Canara Bank Credit Card Features

On this page: Rewards Program Fees and Charges Eligibility and Documents Required Customer Care FAQs

Canara Bank’s Loyalty Program for Canara Credit Card users gives 2 reward points for every Rs. 100 spent using your credit card. Points shall be awarded for transactions in multiples of Rs. 100. You can earn Reward points by making payments to buy a product or pay for a service.

Accumulated Reward points shall remain valid up to 3 years from the date of accrual. If the customer fails to redeem these points before the expiry date, the same would get lapsed.

How to redeem reward points?

• Cashback: Minimum redeemable reward points accepted for cashback is fixed at 1000 reward points and in multiples of 100. These Reward points can be redeemed every quarter
• Purchase of Goods and Services: Minimum redeemable reward points accepted for purchase of goods and services is fixed at 100 reward points. These reward points redeemable regularly

Suggested Read: Check 25 Best Credit Cards in India 2024 and find the right card as per your spending habits.

Common charges applicable to all Canara Bank credit cards are shown in the table below:

Category	Value
Joining Fee	Nil
Cash Withdrawal Fee	3% of the amount / Min. Rs. 30 per Rs. 1,000 or part thereof
Enrolment Fee	Canara Card Visa Corporate – Rs. 250 (Main Card); Rs. 400 (Add-on card)
Card Inactivity Fee	Canara Card Visa Classic/MasterCard Standard (Primary Card) – Rs. 400; Add-on card Rs. 300, if spends are below Rs. 12,000 Canara Card Gold (Main & Add on) – Rs. 750, if spends are below Rs. 25,000
Finance Charges	2.5% p.m. / 30% p.a.
Minimum Payment	5% of the billed amount. Min. Rs. 100
Foreign Transaction Fee	Up to 3%
Duplicate Statement Charge	Rs. 10 per page
Cheque Dishonour Fee	Rs. 50
Reminder Fee on Overdue Amount	Rs. 50 per notice
Delayed Payment Fee	For Revolving Credit- 2%; Min. Rs. 10/Max. Rs. 150 For Non-Revolving Credit- 2%; Min. Rs. 20/Max. Rs. 300

Eligibility Criteria

Canara Bank credit cards are offered to individuals who meet the eligibility criteria set by the bank. These include your credit score, age, monthly income, location, etc.

The bank mandated eligibility criteria are:

Credit Card	Criteria
Canara Visa Classic / Mastercard Standard Global Card	Mininum Annual Income – Rs. 1 Lakh Prior Satisfactory relationship with the bank
Canara Global Gold Credit Card	Minimum Annual Income – Rs. 2 Lakh Prior Satisfactory relationship with the bank
Canara Corporate Credit Card	Corporations with credit limit must have S1 and S2 status with the bank Corporations without  credit limit must have 12 months of satisfactory dealings

Documents Required for Canara Bank Credit Card Application

Certain documents are also required in order to process Canara Bank credit card application. These are given in the table below.

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

Documents Required for Canara Bank Corporate Credit Card

• Board Resolution papers as per the Performa furnished by the Bank or credit card division
• Partnership deed in case of firms or Memorandum of Association and Articles of Association for companies
• Financial statements of the company for the last 3 years
• Any relevant constitution papers or financial papers

In case of any issues customers can get in touch with Canara Bank credit card customer care cell. The toll-free number is

1800-425-0018

Additional details can be found here.

How can I know my Canara Bank credit card balance?

You can call on the customer care helpline number to know your credit card balance. The number is 1800-425-0018. If you want to know the complete statement, follow the steps given here.

What is the minimum salary to apply for Canara Bank credit card?

The minimum salary must be Rs. 1 Lakh per annum.

Does the bank offer loans on credit cards?

No, the bank does not provide loans against credit cards.

Can I convert my outstanding bills into EMIs?

Yes, you can convert your outstanding balance into EMIs as long as they pay the minimum amount due.

Can I apply for Canara Bank Credit Card online?

No. Canara Bank does not provide online application facility. You must visit the nearest branch to apply.

What is the validity period of Canara Bank credit cards?

The validity period of the credit cards is 3 years. This is a security measure and ensures that all the credit cards are updated with the latest security protocols.

Can I request for a credit limit enhancement?

You may try to get your credit limit increased. Do note that the decision is at the bank’s sole discretion. Contact the customer care cell to get request for credit card limit increase.