Canara Bank RuPay Classic Credit Card
Canara Bank Canara Bank

Canara Bank RuPay Classic Credit Card

/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Fuel Fuel
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Welcome benefits:- N/A

Check your eligibility For This Card

this will not affect your credit score

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms & Conditions & Privacy Policy

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Canara Bank RuPay Classic Credit Card

The Canara Bank RuPay Classic Credit Card is an ideal choice for anyone looking for a simple and effective way to manage their money. This basic credit card comes with no joining fee and is lifetime free, making it easily accessible to all. Cardholders can enjoy up to 50 days of interest-free credit, allowing purchases without immediate payment pressure. For those who prefer to spread out their expenses, the card also offers easy EMI conversion through the Canara ai1 app. In addition to shopping, users can withdraw cash from ATMs and carry out various non-financial transactions. The card is widely accepted both online and offline, domestically and internationally, offering convenience and flexibility in spending. On top of that, every transaction earns Reward Points, making each purchase more rewarding.

Canara Bank RuPay Classic Credit Card Rewards Program

  • Reward Rate: Earn 2 Reward Points for every ₹100 spent on PoS or e-commerce transactions.
  • Reward Value: 1 Reward Point = ₹0.25.
  • Redemption Options: Redeem points on CanaraRewardz for cashback or for purchasing goods.
  • Flexible Usage: All earned Reward Points can be used across a variety of redemption options, making every transaction rewarding.

Other Features and Benefits

  • Enjoy up to 50 days of interest-free credit on purchases.
  • Convert purchases into easy EMIs through the Canara ai1 app.
  • Withdraw cash from ATMs and access other non-financial services.
  • Shop at merchant outlets using PoS and earn rewards.
  • Shop online and enjoy exclusive discounts.
  • Accepted domestically and internationally for seamless transactions.
  • Lifetime-free card with zero annual, joining, or enrollment fees.
  • Earn Reward Points on every PoS and e-commerce transaction.

Fees and Charges

  • No enrollment or annual fees for the card.
  • Inactivity Fee: ₹100 if total annual transactions are less than ₹12,000.
  • Interest on Minimum Payment: 2.5% per month on any outstanding balance if only the minimum due is paid.
  • Card Replacement Fee: ₹300 per card (primary or add-on).
  • Foreign Currency Transaction Fee: Up to 3% of the transaction amount.
  • Cash Withdrawal Fee: 3% of withdrawn amount at Canara Bank ATMs (minimum ₹30 per ₹1,000).
  • Late Payment Fee: ₹250 plus GST, along with interest on the overdue balance.

Things to Know Before you apply

Get this card if:

  • You are looking for a basic, lifetime-free credit card with zero joining and annual fees.
  • You want to earn reward points on every transaction, both online and offline.
  • You prefer a card that allows interest-free credit of up to 50 days.
  • You want the flexibility to convert purchases into easy EMIs via the Canara ai1 app.
  • You need domestic and international acceptance for shopping and ATM withdrawals.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For Canara Bank RuPay Classic Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Canara Bank RuPay Classic Credit Card Hilights

What do we like about this card?

  • Lifetime-free card with no joining fee.
  • Earn Reward Points on every transaction, making each purchase rewarding.
  • Enjoy up to 50 days of interest-free credit on purchases.
  • Option to convert purchases into easy EMIs via the Canara ai1 app.
  • Cash withdrawal facility available at ATMs.

Pros

  • Lifetime-free card with no joining or annual fees.
  • Earn 2 reward points for every ₹100 spent on PoS and e-commerce transactions.
  • Interest-free credit period of up to 50 days.
  • Easy EMI conversion via Canara ai1 app.
  • Domestic and international acceptance.

Cons

  • Low reward rate (2 points per ₹100, equivalent to ₹0.25 per point).
  • Foreign currency transactions attract up to 3% fee.
  • Cash withdrawals incur a 3% fee (minimum ₹30 per ₹1,000).
  • Late payment fees and monthly interest (2.5%) on outstanding balances.

Canara Bank Credit Card Contact Details

  • Contact Address: Canara Bank Card Division, No. 29, K R Road, Basavanagudi, Bengaluru – 560004, Karnataka, India
  • Helpline (24x7): 1800 103 0011 (Toll-Free) 1800 208 3333 (Alternate Toll-Free) +91 80 2206 2222 (For chargeable/international calls)
  • Simply SMS: Send "CANRUPAY" to 56156 from your registered mobile number

Frequently Asked Questions

Everything you need to know about this credit card

You can redeem your Reward Points for cashback or goods purchases via the CanaraRewardz portal. Each reward point is valued at ₹0.25.

Yes, if your annual spending is less than ₹12,000, a fee of ₹100 will be levied.

No, this is a lifetime-free credit card. There are no annual fees applicable.

Yes, eligible purchases can be converted into easy EMIs. Please contact Canara Bank customer care to check EMI options and applicable processing fees.

The card provides an interest-free period of up to 50 days, provided the full outstanding amount is paid by the due date.

A nominal late payment fee will be charged if the dues are not paid on time. For revolving credit, the penalty is 2% of the outstanding amount (minimum ₹10, maximum ₹150). For non-revolving accounts, the fee is 2% of the outstanding (minimum ₹20, maximum ₹300).

You can check your balance and monthly statement by calling Canara Bank Credit Card Customer Care or through Net Banking and mobile banking apps.

Yes, add-on cards can be issued to family members, and the credit limit is shared with the primary cardholder.

Explore other Card Categories

Explore Cards from All Banks

Card Icon
You're Pre-Approved - Unlock Exclusive Credit Card Offers!
Choose from 80+ Credit Cards
Compare Top Deals Instantly
Apply Now