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Features of the Canara Bank IRCTC RuPay Platinum Credit Card

  • Reward Points Program: One of the standout features of the Canara Bank IRCTC RuPay Platinum Credit Card is its rewards program, which incentivizes spending by offering reward points on transactions. Cardholders earn 2 reward points for every Rs. 100 spent on both online and offline purchases, including e-commerce transactions. This reward rate applies universally across various spending categories, such as retail, dining, and travel, except for fuel purchases and utility bill payments, which do not accrue reward points. Each reward point is valued at Rs. 0.25, providing a reward rate of 0.5% per transaction. The reward points are valid for 3 years from the date of accrual, giving cardholders ample time to accumulate and redeem them.
  • Travel-Related Benefits: As a co-branded card with IRCTC, the Canara Bank IRCTC RuPay Platinum Credit Card offers specific advantages for railway travelers. One key feature is the 1% waiver on railway transaction charges for bookings made through the IRCTC website or mobile app. This applies to transactions up to Rs. 5,000, providing modest savings for frequent train travelers. Additionally, the card offers up to 10% value back as reward points on bookings for AC1, AC2, AC3, Executive Chair Car, and Chair Car tickets through IRCTC platforms, making it particularly appealing for those who frequently book premium railway tickets.
Bank of Baroda Premier Credit Card
    • Lifetime Free Card: A major highlight of the Canara Bank IRCTC RuPay Platinum Credit Card is that it is a lifetime free credit card, meaning it has no joining fee or annual fee. This makes it an attractive option for individuals seeking a cost-effective credit card without recurring charges. The absence of annual fees ensures that cardholders can enjoy the card’s benefits without worrying about additional costs, making it ideal for budget-conscious users or those new to credit cards.
    • Insurance Coverage: The card offers comprehensive travel-related insurance benefits, which is a significant feature for an entry-level card. It includes personal air accident insurance coverage of Rs. 8 lakhs for the primary cardholder and Rs. 4 lakhs for the spouse. Additionally, it provides other accident insurance coverage of Rs. 4 lakhs for the cardholder and Rs. 2 lakhs for the spouse. The card also offers baggage insurance and purchase protection up to Rs. 25,000 each, safeguarding cardholders against loss or damage to luggage and purchased goods. These insurance benefits enhance the card’s appeal for travelers and shoppers, providing peace of mind during journeys or while making significant purchases.
    • Contactless Payment Technology: The card is equipped with RuPay Contactless technology, allowing cardholders to make quick and secure payments by simply waving the card at compatible point-of-sale (POS) terminals. This feature is particularly convenient for small-ticket purchases (up to Rs. 5,000), as it eliminates the need to swipe or insert the card, reducing transaction time. The contactless feature includes a unique security key to ensure that only one transaction is processed even if the card is waved multiple times, minimizing the risk of fraud or duplicate charges.
    • Cash Withdrawal Facility: Cardholders can access a cash withdrawal facility through Canara Bank ATMs or other ATMs displaying the RuPay logo. The cash withdrawal limit is 50% of the credit limit, subject to a maximum of Rs. 50,000 per billing cycle. A cash advance fee of 3% of the transaction amount (minimum Rs. 30) applies, and finance charges of 24% per annum are levied from the date of withdrawal until repayment. This feature provides financial flexibility for cardholders in need of immediate cash, though it should be used judiciously due to the associated costs.
    • Interest-Free Credit Period: The card offers an interest-free credit period ranging from 20 to 50 days, depending on the transaction date and billing cycle. This allows cardholders to make purchases without incurring interest, provided the outstanding balance is paid in full by the due date. This feature is particularly beneficial for managing cash flow, as it provides a grace period for repayments without additional costs.
    • EMI Conversion Option: The Canara Bank IRCTC RuPay Platinum Credit Card allows cardholders to convert big-ticket purchases into Equated Monthly Installments (EMIs) through the Canara ai1 app or by contacting customer care. This feature is useful for managing large expenses, such as electronics or travel bookings, by spreading payments over several months. The minimum transaction amount eligible for EMI conversion is typically specified by the bank, and cardholders can check with merchants at the time of purchase or with the bank post-transaction to avail this facility.
    • Global Acceptance: The card is enabled for domestic usage by default but can be activated for international transactions upon request through Canara Bank’s net banking, mobile banking, or by visiting a branch. It is accepted at all merchant establishments and ATMs displaying the RuPay logo, ensuring wide usability both in India and abroad (once global usage is activated). This feature makes the card versatile for travelers and those making international online purchases
    • Fraud Liability Protection: In case of card loss, the cardholder’s liability is limited to Rs. 1,000 from the time the loss is reported to the bank. Additionally, the card offers fraudulent charge cover worth up to Rs. 5 lakhs, protecting cardholders against unauthorized transactions. This feature enhances the card’s security, providing confidence to users when using it for online or offline purchases.
    • Additional Merchant Offers: The card provides access to exclusive merchant offers through the RuPay network and Canara Bank’s partnerships. These include discounts on dining, shopping, and travel bookings through platforms like GoIbibo, where cardholders can avail 12% off on domestic flights, 15% off on hotel bookings, 9% off on bus bookings, and 10% off on outstation taxi bookings. These offers enhance the card’s value for lifestyle and travel-related spending.
    • Revolving Credit Facility: The card includes a revolving credit facility, allowing cardholders to pay a minimum of 5% of the bill (subject to a minimum of Rs. 100) and carry forward the remaining balance to the next billing cycle. The unpaid amount incurs a finance charge of 2.5% per month (30% per annum), providing flexibility for those who need to manage payments over time. However, cardholders should be cautious, as carrying a balance can lead to significant interest costs.
    • Add-On Card Facility: The card offers an add-on card facility, allowing primary cardholders to issue supplementary cards to family members. These add-on cards share the same credit limit and reward points program, making it convenient for families to manage expenses while earning rewards collectively.
    • Secure Transactions: The card is equipped with an EMV chip for enhanced security, protecting against fraud and skimming. Transactions at POS terminals and ATMs require a PIN, adding an additional layer of protection. The contactless feature also includes safeguards to prevent unauthorized transactions, ensuring safe usage across various platforms.
    • Credit Limit: The credit limit for the Canara Bank IRCTC RuPay Platinum Credit Card ranges up to Rs. 25 lakhs, determined based on the applicant’s income, credit score, and other financial factors. Cardholders can request a credit limit increase, subject to the bank’s discretion, based on factors like payment history and debt-to-income ratio.
    • Summary: The Canara Bank IRCTC RuPay Platinum Credit Card is a feature-rich, entry-level credit card tailored for railway travelers and everyday spenders. Its rewards program, travel benefits, lifetime-free status, and comprehensive insurance coverage make it a compelling choice for those seeking a cost-effective card with practical perks. The contactless payment technology, EMI conversion option, and global acceptance further enhance its usability, while security features ensure safe transactions.
Premier Card Benefits

Benefits of the Canara Bank IRCTC RuPay Platinum Credit Card

  • Cost Savings with Lifetime Free Status: One of the most significant benefits of this card is its lifetime free status, with no joining or annual fees. This eliminates the recurring costs typically associated with credit cards, making it an excellent choice for budget-conscious individuals or those new to credit cards. Cardholders can enjoy all the card’s features and benefits without worrying about annual maintenance charges, ensuring long-term savings.
  • Reward Points for Everyday Spending: The card’s rewards program is a key benefit, offering 2 reward points for every ₹100 spent on most transactions, including online and offline purchases. With each reward point valued at ₹0.25, this translates to a 0.5% reward rate, which is competitive for an entry-level card. Cardholders can accumulate points on a wide range of spends, such as dining, shopping, and travel bookings, and redeem them for merchandise, gift vouchers, mobile/DTH recharges, or cashback through the Canara Rewards portal.
    • Enhanced Travel Benefits: The co-branded nature of the card with IRCTC makes it particularly beneficial for railway travelers.
    • Railway Lounge Access: Complimentary lounge access at select railway stations (1 visit per quarter, up to 4 per year) enhances comfort before travel—a rare perk for entry-level credit cards.
    • Comprehensive Insurance Coverage: Includes personal air accident cover (₹8L for cardholder, ₹4L for spouse), general accident cover (₹4L and ₹2L respectively), and ₹25,000 each for baggage and purchase protection.
    • Interest-Free Period & Revolving Credit: 20 to 50 days of interest-free credit (if dues paid in full). Revolving credit allows payment of only 5% of the bill, with 2.5% monthly interest on unpaid amounts.
    • EMI Conversion: Convert big purchases into EMIs via the Canara ai1 app or customer care. Useful for travel, gadgets, or appliances.
    • Travel & Lifestyle Discounts: Enjoy RuPay partner offers: 12% off on flights, 15% on hotels, 9% on buses, and 10% on outstation taxis via GoIbibo.
    • Secure Contactless Payments: Tap-to-pay feature for purchases under ₹5,000 adds speed and safety. EMV chip and PIN safeguard against fraud.
    • Fraud & Liability Protection: Up to ₹5 lakh cover for fraudulent charges. Lost card liability limited to ₹1,000 post-reporting.
    • Cash Withdrawal Facility: Withdraw up to 50% of credit limit (₹50,000 max per billing cycle) at ATMs. 3% fee and 24% p.a. interest apply.
    • International Usability: Enable global transactions via mobile/internet banking or branch visit. Ideal for international shopping and travel.
    • Add-On Card for Family: Issue supplementary cards to family members. Share credit limit and earn collective reward points.
    • Build Credit History: Ideal for first-time users with minimal eligibility criteria. Helps improve credit score with timely repayments.
    • Lifetime-Free Card: No joining or annual fee, making it a cost-effective entry-level credit option with significant perks.
    • Customer Support & App Integration: Access services via 1800-425-0018 helpline or Canara ai1 app for account management, reward redemption, and more.
    • UPI Compatibility: Use the card with UPI apps for QR payments and rewards, enhancing usability in physical and digital spaces.
    • Digital Account Management: View balances, statements, and transactions easily via Canara Bank's net banking or mobile app platform.
    • RuPay Network Privileges: Access curated RuPay lifestyle offers on dining, shopping, wellness, and entertainment.
    • Card Summary: The Canara Bank IRCTC RuPay Platinum Credit Card delivers unmatched value with railway perks, zero fees, insurance, and lifestyle benefits—ideal for frequent travelers and first-time users.
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How to Apply for the Canara Bank IRCTC RuPay Platinum Credit Card

  • Step-by-Step Application Process:
    • Visit the official Canara Bank website to understand features, eligibility, and fees of the IRCTC RuPay Platinum Credit Card.
    • Download the credit card application form from the “Application Forms” section on the website (available in PDF).
    • Print and fill out the form with accurate personal, financial, and employment details.
    • Visit your nearest Canara Bank branch to submit the completed form along with supporting documents.
  • Required Documents:
    • Identity Proof: Aadhaar card, PAN card, Passport, or Voter ID.
    • Address Proof: Aadhaar card, Utility Bill, or Passport.
    • Income Proof: Recent salary slips, Form 16, or Income Tax Returns.
  • In-Branch Submission:
    • Visit a Canara Bank branch with the completed form and documents.
    • Submit to the bank executive who will verify details and may ask clarifying questions.
  • Application Verification and Processing:
    • Canara Bank will verify your credit score, income, and other eligibility criteria.
    • Processing typically takes 7–14 working days depending on documentation and branch workload.
  • Approval and Card Issuance:
    • On approval, the credit card is dispatched to your registered address.
    • You’ll receive instructions to activate the card and generate a PIN.
  • Card Activation:
    • Activate the card using the Canara ai1 app, internet banking, or by calling customer care.
    • Generate a secure PIN for ATM, POS, and online usage.
  • Post-Application Recommendations:
    • Track your application by calling customer care or visiting the branch where you applied.
    • Download the Canara ai1 app to manage your card, check balances, and redeem rewards.
  • Application Tips:
    • Ensure eligibility in terms of age, income, and credit score before applying.
    • Double-check all document copies and fill the form accurately to avoid rejections.

Eligibility Criteria for the Canara Bank IRCTC RuPay Platinum Credit Card

  • Age Requirements:
    • Applicants must be between 21 and 60 years old.
    • Add-on cardholders can be 18 years or older, with the primary cardholder’s consent.
  • Income Requirements:
    • Minimum annual gross income of ₹1.67 lakh (approx. ₹13,917/month) for general applicants.
    • For Canara Bank staff: Minimum annual gross income of ₹60,000 and net take-home salary of ₹4,000/month.
    • Salaried: Must submit salary slips or Form 16 as proof.
    • Self-Employed: Should submit ITRs, bank statements, or business financials.
  • Nationality:
    • Available to Indian residents and NRIs.
    • NRIs must provide additional documents such as a valid passport or visa.
  • Credit Score:
    • Preferred credit score: 750+ on a scale of 300–900.
    • Applicants new to credit may still be eligible if other criteria are met.
  • Banking Relationship:
    • Having an account with Canara Bank is not mandatory but helpful.
    • Power Plus account holders or those with AQB of ₹1 lakh may receive priority.
  • Employment Stability:
    • Salaried: Minimum 1–2 years of stable employment is recommended.
    • Self-Employed: Business should be operational for 2–3 years.
  • Debt-to-Income Ratio:
    • Should be reasonable to ensure repayment capacity.
  • Location:
    • Applicants must reside in a location serviced by Canara Bank branches.
  • Tips to Improve Eligibility:
    • Maintain a low credit utilization ratio (preferably below 30%).
    • Pay off outstanding dues and avoid recent credit inquiries.
    • Maintain updated income proofs such as salary slips or ITRs.
    • Open or maintain a relationship with Canara Bank through savings or current accounts.
  • Application Process Assistance:
    • Applicants may contact customer care at 1800-425-0018 to verify eligibility in advance.
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Documents Required for the Canara Bank IRCTC RuPay Platinum Credit Card

  • Identity Proof
    • Aadhaar Card: A widely accepted government-issued ID with a unique 12-digit number.
    • PAN Card: Mandatory for financial transactions and tax purposes (Form 60 if PAN is unavailable).
    • Voter ID: Issued by the Election Commission of India.
    • Passport: Valid for both residents and NRIs.
    • Driving License: Issued by the Regional Transport Office.
  • Address Proof
    • Aadhaar Card: Can serve as both identity and address proof.
    • Passport: Includes address details.
    • Voter ID:Contains residential address.
    • Utility Bills: Recent electricity, water, or gas bills (not older than 3 months).
    • Rental Agreement: If residing in a rented property.
    • Bank Statement: With address details, issued within the last 3 months.
  • Income Proof
    • Salary Slips: Last 3 months’ salary slips for salaried employees.
    • Form 16: Issued by the employer, showing tax deductions.
    • Income Tax Returns (ITR): Last 2-3 years’ ITR for self-employed individuals.
    • Bank Statements: Last 3-6 months’ statements showing salary credits or business income.
    • Pay Certificate: For salaried employees, issued by the employer.
  • Business Documents (for Self-Employed)
    • Partnership Deed: For partnership firms.
    • Memorandum of Association (MOA) and Articles of Association (AOA): For companies.
    • Financial Statements: Last 3 years’ balance sheets and profit/loss statements.
  • Additional Documents
    • Board Resolution: For corporate applicants, as per the bank’s format.
    • Photograph: Recent passport-sized photographs (typically 2-4).
    • Credit Card Statement: If applying for a card against an existing credit card with another bank.
    • KYC Documents: Additional KYC documents like a ration card or government-issued ID for specific cases.
  • Preparation Tips
    • Organize Documents: Keep all documents in a folder, with clear photocopies and originals ready for verification.
    • Cross-Check Application Form: Match the details in the application form with those in the documents to avoid discrepancies.

Factors to Consider for Canara Bank IRCTC RuPay Platinum Credit Card

  • Financial Implications
    • No Annual Fees: The card’s lifetime-free status is a major plus for cost-conscious users.
    • Finance Charges: 2.5% per month (30% annually) on unpaid dues and 24% p.a. on cash withdrawals. Avoid carrying balances to prevent high interest.
    • Cash Advance Fees: 3% (min ₹30) per withdrawal, which can become costly with frequent usage.
  • Reward Program Value
    • Earn 2 reward points per ₹100 spent with a redemption value of ₹0.25 per point (0.5% reward rate).
    • May not suit users looking for high reward rates or premium redemption options.
  • Travel Benefits Suitability
    • Ideal for train travelers: 1% IRCTC booking waiver, 10% value back on premium bookings, lounge access.
    • Limited value if you don’t travel frequently by train.
  • Insurance Coverage
    • Offers ₹8 lakh air accident cover and ₹25,000 baggage loss insurance.
    • Mostly travel-focused—check if it suits your personal needs.
  • Credit Limit
    • Credit limit up to ₹25 lakh depending on income and credit score.
    • May not suit users needing very high limits unless negotiated.
  • Application Process
    • No online application—must visit a Canara Bank branch.
    • Could be inconvenient for users in remote locations or with time constraints.
  • Payment Flexibility
    • EMI conversion and revolving credit available.
    • 2.5% monthly finance charge on outstanding balances can be expensive.
  • Security and Usability
    • Offers EMV chip, contactless payment, and fraud liability protection.
    • RuPay network acceptance may be limited internationally compared to Visa or Mastercard.
  • Customer Support
    • 24/7 helpline 8885545255 and Canara ai1 app available.
    • Assess customer service reviews before relying on support.
  • Suitability for Credit Building
    • Good option for first-time users or those building credit history.
    • Not ideal for high-spenders or users with excellent credit who seek premium perks.
  • Comparison with Alternatives
    • Compare with IRCTC SBI RuPay Card or other travel-centric credit cards.
    • Weigh reward structures, ease of application, and card network coverage.

Frequently Asked Questions (FAQs) – Canara Bank IRCTC RuPay Platinum Credit Card

1. What is the Canara Bank IRCTC RuPay Platinum Credit Card?
The Canara Bank IRCTC RuPay Platinum Credit Card is a co-branded credit card launched in collaboration with IRCTC and NPCI. It is designed especially for frequent Indian Railways travelers and offers reward points and cashback on IRCTC bookings and retail spending.
2. Who is eligible to apply for this credit card?
To apply, you must:
• Be an Indian resident
• Be between 21 and 60 years old
• Have a stable source of income (salaried or self-employed)
• Maintain a satisfactory credit score as per bank policy
3. What are the key benefits of the Canara Bank IRCTC RuPay Platinum Credit Card?
Key benefits include:
• 1% transaction waiver on IRCTC bookings
• Reward points on all spends (especially on railway bookings)
• Complimentary RuPay Platinum privileges
• Fuel surcharge waiver
• Contactless payment facility
4. How do I apply for the Canara Bank IRCTC RuPay Credit Card?
You can apply by visiting the nearest Canara Bank branch or through the official Canara Bank website. Some third-party platforms may also offer application services. Basic documents like PAN card, identity proof, address proof, and income proof are required.
5. Is there any joining or annual fee?
Yes. There is a nominal joining fee and annual fee, but these may be waived based on usage. Always check the latest fee details on the Canara Bank or IRCTC official website or card brochure before applying.
6. How can I earn reward points?
You earn reward points on every transaction. For IRCTC bookings, you typically earn more points per ₹100 spent compared to regular retail transactions. These points can be redeemed for IRCTC bookings and other rewards.
7. Where can I use this card?
This card can be used for:
• Booking train tickets on the IRCTC website/app
• Retail shopping (online and offline)
• Bill payments
• Fuel purchases (eligible for surcharge waiver)
• Anywhere RuPay cards are accepted
8. What are the RuPay Platinum card benefits?
As a RuPay Platinum cardholder, you can enjoy:
• Lounge access at selected railway stations
• Exclusive merchant offers
• Accidental insurance coverage
• Concierge services, depending on the current RuPay Platinum program
9. How do I check my reward point balance?
You can check your reward point balance:
• Through Canara Bank internet banking or mobile app
• By calling customer care
• By logging into the IRCTC loyalty program account if points are integrated
10. Does this card provide any insurance coverage?
Yes. The card comes with complimentary accidental insurance, usually offered under the RuPay Platinum benefits. You need to activate the card and use it regularly to keep insurance active. Check T&Cs for exact coverage details.
11. Is there a fuel surcharge waiver?
Yes, there is usually a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at petrol pumps across India, subject to a maximum waiver limit per statement cycle.
12. Can I convert my big purchases into EMIs?
Yes. Canara Bank offers the facility to convert eligible large purchases into equated monthly installments (EMIs) at attractive interest rates. You need to request EMI conversion within a specified period after the transaction.
13. How can I redeem my reward points?
Reward points can generally be redeemed through the Canara Bank rewards portal or the IRCTC platform, depending on integration. Options may include ticket bookings, merchandise, gift vouchers, or cashback.
14. How do I report a lost or stolen card?
Immediately call Canara Bank customer care or use internet/mobile banking to block the card. You should also file an FIR and request a replacement card.
15. What should I do if my application is rejected?
If your credit card application is rejected, you can:
• Contact the bank to know the reason
• Check and improve your credit score
• Apply again after addressing the issue (like low income or poor credit history)

List of Canara Bank Branches in Andhra Pradesh

  • Mantralayam - Temple Road
  • Dhone - Kambala Street
  • Nellore - Subedarpet
  • Andhra Pradesh - Kavali
  • Gudur - Overbridge Road
  • Venkatagiri - Railway Station Road
  • Sullurpeta - G N T Road
  • Naidupet - Temple Street
  • Ongole - Kurnool Road
  • Andhra Pradesh - Chirala
  • Markapur - College Road
  • Addanki - Nagulapadu
  • Giddalur - Komarolu Road
  • Kandukur - Pamur Road
  • Srikakulam - G T Road
  • Amadalavalasa - Main Road
  • Narasannapeta - Bus Stand Road
  • Atmakur - Nellore Road
  • Kanigiri - Main Road
  • Andhra Pradesh - Palasa