About Canara Bank RuPay Platinum Credit Card
The Canara Bank Rupay Platinum Credit Card is a basic, entry-level credit card with no annual fee. Unlike other entry-level cards, it does not provide benefits for specific spending categories, but you earn 2 reward points for every ₹100 spent, whether online or offline. This card is ideal if you are new to credit cards and want a simple, lifetime free option. Read on to see if this card is the right fit for you.
The Canara Bank RuPay Platinum Credit Card is a lifetime free card with no joining or annual fees. It comes with a credit limit of up to ₹25 lakh.
Canara Bank RuPay Platinum Credit Card Rewards Program
Reward Points
- Earn 2 Reward Points on every ₹100 spent, online or offline.
- 1 Reward Point = ₹0.25, so ₹100 spent earns ₹0.50.
- Points can be redeemed for cash against your statement balance.
Other Features and Benefits
Complimentary Accidental Insurance Cover
- Air Accident: ₹8 lakh for self, ₹4 lakh for spouse
- Other Accidents: ₹4 lakh for self, ₹2 lakh for spouse
Other Features
- Up to 4 add-on cards for immediate family members
- Baggage insurance and purchase protection cover of ₹25,000 each
- Credit limit up to ₹25,000 (may vary based on income)
- Post-purchase EMI conversion on transactions above ₹5,000
- Long interest-free credit period of 20–50 days
- EMV CHIP PIN enabled for secure transactions
- Access to international ATMs
- Foreign exchange markup fee: 3% on international transactions
- Welcome benefits provided on card activation
Fees and Charges
| Particulars | Fees / Charges |
| Joining Fee | NIL |
| Annual Fee | NIL |
| Finance Charges | 2.5% per month | 30% per annum |
| Late Payment Fee | 2% of the amount due, subject to a minimum of Rs. 10 and a maximum of Rs. 150 |
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Document Required For Canara Bank RuPay Platinum 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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Canara Bank RuPay Platinum Credit Card Highlights
What do we like about this card?
- Lost Card Liability: Liability limited to Rs. 1,000 from the time you report a lost card
- International ATM Access: Use your card at ATMs worldwide
- Reward Points: Earn 2 reward points for every Rs. 100 spent, including e-commerce transactions
Things to Know Before you apply
Get this card if:
- You are a beginner looking for an entry-level credit card
- You want a credit card with relaxed eligibility criteria
- You prefer Canara Bank as your credit card provider
- You are okay with the low reward rate offered on this card
- You want a card with NIL joining or annual fee
Pros
- Lifetime free card with no joining or annual fees
- Simple, beginner-friendly credit card
- Reward points redeemable for cash
- Complimentary accidental insurance cover
- Option for add-on cards for family members
Cons
- Low reward points rate (₹0.50 per ₹100 spent)
- Limited lifestyle and category-specific benefits
- No airport lounge access
- Foreign exchange markup fee of 3% on international transactions
- Modest welcome benefits compared to other cards
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
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Frequently Asked Questions
Applicants must have a minimum annual salary of Rs. 1 lakh.
No, Canara Bank does not provide an online application facility for this card. You need to visit the nearest branch to apply. Ensure you carry all necessary documents. You can also download the application form from Canara Bank’s website and submit it at the branch.
Yes, you may request a credit limit increase. However, the approval is at the bank’s sole discretion and depends on factors like your monthly income, debt-to-income ratio, payment history, and other eligibility criteria. Contact Canara Bank Credit Card Customer Care for more details.
Reward points are earned on all online and offline purchases except for:
Cash withdrawals
Disputed, refunded, returned, or cancelled transactions
Balance transfer transactions
Foreign currency purchases
Applicable fees and charges such as interest and annual fees
No, this card does not provide any complimentary airport lounge access. If you want lounge access benefits, you may consider the Canara RuPay Select Credit Card.
Yes, you can convert your outstanding balance into EMIs even if you pay only the minimum amount due. This makes it easier to manage large payments.
