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Features of Canara Bank Credit Cards

  • Reward Points: Earn points on every spend, redeemable for gifts/vouchers.
  • Fuel Surcharge Waiver: Available on select cards.
  • Contactless Payments: NFC-enabled for secure tap-and-pay transactions.
  • EMI Facility: Convert big purchases into easy installments.
  • Zero Liability Protection: Fraud protection for unauthorized transactions.
  • Complimentary Insurance: Some cards offer travel or accident cover.
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Benefits of Canara Bank Credit Cards

  • Cashback & Discounts: Exclusive offers on dining, shopping, and travel.
  • Easy Bill Payments: Pay utility bills, insurance, and more via card.
  • Flexible Repayment: Choose between full payment or minimum due.
  • Global Acceptance: Use internationally (forex markup applies).
  • Add-on Cards: Share benefits with family members.

How to Apply for a Canara Bank Credit Card?

  • Online Application: Go to the Credit Cards section.
  • Select Card: Choose the preferred card and click "Apply Now".
  • Fill Details: Personal, employment, and financial details.
  • Upload Documents: ID, address, income proof.
  • Submit & Await Approval: Bank will verify details and process application.

Eligibility Criteria

  • Age: 21-65 years (primary cardholder).
  • Income: Minimum salary as per card variant (e.g., ₹15,000/month for basic cards).
  • Credit Score: 750+ (preferred for higher approval chances).
  • Employment: Salaried, self-employed, or business owners.
  • Existing Account Holders: Pre-approved offers for Canara Bank customers.

Factors to Consider Before Choosing a Card

  • Spending Habits: Pick a card that matches your expenses (fuel, travel, shopping).
  • Annual Fees: Compare fee waivers (e.g., free for first year or spend-based waiver).
  • Interest Rate: Check APR (Annual Percentage Rate) for revolving credit.

Usage of Canara Bank Credit Cards

  • Shopping: Online/offline purchases with reward points.
  • Travel: Book flights/hotels with discounts & lounge access.
  • Fuel: Surcharge waiver at petrol pumps.
  • Cash Withdrawal: ATM withdrawals (higher interest applies).
  • Digital Payments: UPI, Google Pay, Paytm (via linked card).

FAQs on Canara Bank Credit Cards

How to activate my Canara Bank credit card?
Call customer care or use net banking/mobile app for activation.
What is the credit limit on Canara Bank cards?
Varies based on income, credit score, and card type (₹20,000 to ₹5L+).
How to check Canara Bank credit card balance?
Via SMS, net banking, mobile app, or customer care.
Are there any joining/annual fees?
Depends on card variant (some have lifetime free options).
How to redeem reward points?
Log in to net banking or visit rewards portal for redemption.
What if my card is lost/stolen?
Immediately block it via customer care/net banking and request a replacement.
Can I convert purchases into EMI?
Yes, via net banking or by contacting customer support.

List of Canara Bank Credit Cards