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  • Canara VISA Classic / MASTERCARD Standard Credit Cards

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  • 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 A fee of 3% will be charged when you use Canara Bank ATMs, or a minimum of Rs. 30 for every Rs. 1000 withdrawn or part thereof.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.

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    Canara VISA Classic / MASTERCARD Standard 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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