Canara Bank Credit Card

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Canara Bank is India’s one of the most trusted public sector banks since 1906. It offers many financial products and services to consumers. Its credit cards offer rewarding benefits, lifestyle privileges, and competitive interest-free periods of up to 50 days. It has many credit cards catering to the different needs and shopping habits of cardholders. Canara Bank credit cards provide a mix of rewards, convenience, and security for every customer.

Best Canara Bank Credit Cards

Canara Bank provides a range of credit cards—from premium to everyday options—to meet varied customer needs. Some of the top credit cards:

Best Credit Cards in India | Check Eligibility & Apply Online

How to Apply for a Canara Bank Credit Card Online at MybankingTips

Apply via a Comparison Portal

  • Visit the Website: Go to the Canara Bank credit card section on MybankingTips
  • Choose Your Card: Browse through the available credit card options and choose the credit card that fits your spending habits.
  • Click ‘Apply Now’: Start the application by clicking on the ‘Apply Now’ button.
  • Fill in Your Details: Enter your personal and financial information for eligibility verification.
  • Submit Your Application: Complete and submit the form, and you will receive your application ID for future reference.

Apply via the Canara Bank Website

  • Go to the Official Website: Visit the Canara Bank website and go to the ‘Credit Cards’ section.
  • Select a Card: Choose the credit card that suits your lifestyle and needs.
  • Click ‘Apply Now’: Start the application process by clicking the ‘Apply Now’ button, and follow the on-screen instructions.
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Eligibility Criteria

To be eligible for a Canara Bank credit card, applicants should meet the following basic criteria:

  • Age: Between 21 and 60 years.
  • Employment: Both salaried and self-employed individuals can apply.
  • Credit Score: A healthy credit score of 750 or above can increase your chances of approval.

Documents Required for Canara Bank Credit Cards

Proof of Identity PAN Card, Aadhaar Card, Passport, Voter’s ID, Driver’s License, or any other government-approved photo ID proof.
Proof of Address Aadhaar Card, Passport, Driver’s License, Utility Bill (not older than 3 months), or any other government-approved address proof.
Proof of Income Latest 1-2 salary slips (not older than 3 months), Latest Form 16, and the last 3 months’ bank statement.

Note: Canara Bank may request additional documents as per internal policies.

Canara Bank Credit Card: Fee & Charges

  • Annual Fee: It Varies based on the type of credit card you select.
  • Finance Charges:
    • Premium Cards: Approximately 2.99% per month (35.88% per annum).
    • Other Cards: Around 3.99% per month (47.88% per annum).
  • Late Payment Charges:
    • For amounts up to ₹500 – No charge.
    • For amounts above ₹500 – ₹1,350 or 10% of the outstanding amount (whichever is lower).
Suggested Read : Check 25 Best Credit Cards in India in February 2025 and find the right card as per your spending habits.

Canara Bank Credit Card Features & Benefits

1. Welcome Benefits

  • New cardholders enjoy bonus reward points, gift vouchers, or exclusive offers upon activation after the joining fee is paid.

2. Reward Points and Cashback

  • Earn reward points on every purchase and redeem them for merchandise, travel, dining, or converted to cashback. Certain cards offer extra rewards on special spending categories.

3. Milestone Benefits

  • On achieving pre-defined spending targets cardholders also get additional rewards in form of bonus points, exclusive gifts, or vouchers.

4. Travel Benefits

  • Cardholders enjoy complimentary airport lounge access, discounted hotel bookings and flight tickets, along with concierge services for premium cards.

5. Additional Benefits

  • You can also avail dining discounts, fuel surcharge waivers, and the facility to convert large purchases into EMIs, along with periodic fee waivers on meeting spending thresholds.

Features of Top Canara Bank Credit Cards in India

1. Canara Bank Platinum Rewards Credit Card

  • Travel and Lifestyle Perks: Enjoy unlimited airport lounge access and bonus reward points for travel spends.
  • Reward Points: Earn accelerated points for both online and offline transactions.
  • Additional Perks: Benefit from purchase protection and exclusive offers on dining and entertainment.

2. Canara Bank Titanium Edge Credit Card

  • Cashback Offers: Receive attractive cashback on everyday spends, including groceries, dining, and fuel.
  • Reward Program: Accumulate reward points with every purchase and enjoy easy redemption options.
  • Flexible Payment Options: Convert large transactions into easy EMIs with minimal interest rates.

3. Canara Bank Privilege Credit Card

  • Premium Rewards: Benefit from enhanced reward points on travel and dining spends.
  • Exclusive Services: Avail complimentary concierge services and premium insurance coverage.
  • Competitive Interest: Enjoy a low monthly interest rate along with additional lifestyle privileges.

4. Canara Bank Insta Easy Credit Card

  • Instant Approval: Experience a simplified application process with immediate card activation.
  • Everyday Benefits: Earn reward points on routine purchases and enjoy flexible repayment options.
  • User-Friendly Features: Designed for hassle-free usage, making it ideal for day-to-day transactions.

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How to Activate Your Canara Bank Credit Card

Activation is simple and can be done via multiple channels:

  1. Via Net Banking:
    • Log in to your Canara Bank Net Banking account.
    • Navigate to ‘Credit Cards’ and select ‘Register Credit Card.’
    • Set a 4-digit PIN using OTP verification.
  2. Via Mobile Banking:
    • Download the Canara Bank mobile app.
    • Log in and go to ‘Account Services.’
    • Follow the instructions to set or reset your PIN.
  3. Via Customer Care:
    • Call the Canara Bank toll-free number for assistance with card activation.

How to Pay Canara Bank Credit Card Bills

Canara Bank provides several payment options to suit your convenience:

  • For Canara Bank Account Holders:
    • Net Banking: Log in to your account and pay directly.
    • Mobile Banking: Use the mobile app to make timely payments.
    • Auto-Debit: Set up standing instructions for automatic bill payments.
  • For Non-Canara Bank Account Holders:
    • NEFT/IMPS/RTGS: Transfer funds using the provided IFSC code.
    • Cheque Payment: Drop a cheque at designated Canara Bank branches.
    • Cash Payment: Visit any Canara Bank branch (charges may apply).
    • UPI/Bill Desk: Use UPI or third-party apps to complete your payment.

Dos & Don'ts of Credit Cards

Maximize the benefits of your Canara Bank Credit Card by following these guidelines:

Dos:

  • Pay your bills on time to avoid interest charges.
  • Maintain a low credit utilization ratio.
  • Regularly monitor your credit card statements.
  • Utilize reward points and additional benefits effectively.
  • Understand and adhere to your card’s terms and conditions.

Don'ts:

  • Avoid applying for multiple credit cards simultaneously.
  • Do not make only the minimum payment.
  • Do not ignore your monthly statements.
  • Avoid closing old credit cards unnecessarily.
  • Do not exhaust your entire credit limit.

How to Redeem Canara Bank Credit Card Reward Points

Redeeming reward points is easy and convenient:

Online Redemption:

  • Log in to your Canara Bank Net Banking account.
  • Select “Redeem Reward Points.”
  • Choose your credit card and preferred redemption category (e-gift vouchers, bill payments, travel bookings, etc.).
  • Confirm your selection to complete the process.

Offline Redemption:

  • Contact Canara Bank customer care to initiate a redemption request.

When is the Canara Bank Credit Card Interest Charged?

Interest on your Canara Bank Credit Card is charged under the following conditions:

  • Non-Payment: If you miss the payment due date, interest and a late fee will be applied.
  • Balance Carryforward: Interest accrues on any outstanding balance carried forward.
  • Cash Withdrawals: Interest is charged on cash withdrawals from the date of the transaction until full repayment.

Canara Bank Credit Card Interest-Free Period

Canara Bank credit cards come with an interest-free period of up to 50 days. By paying your full outstanding balance by the due date, you can take full advantage of this grace period and avoid any interest charges.

Canara Bank Credit Card Application Status

Track the progress of your credit card application with ease:

  • Visit the official Canara Bank website and use your application reference number, registered mobile number, or date of birth to check your status.
  • Alternatively, contact customer care or visit the nearest branch for updates.

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Canara Bank Credit Card Balance Transfer

Canara Bank offers a balance transfer facility to help you manage outstanding dues more efficiently. By transferring balances from credit cards issued by other banks, you may benefit from lower interest rates and better repayment terms, subject to eligibility and credit history.

Canara Bank Credit Card Customer Care

For any queries or assistance regarding your Canara Bank Credit Card, you can reach out to customer support through the following channels:

  • Call: Dial the Canara Bank toll-free number.
  • Email: Send your queries to the official Canara Bank customer support email.

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FAQs for Canara Bank Credit Cards

Canara Bank offers a variety of credit cards designed for the different spending needs of cardholders. They offer various benefits from cashback offers, rewards on dining and fuel purchases, and many others.

You can apply for a Canara Bank Credit Card online through two primary methods: a portal like Mybankingtips or the official Canara Bank website.

Individuals aged 21 to 60, whether salaried or self-employed, can apply for a Canara Bank Credit Card. A strong credit score of 750 or higher can enhance your chances of approval

The banks will charge you interest if you miss Canara Bank Credit Card payment. The banks also charge interest on the carried forward balance. Your cash withdrawals also incur interest from the day of withdrawal to repayment.

The banks require several documents such as the PAN Card, Aadhaar Card, Passport, Voter’s ID, or Driver’s License, and proof of address an Aadhaar Card, Passport, Driver’s License, or a recent utility bill. Additionally, you are also required to provide proof of income through recent salary slips, your latest Form 16, and bank statements covering the last three months. Canara Bank can also request additional documentation based on internal policies.

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