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    • Canara Bank Credit Cards Reviews

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    • 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.
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      , 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.
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      , 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.
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      , 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.
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      , namakkal
      Reviewed on May 19, 2017
    • Canara Bank Credit Card
      "Satisfactory Service"
      0.5 4.0/5 "Great!"
      Canara bank offered credit card with good credit limit. But it is not a life time free card, annual charges are there for my card. Interest rate is pretty normal when compared with other banks and I am getting reward points and other offers regularly.
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      , chennai
      Reviewed on May 11, 2017
    • Canara Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Canara bank credit card has good benefits, which is helpful to use. I get reward points in this master green card. There is fuel surcharge waiver, which is useful in filling the fuel. Good to use this card with the limited benefits and happy being loyal customer with canara.
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      , visakhapatnam
      Reviewed on Mar 26, 2017
    • Canara Bank Credit Card
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      I was using Canara Classic card for past one year it was fine, Credit limit was normal but not upto the mark and also transaction charges was high for credit card usage. But there was no issues on my bill it was prompt and there was no hidden charges.
      Was this review helpful? 3

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      , bangalore
      Reviewed on Dec 03, 2016
    • Canara Bank Credit Card
      "Very good services"
      0.5 3.0/5 "Satisfactory"
      I use only one credit card and I am okay with it. It is with Canara bank. The limit is good and I am not looking for more as well. I am satisfied with what I have. The rate of interest is too high on the card. I use for a general use and when ever I used it, it has been smooth.
      Was this review helpful? 4

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      , hosur
      Reviewed on Nov 18, 2016
    • Canara Bank Credit Card
      "Provide better offers"
      0.5 4.0/5 "Great!"
      There could be an improvement for the credit card at Canara bank. Unlike the other bank, they do not provide much of offers. Like there are no much of EMI facilities, the limit is less. The good thing is that it is a life time free card. They are responsive and the services are good overall.
      Was this review helpful? 4

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      , new delhi
      Reviewed on Sep 06, 2016
    • Canara Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am feeling good to use the Canara bank credit card. They are having own web portal in which we can redeem the accumulated rewards points for booking ticket and they also have wide range of products too. There is no annul fee for the card . Interest rate compared to other banks
      Was this review helpful? 3

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      , bangalore
      Reviewed on Jun 16, 2016
    • Canara Bank Credit Card
      "My bank card !"
      0.5 4.0/5 "Great!"
      I have a Visa Classic credit card that I took from Canara Bank when I opened my salary account with them. The credit limit on the card is Rs.10,000 and has an annual charge of Rs.250. I have been using the card for 6 years and it does have offers on Retails and online purchases on e-commerce platforms.
      Was this review helpful? 4

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      , mumbai
      Reviewed on Mar 23, 2016
    • Canara Bank Credit Card
      "Benefited card for the farmers "
      0.5 5.0/5 "Blown Away!"
      From canara bank i have fishers credit card which is benefit for taking loans with the interest rate of 8%-8.5% which is very low and there is no extra charges the tenure is for five years. The amount was credited to the account within three days. There is no annul fee on the card. Statements are send on time.
      Was this review helpful? 2

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      , bhopal
      Reviewed on Mar 17, 2016
    • Canara Bank Credit Card
      "No extra charges levied!"
      0.5 5.0/5 "Blown Away!"
      As I have a current account with Canara Bank, they suggested me to take the credit card with them. The good thing is they are not levying extra charges for the transactions. I am using this classic credit card for more than 2 years and the limit offered is average on the card.
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      , bangalore
      Reviewed on Feb 17, 2016
    • Canara Bank Credit Card
      "Fantastic"
      0.5 4.0/5 "Great!"
      Canara Bank holds my credit card. It is Master credit card I have with them . I am using it for a year and itâ??s fantastic. My reward points can be reimbursed by this card. It has very good billing cycle too. Bank executives post me with regular updates with mails. The card is free of charge and it is good for salaried person.
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      , ahmedabad
      Reviewed on Feb 11, 2016
    • Canara Bank Credit Card
      "Need to improve...."
      0.5 4.0/5 "Great!"
      No option for emi option on my Classic credit card. Billing cycle is 50 days and if we don't pay the bill the Canara bank will block the credit card automatically. After clearing all the dues they release the block and it would take three days. At the start they refused to give the credit card and I got it in reference of the manager. Limit is 50k and on that 25k is the cash limit.
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      , chennai
      Reviewed on Feb 10, 2016
    • Canara Bank Credit Card
      "No annual charge for me..."
      0.5 4.0/5 "Great!"
      Visa classic credit card is just like a basic credit card. And no much offers but at times I get two rewards points out of the purchases. Since I got this Canara bank credit card on staff offer so there is no annual charge. For the normal customers the annual charge is 400 and this is less than private banks.
      Was this review helpful? 3

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      , bidar
      Reviewed on Jan 18, 2016
    • Canara Bank Credit Card
      "Happy with the Canara bank..."
      0.5 4.0/5 "Great!"
      Credit card value is 50 thousand and cash limit is 25 thousand. The manger of the Canara Bank offered this credit card. Interest rate is 3% on the credit card and he clearly told me that in prior. Customer service is very good. Branch manager is very helpful. Annual charge is 2thousand.
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      , madurai
      Reviewed on Jan 16, 2016
    • Canara Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      From last six months i am using the canara bank credit card.They provide the cash back offers on all the product maximum up to 10%. It is life time free credit card. The bigger purchases can be converted into emi and they also have the loan option.
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      , thiruvananthapuram
      Reviewed on Dec 11, 2015
    • Canara Bank Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      From last six months i am using the canara bank credit card.They provide the cash back offers on all the product maximum up to 10%. It is life time free credit card. The bigger purchases can be converted into emi and they also have the loan option.
      Was this review helpful? 1

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      , thiruvananthapuram
      Reviewed on Dec 11, 2015
    • Canara Bank Credit Card
      "Need more facilities..."
      0.5 3.0/5 "Satisfactory"
      Quiet difficult to get credit card from Government banks. Based on my salary account I got Master card from Canara bank. Their offers are not impressive when I compare to private banks. Good thing is, they offered good credit limit. They should provide much offers.
      Was this review helpful? 3

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      , bangalore
      Reviewed on Nov 21, 2015
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    Canara Bank Credit Cards is Rated as "Excellent!" by 36 Users

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    Overview:

    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 + Service Tax
    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 any applicable service taxes. 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.

      *Note: All rates are subject to change, therefore a customer has to keep on checking the latest rates as required from time to time.

      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

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