Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Canara Bank Credit Cards is Rated as "Excellent!" by 104 Users

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 A maximum of Rs. 50,000 can be withdrawn against your card account at a minimal fee.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

    Canara Bank Credit Cards Reviews

    • Canara Bank Credit Card
      "Good Response at Home Branch"
      0.5 5.0/5 "Blown Away!"
      I took the Canara bank credit card from local bank, the manager is very cooperative earlier the credit limit was low once I place the request he increased the limit. I would thank to the Canara Manager. The interest rate is lower when compared to ICICI bank.
      Was this review helpful? 1
      , yamuna nagar
      Reviewed on Jan 10, 2019
    • Canara Bank Credit Card
      "Good in all"
      0.5 4.0/5 "Great!"
      I also bank with Canara Bank for the credit card. There are good services and response as well. The card features are good and the credit limit is fine. The statements are clear and sent to me on time. Overall it has been good and satisfactory without any issues.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 28, 2018
    • Canara Bank Credit Card
      "Can do better"
      0.5 3.5/5 "Pretty good"
      I bank with Canara Bank for the credit card. It has not been a up to the mark experience as they do not send me the notifications through email and they need to provide more deal like the other banks. The limit is okay and can be better in the overall service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 16, 2018
    • Canara Bank Credit Card
      "AVERAGE"
      0.5 4.0/5 "Great!"
      The salary account that i am using it from the CANARA BANK where i am using it from past 30 years as i have the much more experience with this bank. The customer service is not satisfactory but i am not using with the online banking with this bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Canara Bank Credit Card
      "Best card for all transactions"
      0.5 5.0/5 "Blown Away!"
      I am very impressed with the Canara bank credit card process, the credit limit of the card is very fine for me. I have been holding this card around three years, they have increased the limit, the offers are good for the e commerce transactions.
      Was this review helpful? 0
      , keonjhar
      Reviewed on Dec 10, 2018
    • Canara Bank Credit Card
      "Need lots of improvement"
      0.5 2.0/5 "Expected more"
      In Canara credit card there is no emi facility available its one of the drawback and the credit limit is very less around Rs. 20,000. I have been using it past 4 years, but still the limit is low, they didn't increase it. Customer support is not upto the mark they need to improve on it.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 05, 2018
    • Canara Bank Credit Card
      "Looking for good offers"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with Canara bank from last 2-3 months, there was no annual fee charged for this credit card. I am happy with the credit limit in this credit card. I did not find any offers in this credit card and the services are not up to the mark in this card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 20, 2018
    • Canara Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been applied for canara bank credit card, they have charge me annual fee in this card but waived off option is available , and i am happy with my credit limit they have given up to 50 thousand as limit,and this is user friendly application, their customer service is not that much good I would say,
      Was this review helpful? 2
      , coimbatore
      Reviewed on Nov 01, 2018
    • Canara Bank Credit Card
      "Average card"
      0.5 3.5/5 "Pretty good"
      I have not been started using this canara bank credit card yet, yet to dispatch but i am happy with card while applying for card there was no issue with the card like documentation part went very smoothly and it didnâ??t took that much time to get approval , i donâ??t have idea whether they are charging any annual fee once i receive then will get to know.
      Was this review helpful? 1
      , mumbai
      Reviewed on Oct 30, 2018
    • Canara Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have bought the CANARA BANK credit card . They offered a good credit limit with this card . The annual fee charges are nominal with this card . Benefits were not so attractive with this card . It has been a very good experience with the card and their services.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 25, 2018
    • Canara Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with CANARA BANK , i am holding this card for past 5year . There is annual fee of rs 350 at the time of getting the card . I use this card for shopping , petrol and for various purpose . I have my salary account with the same bank and i use to get good reward point and cash back .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 22, 2018
    • Canara Bank Credit Card
      "Bad service"
      0.5 1.0/5 "Really Bad"
      I have a credit card with CANARA BANK for long time, it is not up to the mark card, even there is no offer they provide me and i get difficulty in payment part there a problem in transferring from one account to other account and annual fee is also chargeable and even i am not happy with my credit limit.
      Was this review helpful? 1
      , vadodara
      Reviewed on Oct 10, 2018
    • Canara Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with Canara bank from last 4 years, it is a classic credit card where the offers like reward points are good and the value is also good. There was no annual fee charged for this credit card and the credit limit is fine with this credit card.
      Was this review helpful? 2
      , bangalore
      Reviewed on Oct 08, 2018
    • Canara Bank Credit Card
      "AVERAGE"
      0.5 5.0/5 "Blown Away!"
      MY credit card was taken with CANARA BANK , i am holding this card for past 4year i have my salary account with the same bank . They provide 50000 of credit limit and it is basic limit . The drawback of this card is i cannot convert my card into EMI , overall the service was good .
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 07, 2018
    • Canara Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Canara bank from last 15 years, the credit card services are very good in this credit card when compared to others. There was no annual fee charged for this credit card and the credit limit is fine in this card. Offers like reward points are good and those points can be converted to cash.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 29, 2018
    • Canara Bank Credit Card
      "Unhappy with the services"
      0.5 2.5/5 "Just OK"
      Canara Bank was not up to the mark on the credit card. So I closed the card. They need to improve much on the customer services. The credit limit and offers are also not up to the mark when compared to the other bank deals and limit. I would not recommend the bank.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 14, 2018
    • Canara Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a credit card with Canara bank from last 22 years, there was no annual fee charged for this credit card. The credit card services are very good when compared to other credit cards. I did not find any offers in this card and the credit limit is fine in this card.
      Was this review helpful? 1
      , faridabad
      Reviewed on Sep 12, 2018
    • Canara Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this credit card for the last 4-5 years and the services which they had been providing had been excellent. The credit limit with the card has been satisfactory and there has been good features and benefits with the card as well. Their customer support has also been good and i had been using the card for all kind of purposes.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 04, 2018
    • Canara Bank Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      I have credit card with CANARA BANK . Customer support is up to the mark The services and process was smooth , i did not face any issue till date, with this card . They offered good credit limit . There is no joining fee at the time of getting the card . So far my experience was good .
      Was this review helpful? 1
      , pune
      Reviewed on Sep 03, 2018
    • Canara Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Customer service is perfect, limit which they have given me is satisfied for me, about the online banking ans other services are also good in this bank first if someone wants me to prefer i would prefer for the canara bank first then to the rest of the banks, so over all everything is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 30, 2018
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