Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Canara VISA Classic / MASTERCARD Standard Credit Cards Reviews

    • 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
    • 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.
      Was this review helpful? 1
      , 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.
      Was this review helpful? 1
      , 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? 4
      , 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? 5
      , 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
      , 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? 4
      , 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? 5
      , 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? 3
      , 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.
      Was this review helpful? 3
      , 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.
      Was this review helpful? 2
      , 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.
      Was this review helpful? 3
      , 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? 4
      , 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.
      Was this review helpful? 2
      , madurai
      Reviewed on Jan 16, 2016
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    Canara VISA Classic / MASTERCARD Standard Credit Cards

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    Canara Bank offers the VISA Classic / MASTERCARD Standard Credit Card as an entry-level card that caters to a moderate lifestyle. The card has a number of benefits to offer that you can share with your immediate family members by procuring add on cards for them. The card comes in handy when you need extra cash as you can make withdrawals from any ATM. Get complimentary insurance and purchase protection that will put your mind at peace. Use your credit card across the globe at merchant outlets and online. The card can also be used for mail orders, teleshopping and IVRS. Make shopping more enjoyable by buying what you want and paying for them up to 50 days later. Preference is given to existing customers and account holders.

    Benefits:

    • Reward Points:

      Activate the reward point’s scheme on your credit card and earn points on all your transactions. Collect 2 points for every Rs. 100 you spend. You can later redeem your points at Rs. 0.25 per point.

    • Cash Advance:

      Withdraw up to 50% of your credit limit subject to a maximum of Rs. 50000 cash against your credit card account. A fee of 3% will be charged when you use Canara Bank ATMs, or a minimum of Rs. 30 for every Rs. 1000 withdrawn or part thereof. Withdrawals at other bank ATMs will attract the respective bank’s charges.

    • Zero Annual Fees:

      With the VISA Classic / MASTERCARD Standard card, there are no entrance or annual fees attached. Enjoy the benefits of this card without having to pay any subscription charges.

    • Add on cards:

      Avail of add on cards for your family members for free. These cards also do not carry an annual fee. The family member should be above the age of 18 years.

    • Complimentary Accident Insurance:

      Receive complimentary insurance against accidental death due to air crash for Rs. 4 lakhs for yourself, and Rs. 2 lakhs for your spouse. For death for any other reason, get Rs. 2 lakhs cover for yourself and Rs. 1 lakh for your spouse. Insurance will also cover you against lost baggage, lost card, and give you purchase protection.

    • Complimentary Baggage Insurance:

      You will be covered against lost baggage and related incidents for up to Rs. 25,000 to make your travels more peaceful.

    • Special offer on Mediclaim insurance:

      Canara Bank has a tie-up with M/s United India Insurance Company which offers premiums at very competitive rates exclusively to Canara Bank Credit Cardholders. Pay the premium with your credit card and get interest-free period of 20-50 days.

    • Fuel surcharge waiver:

      2.5% fuel surcharge will be waived if you use your card to purchase petrol and petroleum products for Rs. 400 and above. The card should also have been used for at least Rs. 2,500 on petrol transactions for the billing month. A maximum of Rs. 100 will be reimbursed per month.

    Features:

    • Internationally accepted:

      The card is brought to you in association with MasterCard and VISA and is globally accepted. Use your card in India and abroad at ATMs and merchant outlets. The card is also valid for transactions on the Internet, IVRS, Mail order and Teleshopping.

    • Credit limit:

      The minimum credit limit on this card is Rs. 10,000. The maximum credit limit is determined on the basis of your annual income. You can avail up to 30% of your annual income subject to a maximum of Rs. 3 lakhs. This is at the sole discretion of Canara Bank.

    • Interest-free period:

      Get between 20 and 50 days credit periods to make the payment on your credit card.

    • Revolving credit:

      Repay your outstanding balance according to your financial convenience. The minimum payment due is 5% of the billed amount subject to a minimum of Rs. 100. This amount must be paid by the due date, but the remainder can be carry forward on the basis of applicable interest.

    • Purchase Protection:

      With the Canara Bank VISA Classic / MASTERCARD Standard card, you will be covered for up to Rs. 25,000 against any fraudulent products or services.

    • SMS alerts:

      Register for the free SMS alerts to be informed every time you swipe your credit card. This will protect you from fraud and skimming.

    Important Fees and Charges:

    Charge

    Amount

    Joining Fee

    Nil

    Annual Fee

    Nil

    Supplementary Card

    Nil

    Interest on revolving credit

    2.5% per month or 30% per annum

    Minimum due

    5% of the billed amount, subject to Rs. 100 minimum

    Cash advance transaction charge at Canara Bank ATMs

    3% of transaction amount, or a minimum of Rs. 30 for every Rs 1000 crossed

    Cash advance transaction charge at Other Bank ATMs

    As per the respective bank

    Other Fees and Charges:

    Charge

    Amount

    Late payment charges

    2% of the amount due, subject to a minimum of Rs. 10 and a maximum of Rs. 150.

    Card inactivity

    Rs. 400. Waived if you spend Rs. 12,000 or more.

    Add on Card inactivity

    Rs. 300. Waived if you spend Rs. 12,000 or more.

    EMV Card

    Rs. 250 (Regardless if it is for replacement or renewal except in case of card malfunction)

    Dishonoured cheque

    Rs. 50

    Card replacement

    Free

    Chargeslip request processed by Canara Bank

    USD 2

    Chargeslip request processed by any other bank

    USD 6

    Duplicate Statement

    Rs. 10 per page

    Overdue reminder fee

    Rs. 50 per notification

    Fuel surcharge

    2.5 % of the transaction subject to a minimum of Rs. 10.

    Outstation cheque processing charge

    Rs. 100 per cheque (Plus any charges levied by the other bank)

    Foreign currency transactions

    Up to 3% conversion mark up (applicable on cards enabled for global use)

    Eligibility:

    You can be eligible for a Canara Bank VISA Classic / MASTERCARD Standard Credit Card if you satisfy the eligibility requirements.

    • The minimum income required is Rs. 1 lakh per annum.
    • It is preferable that you have a Canara Bank account.
    • You need to have a PAN card.
    • You should have satisfactory dealings with the bank and its particular branch.
    • You need a mobile connection to subscribe for the SMS alerts.
    • You need a good credit history. Canara Bank will enquire into your CIBIL score.

    Canara VISA Classic / MASTERCARD Standard Credit Cards FAQs:

    1. When will my Canara Bank VISA Classic / MASTERCARD Standard credit card dues be billed?

      The VISA Classic card is billed on the 20th of every month, and your payment due date will be the 10th of the following month.

      The MasterCard Standard card is billed on the last day of every month, and the payment due date is the 20th of the next month.

    2. How do I receive my Canara Bank credit card statement?

      Your credit card statement will be sent to you well before the payment due date. You can receive it through regular post or via email. Canara Bank also sends SMS alerts with the amount due and payment due date information.

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

      You need to designate a Canara Bank account from which the credit card dues will be debited. Ensure that you maintain a sufficient balance to pay your credit card bill. If you fail to maintain the necessary balance, the account will be overdrawn to cover the amount due. The overdrawn amount attracts interest and must be cleared in 15 days.

      You can also use Electronic Fund Transfer (NEFT) facility. You can avail of free Demand Drafts from any Canara Bank branch towards payment of your card dues. You also have to option to remit cash or even cheques at any branches of Canara Bank.

    4. How is the interest-free credit period determined?

      You can get a minimum of 20 days interest free on your purchases and a maximum of 50 days. This depends on the date of your transaction and the billing date. If you clear your bills in full every month and do not carry forward a balance, then your interest-free period will reset and begin again. If you pay the minimum due, or partially, then the outstanding amount will attract interest from the due date. Any subsequent purchases will also attract interest immediately, without an interest-free period.

    5. What is the minimum due on my Canara Bank credit card?

      The minimum due is 5% of the billed amount. A minimum of Rs. 100 will be charged.

    6. What is the penalty for missing a payment?

      Missing a payment attracts a penalty of 2% + service tax on the outstanding amount not paid by the due date. Your card will also be temporarily suspended till you clear your debt in full.

    7. What happens if I cannot pay back my credit card bill?

      Use your card wisely, and don’t spend more than you can pay back. In the event you are unable to pay back your dues, your card will be hotlisted. Your default will be reported to CIBIL and included in the negative list. This will hamper your future credit opportunities. Apart from this, Canara Bank has the right to initiate legal action to recover the amount due.

    8. Why does Canara Bank insist I replace my card after going abroad?

      Canara Bank requests you to replace your card with a new one to avoid fraud. Skimming is a practice where fraudsters steal credit card information to make a duplicate. This practice is prevalent abroad. So upon your return, the bank will replace your card for free as a precautionary measure against skimming, duplication and fraudulent charges.

    Other Top Credit Cards By Canara

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