on Jun 03, 2019
    • Canara Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I was selected canara bank credit card because of its benefits .They have provide sufficient credit limit ,i am using credit card past five years ago. There no proper responses from customer support and user interface is not applicable its very difficultly.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 24, 2019
    • Canara Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I've been using the CANARA BANK Credit card for a while. They offered me a very good limit. I never faced any issues with their services. Overall this is a recommendable card and it is good for all day to day transactions. I am happy with the services and customer support is good .
      Was this review helpful? 3
      , bangalore
      Reviewed on May 10, 2019
    • Canara Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I've a CANARA BANK Credit card. I have CANARA CLASSIC credit card . I am using this card for past 4 year . I make the card payments online and sometime offline. I never had any issues with their services. They do have Cash back offers and rewards point.
      Was this review helpful? 1
      , kochi
      Reviewed on May 03, 2019
    • Canara Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding credit card with Canara bank,their service is too good, they have not charged annual fee in this card, and i am happy with there credit limit, and i got this credit card as i have my salary account with it so they have given me this credit card, overall service is good.
      Was this review helpful? 1
      , kochi
      Reviewed on Apr 26, 2019
    • Canara Bank Credit Card
      "Excellent Credit card"
      0.5 5.0/5 "Blown Away!"
      I am one of the highly privileged customer in Canara bank . Based on that they given me a credit card . I am happy with their service . They assured me not to worry with the credit limit .Credit limit will enhanced on a certain period of time . They are nicely taking care the customers request .
      Was this review helpful? 2
      , new delhi
      Reviewed on Apr 16, 2019
    • Canara Bank Credit Card
      "Getting good offers"
      0.5 5.0/5 "Blown Away!"
      I got my Canara bank credit card through my salary account . This card 6-7 months older . Weekly twice I am getting good offers and credit limit is satisfied . They deduct my card bill from my salary account . I use this card both for online and offline shopping .
      Was this review helpful? 3
      , chennai
      Reviewed on Apr 15, 2019
    • Canara Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      There is no joining fee at the time of getting the card. I hold CANARA BANK credit card . I am not happy with the benefits , in this card there is no offers . I use this card for shopping , booking tickets . Credit limit is satisfactory . Only some reward point i use to get .
      Was this review helpful? 3
      , bangalore
      Reviewed on Apr 06, 2019
    • Canara Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Was Looking for a credit card and had CANARA BANK on my list. The credit limit is sufficient in this credit card and i received my credit card within few days after the application was approved. Benefits were not so special with this card . No annul fee is there with this card .
      Was this review helpful? 2
      , new delhi
      Reviewed on Apr 01, 2019
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