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Canara Bank

Canara Bank
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Canara Bank is widely known for its customer-centric approach. It has tied up with both VISA and MasterCard organizations for Credit Cards, both are known internationally and has its presence in most of the countries across the world. The existing bank account holders will be provided with both the debit and credit cards at the time of opening of the savings account with the Bank. The credit cards provided by the bank can be used for general domestic purposes. The global credit card will be issued after the card-holder expresses request to do so.

List of Canara Bank Credit Cards

About Canara Bank

Canara Bank is one of the premier commercial banks in India.

It has a distinct track record in the service of India for more than glorious 111 years. It is headquartered in Bengaluru.digit

Currently, it has its presence through 6179 branches and 9743 ATMs catering to all the segments of the society. It has a clientele accounts base of whopping 8.18 crore. Apart from the bank's operations in the domestic country, it has its presence in overseas branches located at London, Shanghai, New York, Leicester, Manama, Hong Kong, Johannesburg, DIFC (Dubai) and a representative office at Sharjah, UAE.

Canara Bank was founded as ‘Canara Bank Hindu Permanent Fund’ in the year 1906 by late Shri Ammembal Subba Rao Pai. It became a limited company as ‘Canara Bank Ltd’ in 1910 and later became Canara Bank in the year 1969 post nationalization.

Features of Canara Bank Credit Card

 • SMS Alerts – Free SMS alerts will be provided on all the transactions. One has to provide a mobile phone number for activating this facility.

Reward Programme – The bank has tie ups with M/s Loyalty Rewardz Programme. It provides rewards points for every purchase transactions of Rs 100 and above. The value of one reward point is Re 0.25. A dedicated website for registration, viewing the accumulated reward points and redemption of the accumulated points is available at www.canararewardz.com. An individual can earn more reward points under ‘Maxgetmore’ programme.

• Zero Lost Card Liability – In case of loss or mutilation of a credit card, the same will be replaced at free of cost without charging anything from the cardholder, for transactions in excess of Rs 2,000 from the time they report the loss of the card to the bank at the following address in writing. The cardholder will be liable for all the charges incurred on the card before they report about the loss of their respective credit card.

Accident Insurance – Canara Bank provides free accident insurance facilities to the cardholders. It provides accident insurance cover to both the cardholder and spouse against the risk of death. The cardholders are covered against risk of death due to accident and air crash free of cost. Upon accidental death, the cover will be first utilized to offset the balance outstanding on the Canara Credit Card. Any balance of the cover remaining will later be paid to the credit card-holder's nominee.

Card Protection – Canara Bank provides card protection in case of a loss of credit card, the liability is restricted to Rs 1,000 from the time of reporting the case to the bank.

Benefits of Canara Bank Credit Card

Advance Cash – Canara Bank provides advance cash withdrawal limit up to 50% of your card limit (Maximum of Rs 50,000 only). The cash withdrawal charges is only Rs 30 per thousand.

No Annual Fees – Canara Bank does not charge any kind of annual fee on any of its credit cards from the customers. This is a huge benefit from the customer's point of view as they need not have to pay any kind of enrollment fee for the entire lifespan of usage of credit card.

Free Credit Period – Canara Bank provides free credit period for 20-50 days for credit cardholders. No interest on cash withdrawal will be levied if the dues are paid within the due date. If the dues are not paid within the due date interest will be charged starting from the due date and not from the date of cash withdrawal. So it is better to pay off dues before the set due date.

Revolving Payment System – Canara Bank provides revolving payment systems to the credit cardholders. This facility provides an option to pay the bill as per the user's convenience. The minimum due amount is calculated as 5% of the bill amount. The cardholder can pay the minimum due amount of the bill at the time of purchase and the remaining amount can be carried forward along with the interest.

Liberal Card Limit – Canara Bank provides a benevolent credit limit to its customers. It will be based on the gross annual income of the cardholder. The cardholder is eligible to get up to 30% of the gross Non-Agencyannual income as the card limit. The fixing of credit limit is at the sole discretion of Canara Bank.

SMS Service: You will get free SMS for all your transactions. To avail this service you must have registered your mobile number with the bank.

Reward Program: Canara Bank has collaboration with M/s Loyalty Rewards Programme, It offers reward points for every Rs 100 and above purchase transaction. The value of one point of reward is Re 0.25. www.canararewardz.com offers a dedicated website for registration, accessing and redeeming the accumulated reward points. Under 'Maxgetmore' program an individual can earn more reward points by using Canara Bank Credit Card.

Zero Lost Card Liability: In case you lost your card the same card will be substituted free to you without any additional charges. Before reporting the loss of the credit card, you will be liable for any charges incurred on your card.

Accident Insurance: Canara Bank offers you free accidental insurance facilities. This offers you and your family with coverage for accident insurance against the risk of death. You are covered against the risk of death due to any type of air accident. The cover will be used on accidental death to cover the outstanding balance on the Canara Credit Card. Any remaining balance of the cover will later be paid to the nominee of the credit cardholder.

Know your Canara Bank Credit Card

To know your Canara Bank Credit Card properly, follow the below-listed details of your card.

Front side of your card

Credit Card Number: This is your 16-digit credit card number. In unsecured mail communications, consider writing first six digits and last six digits of your card number. Let us suppose your number is 4862 9312 5634 7880. Write '4862 93 xx xx 34 7880' as your card number.

Name of the cardholder: Please check that your name is emblazoned correctly. Call the BSNL toll free number, 1800 425 0018, if the embossing is incorrect.

EMV Chip: In the case of Global / International Cards, the card is integrated with an EMV-compliant chip containing essential encrypted data for authorisation facilitation.

Valid from and Expiry Date: Your credit card is valid for the period stated on your credit card (up to the last day of the month of the year) under "valid thro"

VISA or Mastercard Logo: Your card is accepted by any organization displaying a Visa / MasterCard logo.

Reverse of your card

Signature Panel: Please sign the signature panel instantly using a ballpoint pen (preferably in black ink) for your security.

Magnetic Strip: Essential credit card information is encoded on this strip. Secure your credit cad from intense ultraviolet exposure, magnetic and constant magnetic fields (hand-bag buckles, televisions, speakers, and all other electronic devices). Also, avoid scratching of the magnetic strip.

Visa / MasterCard hologram: Your credit card is accepted by any organization that displays the Visa / Master Card hologram.

How to avoid misuse of your Canara Bank Credit Card?

As a Canara Bank Credit Cardholder, you need to follow the below-listed rules to minimize the risk of credit card theft.

  • Never keep your credit card open in your bags or wallets
  • Always carry your credit card inside your wallet / purse in the same spot so you can immediately notice it in case of lost
  • Always memorise and secure your PIN
  • Always keep a backup of your PIN in your wallet/[purse and never record your credit card PIN in a paper
  • Never disclose your Credit Card PIN to anyone
  • Always handover your card to a merchant when making a purchase.  Never surrender the card to people claiming to be officials of Canara Bank / Visa / MasterCard.  
  • Allow the merchant to initiate the transaction on your credit card in your presence and never sign an incorrect charge slip.
  • Always feel free to ensure that the credit card returned to you is yours after completion of the transaction.
  • Get in touch with the Canara Bank Customer Care service in case of your card lost or any fraudulent activities.
  • Always hold a backup of your credit card details such as credit card account number, expiry date, relevant bank addresses / contact numbers in a secure place apart from your wallet / purse.
  • Always maintain track of the billing statement date of your credit card, and in case the credit card statement is not issued on time feel free to call to the Canara Bank and ensure it is forwarded to the correct mailing address. 
  • Notify the bank in writing in case you need to change your residential address and telephone / mobile numbers.
  • Never reveal your credit card and personal details during a telephonic survey. 
  • Never request support from strangers while using your credit card at ATM
  • Never hand over the shipment carrying the Canara Credit Card to anyone after it is delivered to you. 

Canara Bank Credit Card Privileges

Around 30 million merchant establishments globally and over 10,00,000 merchant establishments across India accept your Global Credit Card.

Credit Period: You will get up to 50 days of free credit for transactions without charges on your credit card account. 

Revolving payment facility: You can purchase now and pay at least 5% and settle the balance at a specified service fee of 2.5% per month. (30% per annum). It is not valid available for Canara Corporate Credit Cardholders.

Global usage: Canara Credit Cards are approved worldwide where Visa / Mastercard / RuPay / Discover logos are displayed. 

Cash advance: You can access cash at more than 30,00,000 ATMs worldwide which includes Visa / MasterCard / Cirrus and Canara Bank ATMs. Add-on cardholders of Canara Corporate Credit Card the cash limit is subject to a maximum of Rs.25000 as specified by their Company. The cumulative cash withdrawal amount shall not surpass the Primary Card's cash withdrawal cap, i.e. Rs 5 lacs. You need to use your PIN to access the ATM / POS facility which will be delivered to you by the Bank through email. Credit cardholders may visit www.visa.com/pd/atm/main.html & www.mastercard.com/atm to get comprehensive information about Visa and MasterCard / Cirrus ATM sites in India and throughout the world. 

Foreign Exchange entitlement: You can use your Canara Bank Credit Card for making purchases up to the credit card cap, subject to foreign exchange allowance under the Foreign Exchange Management Act ( FEMA), 1999.

Credit Shield/Credit Card Insurance cover: The cardholders are free of cost covered against death risk due to accident and air disaster. The cardholders are free of cost covered against death risk due to accident and air disaster. The cover would be only provided after accidental death to mitigate the debt remaining on the Canara Credit Card. Any balance of the remaining cover is then paid to the nominee of the credit cardholder.

Lost card liability claims procedure: Please notify the loss promptly to Canara Bank or to Visa / MasterCard Global Emergency Assistance helplines in case of loss of your credit card. Before that, it is mandated to lodge a police complaint/file for the Credit Card lost/stolen and submit the copy of the acknowledgment to the Canara Bank Customer support which allows them to approve the insurance claim. You can dial at toll-free No: 1800 425 0018 to report a missing credit card. Affirm the loss in written form to The Manager, Canara Bank, Card Division, Digital Service Grievance Redressal Section, Naveen Complex 14, M G Road, Bangalore 560 001. The Bank will prepare to substitute the credit card as soon as you provide written information on the loss and apply for a new card, therefore you do not miss the credit card 's comfort for a long period. 

Add-on cards: You can enroll for up to 4 additional credit cards for your nearest and dearest. The add-on cardholder must have a minimum age of 18 to reap the benefits of your credit card. This will enable the add-on card member to share the credit limit on your primary credit card. The primary credit card statement will reflect charges incurred on the additional credit card. ach account statement will include the annual fee, as stated in the tariff sheet. Add-on cardholders will mot get any separate monthly credit acrd statement.

Interactive Voice Response System (IVRS) transactions: Reserve Bank of India has approved the authorisation of a second factor for IVRS transactions. Therefore, for each transaction, it is important that the cardholder should obtain one Time Password ( OTP) from the Bank. In order to generate the OTP, the cardholder should have registered his mobile number with his/her account. To receive the OTP, the cardholder has to send an SMS to 5676798 as: CANB.  Example: CANB 4004. Once the OTP is generated is will valid for 4 hours and for one transaction only. The number received from 5676798 should be entered while making transactions on the IVRS when the system requests for OTP. Once the OTP will be verified the transaction will be processed. 

Transaction and count limits: The card transactions are regulated by the transaction limit and the count limit. Transaction limit is the monetary limit on each form of transaction done by the cardholder. Count cap is the limit on the number of transactions that may be done with each form of transaction or all transactions placed together with the card. The Bank sets the cap at its discretion. It is a safety initiative to avoid card usage from falling under the hand of fraudulent. Such caps are confidential, and the scammer is unaware of the restriction so there is no way for the fraudster to circumvent the cap. 

Net banking: RBI has mandated second-level authorization for net banking users. For initiating net banking transactions you need to register with “Verified by Visa” in case of Visa Cards and “MasterCard Secure” in case of MasterCards. Visit www.canarabank.com and get more details at “ RuPay PaySecure / MasterSecure Code/Verified by VISA” under “Other Services” and follow the further on-screen instructions to complete your registration process for net banking. You need to authenticate your registered password for every net banking transaction. 

What is Canara Rewards Programme and how can I redeem it?

For every spend of Rs.100 earn 2 reward points (1 reward point = Re.0.25). The exclusive www.canararewardz.com platform is available for the registration, monitoring and redemption of accumulated reward points. Receive more Reward Points under the programme 'Maxgetmore’. By visiting the above said portal and using the login credentials for sign-in, cardholders can activate their reward point account through registration. Cardholders can redeem his / her accumulated reward points for a huge variety of products across different categories such as apparels, electronics, home appliances and a wide range of services such as mobile recharge, DTH recharge, purchasing movie tickets, etc. Summary of merchant outlets with descriptions of products and services are available at www.canararewardz.com (Cash withdrawals, invalid purchases, cancelled purchases, money transfer transactions, purchasing of foreign currencies, interest charges, card payments etc. are not eligible for Reward Points). 

How secure is my Canara Bank Credit Card?

Only with the physical appearance of the cardholder and his / her card, Canara Bank allows payment settlement against credit card. The cardholder must sign the charge slip for approving the payment transactions. For Online and Interactive Voice Response Service (IVRS) payments, the Cardholder is required to provide second-level authentication by using his / her confidential password. Any operation on the Card is alerted via SMS message to the cardholder's registered mobile number. 

Exclusive Privileges for CANARA Gold Credit Cardholders:

The Master Assist Emergency Assistance Service can be used by Gold MasterCard holders for a variety of medical, financial, and travel support. MasterAssist is accessible from anywhere in the world by calling the MasterAssist hub in the United States at 00-1-314-542-7111. If you are travelling to USA, call 1-800-307-7309 (toll-free). CANARA Visa Gold cardholders can access a broad variety of legal, medical and other facilities through the Visa Emergency Assistance Services. Credit cardholders can access Visa Emergency Assistance Services by calling to centres worldwide on 1410-581-79-31. Visa Credit cardholders can get the below-listed information by calling on 9622 000 123.

  • Visa ATM locations and branch locations to withdraw cash
  • Contact numbers to report lost/stolen credit cards
  • Contact numbers for card replacement facility

Privileges for Canara MasterCard WORLD Credit Cardholders

  • This card is only accessible to the VVIP customers of the bank, having a Net Annual income of Rs 7.50 lacs.
  • The card is accepted globally
  • Cardholders can choose a personalized back ground image on the card.
  • Credit Card Limit starting from Rs 1.00 lac up to Rs 25.00 lac
  • Annual fee: NIL
  • Card Issuance Fee: Rs.2,000/- (one time fee)
  • Revolving credit facility: 2.5% per month
  • Lost Card Liability: NIL 
  • Baggage Insurance: Rs 25,000
  • Purchase protection cover: Rs 25,000
  • AIR Accident cover: Rs 8 lacs for self and Rs 4 lacs for spouse
  • Accidental Insurance cover other than air accident: Rs 4 lacs for self and Rs 2 lacs for spouse
  • The Card Association MasterCard's concierge services, offers, and other deals for their 'WORLD' card variant as posted on their official portal also applicable to 'Canara World.'

Reward Programme

Canara Bank has partnered up for new Rewards Program with M / s Loyalty Rewardz. Now spent Rs 100 on every purchase and earn 2 reward points. The value of each reward point is Re.0.25. You can view, redeem and get registered for reward point by visiting the official site of Canara Bank. Under 'Maxgetmore' programme you can make your shopping more exciting by earning more reward points for your purchase. Cardholders must keep the following points in mind:

  • Cardholders are required to complete the registration by visiting ‘www.canararewardz.com’ to activate their reward point account. Foreign currency purchase, card fee, disputed transactions, cancelled transactions, balance transfer transactions, cash withdrawals are not eligible for reward points. 
  • Minimum redeemable points approved for "Cash Back" are set at 1,000 points and in multiples of 100 point thereof.
  • You can redeem a minimum of 100 reward points for the purchase of goods & services through Canara web portal.
  • The value of each reward point is Re.0.25.
  • Cardholders must redeem their reward points within 3 years from the date of accumulation.

Settlement of outstandings of overseas transactions with Canara Bank Global Credit Cards

  • All expenses made abroad must be in full compliance with Exchange Control Regulations of the RBI. Please be aware that the gross expenses you make globally (i.e. by means of cash / traveler's cheques / bank accounts / credit card) must not surpass the limit specified by RBI.
  • Credit cardholders carrying an RFC or EEFC account can pay through a debit to their EEFC or RFC account for the overseas purchases incurred on their credit card account. He / She can also submit a draft as payment in USD or Indian Rupees.
  • Make sure that the amount reflected in your credit card statement indicates the cumulative outstanding in all domestic and overseas transactions in your credit card account. Every overseas transaction will reflect the currency amount along with the equivalent amount in Rupees.
  • All domestic and international transactions made by your add-on credit card members will also be recorded on your credit card statement. Add-on cardholders also need to verify that the transactions made globally are in strict accordance with the RBI's Exchange Control Regulations.  
  • Foreign currency transactions can be made via the internet permitted under the Foreign Exchange Management Act (FEMA) 1999.
  • Any reimbursement you make in respect of your credit card dues will be applied to repay the total outstanding dues of your credit card account, whether domestic or international and not against any specific amount charged to the account.
  • You will have to convert the equivalent Rupees amount stated on your statement for each foreign transaction to USD using the day's telegraphic transfer selling rate that can be accessed from your certified dealer to monitor your overseas transactions and ensure they are under the permitted RBI guidelines.
  • Any transgression of the Exchange Control Regulations stemming from the usage of this credit card is the accountability of the individual credit cardholder (primary/supplementary) and he/she will be responsible for prosecution under the terms of the Foreign Exchange Management Act ( FEMA) 1999 and all other legislation that will be in effect from time to time. Please keep in mind that the obligation for maintaining compliance with the regulations lays with the Credit Cardholder.
  • Please remember that your credit card is legitimate for use in India as well as abroad. Transactions made by your credit card outside India must be accomplished in strict compliance with Reserve Bank of India's Exchange Control Regulations. You will be responsible for action under the FEMA 1999 in case of any failure to do so.  

Apply For Canara Bank Credit Card

The fastest way to apply for securing a Canara Bank’s Credit Card is to apply through the bank's web portal 

Or

Visit the nearest Canara Bank’s Branch and apply for CanaraBank’s Credit Card.

How To Apply For Canara Bank Credit Card via Offline?

An individual has to walk into the nearest Canara Bank branch and meet the customer executive and express the desire to obtain the credit card of the bank. The customer will explain the various credit cards of the bank after ascertaining the annual income of the individual. The customer can choose the card of his/her choice based on the requirements. Following which they will be provided with a Canara Credit Card application form which they have to fill up and submit the same along with the required documents as mentioned in the application form of Canara Bank.

On receipt of the application form from the prospective customer, the bank executives will go through the application form supported by relevant documents and check the authenticity of the submitted documents. Once the bank has completed all the formalities, it may or may not issue a credit card to the prospective customer. It is solely at the discretion of the bank to issue a credit card to the individual.

 How To Apply For Canara Bank Credit Card via Online?

• An existing customer of the bank can visit the bank’s net banking web site 

• Login to the net banking account using the user id and password

• You can directly apply online seeking a credit card

• Fill in the Credit Card Application Form online

• On receiving the request from the customers, the bank executives will give a call to the customer and will ask them to submit the required documents

• Upon the receipt of the required documents and the scrutiny of the same, the bank may or may not issue a credit card to the customer.

It is solely at the discretion of the bank to issue a credit card to an individual.

Domestic and International usage with Canara Bank Credit Card

Canara Credit cards with multiple variants that are accessible for both domestic and international use. Domestic Cards can be used all over India to make purchase for your favourite with Indian Rupees. 

Canara Global Credit Cards comes with embedded EMV chip that can be used worldwide. The EMV Chip includes confidential data in encrypted form to enable authorisation. This EMV chip cards secure you from all types of fraudulent activities related to credit cards and online services.

Although the Canara Credit Card for domestic usage is the standard card and is accessible for all the applicants, whereas the Canara Bank Global Credit Cards are issued upon a request by the customer. 

Canara Bank Credit Card Eligibility

Canara Bank's eligibility criteria for using its credit cards vary from card to card. The general criteria regarding all the credit cards are listed below:

Canara Bank Domestic and Global Credit Cards

  • You must be an existing customer of Canara Bank with a good credit score
  • You must have a PAN Card
  • Canara Bank customers will get first preference to apply for Canara Bank Domestic and Global Credit Cards
  • Applicant must have a minimum income of Rs 1 lakh per annum
  • You need to have a good CIBIL score to apply for Canara Bank Domestic and Global Credit Cards
  • You must have a valid mobile number to get free SMS alerts

Canara Bank Corporate Cards

  • Companies/businesses that have S1 and S2 status credit limits with Canara Bank.
  • Companies without credit limits must have 12 months of adequate dealings
  • Affiliate Member banks are also eligible.

Factors Affecting the Eligibility of Your Canara Bank Credit Card

Many factors affect your eligibility criteria for the Canara Bank credit card. Some of the factors are listed below:

Age: When you apply for a credit card, lenders assess your creditworthiness. If you are too young and do not have a good credit history, lenders could not assess whether you are a responsible borrower. Consider establishing a good credit history before applying for a credit card.

The number of credit cards you have: If you have multiple credit cards and the amount owed on each card is high, you will end up with a high credit utilization rate. This will hurt your credit card application.

Income: To obtain a credit card, you must meet the income criteria set by the bank. Otherwise, your credit card application may be rejected. If you plan to apply for a particular credit card, be sure to read the brochure and check if you meet the minimum income requirements set by the bank. The applicant's minimum income requirement differs from one card to another. Always ask for a card for which you are eligible.

Gross Monthly Debt - When credit card providers verify your credit score, they will be able to view your existing lines of credit. If the amount of your monthly debt is high, it will negatively affect your credit card application. Most lenders calculate the debt-to-income ratio (DTI) where the total amount of debt is divided by total monthly income. If you have a high DTI ratio, your credit card application may be rejected because it indicates that you may not be able to pay your future payments.

Credit Score: One of the first things a credit card provider will do as soon as you submit the application form is to check your credit score. The normal credit score range between 300 and 900. All lenders prefer applicants with a high credit score of 750 and above. A low credit score indicates that you do not have a good credit history and lowers your creditworthiness. You need to check your credit score before applying for a credit card in Canara bank. You can get a free copy of your credit report each year from each of the credit reporting agencies in India, namely Equifax, TransUnion and Experian. If your credit score is low, do not apply for a credit card until your score has improved.

A recent lapse on your credit report: if you have recently defaulted on one of your loans, this will reduce your credit score. Your credit card application may be rejected or you will not get a good credit card deal if you have a low credit score.

Multiple applications: While choosing the best credit card for you, it is very important to avoid making multiple credit applications. If you are applying for more than one credit card that you like, lenders will be able to see all of the tough applications that you have made. This will make you look like a borrower in need. Therefore, when you apply for a credit card, finalize on a card and apply for it. Avoid asking for another credit card while processing a credit card request.

Required Documents for Canara Bank’s Credit Card Application

Certain documents are also required to process the Canara Bank credit card application.

These are given in the table below:

Proof of identity: The following list of documents are valid as identity proof PAN card, Aadhaar card, driver's license, passport, voter card, foreign citizen card from India, person card of Indian origin, work card issued by NREGA, letters issued by UIDAI.

Proof of address: Aadhaar card, driving license, passport, utility bill less than 3 months old, ration card, registration document, Person of Indian Origin Card, work card issued by NREGA, account statement banking.
Proof of income: Last or last two payslips (less than 3 months old), latest form 16, bank statement for the last 3 months.

 Documents required for the Canara Bank corporate credit card:

  1. Resolution documents of the board of directors according to Performa provided by the bank or the credit card division.
  2. Partnership act in the case of companies or constituting act and statutes of companies.
  3. Financial statements of the company for the last 3 years.
  4. Any relevant constituting document or financial document.

Why Choose Canara Bank’s Credit Card?

 • Better Usage – Domestic and Global Purpose

 The Canara Bank’s cards are issued with variants which are permitted for both domestic as well as foreign usage. The cards can be used for the domestic purpose and it is accepted throughout India and the value of the transaction will be in terms of Indian Rupee.

The global credit cards have EMV compliant chip card embedded in the credit card and hence it is valid to use the card both in India as well as abroad. The chip contains vital data in an encrypted format to facilitate authorization. The card manages protection against skimming.

The Canara Bank’s Credit Card for domestic usage is a default card, which will be issued to everyone whoever wants to secure a credit card. In this case, the cardholder does not request for the issuance of the global card. The Canara Bank’s Global Credit Card is issued to the customer only after receiving a specific request from the interested cardholder.

Revolving Payment Facility – Canara Bank provides revolving payment facility to its customers which is a unique kind of feature in credit card category. You can buy anything now using your credit card and just pay a minimum of 5% of the total bill amount and the balance can be paid later at a specified charge of 2.5% per month (30% per annum). Note: This facility is not available for Canara Bank’s Corporate Credit Card.

Card Association – Canara Bank’s Credit Cards are issued in association with VISA and MasterCard, both are internationally known card associations. Both VISA and MasterCard facilitate electronic fund transfers throughout the world within a matter of few seconds to minutes for each and every transaction. The association of Canara Bank’s Credit cards with these association provides more acceptability and dependability since both have gained more acceptance all over the world.

How Canara Bank blacklist your card?

Since, as indicated in the monthly statement, the minimum amount outstanding is not paid in full within 90 days from the next settlement date, the card account will be considered as a non active card. The period between your credit card statements should not be more than a month. In the above instances the cardholder will be detained and the cardholder's name will be reported to the credit rating agency such as Credit Information Bureau of India Limited. 

If total dues are recovered from each card account and if the cardholder is not an unwanted party according to the relevant data, the bank may take action to blacklist the name from the Negative list on a varying case to case condition. Once the cardholder eliminates his or her liability to the Bank and request for deleting his name from the negative list, the bank at its decision can remove his/her name duly considering his/her payment records. 

Addresses and contact numbers to get in touch:

Customer Relation Section: 1800-425-0018 (toll free number)

Address: Manager, Canara Bank, Card Division, Customer Relation Section, Transaction Banking Wing, Naveen Complex, 14 , M G Road, Bangalore 560 001Email: hocancard@canarabank.com 

How To Use Canara Bank Credit Card?

One can present the credit card at the time of paying for the purchase or the services, against the bill. The Merchant Establishment will prepare a sales slip based on the number of products purchased or services rendered.

Before paying the bill, always verify the total amount of the bill. There is usually a provision for ‘tips’ miscellaneous items and so on. If required then fill in this section and bring down the total. Sign in the space provided.

You may be given a copy of the bill and asked to sign on the sales slip of any of the VISA/ MasterCard member bank. These formats may differ but the basic contents of these slips will remain the same. The merchandise establishments will return your copy of the bill and the sales slip for your record along with your respective credit card.

Sometimes dealer entities might be asked to 'refer' the purchase transaction. This means that the transaction is not declined by the Canara Bank. however, the merchant will ask his bank for approval. In case you secure your credit card from fraudulent activities, your personal information may be required for this scenario. If your transaction is rejected, feel free to contact Canara Bank without a legitimate reason provided by the dealer establishment. 

How To Close Canara Bank’s Credit Card?

The Credit Cardholder can close the card account by writing to the Canara Bank’s Customer Relation Section – addressing to, The Manager, Canara Bank, Card Division, Customer relation Section, Transaction Booking Wing, Naveen Complex, 14, MG Road, Bangalore – 560001

or

An individual can call the Canara Bank’s customer care executive at toll free number at 1800-425-0018 or 080-25318423 or Board number 080-25584040 or Extension: 080-25584410/ 080-25584423/ 080-25584476.

The cardholder can also send an email to hocancard@canarabank.com and mention the intention to close the credit card.

After informing the executive your intention to close the credit card, the cardholder is required to cut the credit card diagonally.

The closure of the credit card will be effective only after payment of all the dues are made by the cardholder.

Canara Bank Credit Card Login

Login with your Net Banking Id, Password and explore a world of convenience just with a few taps. Applicants can use unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly. Get all updates and offers on your credit card which is specially designed for you. Access all the features and get minimum interest rates on your credit card with flexible repayment option. No matter where you are just with your Canara Bank NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Below is the login process for both new and existing users of Canara Bank Credit Card. 

How to Register

  • Visit the Canara Bank Credit Card portal
  • Click on Register
  • Enter your Mobile Number, Last 4 digit of your card, verification code and click on Nest to generate OTP
  • On the next page enter your date of birth, OTP and click on next
  • Now choose your User Id, Password and click on Submit

How to Login

  • Visit the Canara Bank Credit Card portal
  • Enter your Username, Password and click on Login
  • Explore the online benefits offered by Canara Bank

Canara Bank Credit Card Payment

It is the platform where you can manage your credit card in easy and smart way. Make your day to day needs more convenient and secure. Get notified for your credit card dues and pay instantly. Get 24x7 customer support for your credit card issues or complaints. Manage your reward points and redeem them, no matter where you are.

So what are you waiting for?

Scroll down and know all the benefits of Canara Bank Credit Card Payment

Who can avail Canara Bank Credit Card Payment?

  • All non-individual customers
  • Small business enterprises
  • Firms
  • Trusts
  • Institutions
  • Government organizations
  • Corporates
  • Public Sector Undertakings
  • Non-Agency Banks
  • Sole Proprietors

Benefits of Canara Bank Credit Card Payment

  • Track all your transactions in one platform
  • Get access to your account 24x7
  • Manage and view cash and credit limits, billed and unbilled transactions, due dates, reward points
  • Increase your credit card limit and upgrade your card
  • Pay all your dues or transfer money through NEFT, RTGS or IMPS
  • Pay utility bills or recharge your mobile through easy Billpay service
  • Get online deposit products (Fixed, Recurring, Flexi, Tax Saving etc.)
  • Setup Standing Instructions and Scheduling payments
  • Get a simple convenient and secure to pay your bills
  • Get 24x7 customer support
  • Get email notification for all your transaction

How to Register for Canara Bank Credit Card Payment?

  • Visit the site https://payments.billdesk.com/pb/canara/
  • Click on Register Now and enter all the mandated details
  • Accept the Terms and Conditions
  • Review all the entered details and click on Submit
  • On the next page, you can see the successful message on the screen

How to Pay with Canara Bank Credit Card?

  • Visit the site https://payments.billdesk.com/pb/canara/
  • Select your location, under the drop-down section of Select Biller Location and click on Go
  • Select your type of Bill Pay and click on Quick Pay
  • Enter all the required details and click on Submit

How to Pay Canara Bank Credit Card Bill

Credit cards have been a very valuable method for individuals to achieve their regular purchases such as paying electricity bills, paying telephone bills, visiting grocery stores, etc. The days have gone where credit cards have been used exclusively to buy flight tickets or related large purchases. Individuals have already learned how to use credit cards to transfer cash, and so many have several cards from different banks to take advantage of the increasing benefits of the credit card. Canara Bank delivers some of the industry's finest credit cards. The bank offers personalized credit cards that appeal to different customers with their varying desires, whether it be shopping, dining, travel, or corporate cards.

Canara Bank cards provide unique rewards and advantages on each card although some cards allow an incredible amount of cashback on specific purchases and some cards offer reward points that can be redeemed later against an exciting range of products provided by the Canara Bank. Canara Bank even delivers several options to manage and repay option which can be preferred by the consumer as per the usability. The two key choices are categorized as online and offline payment options and are also divided as several services that can be accessed by a consumer to clear their credit card pending dues. 

Online Methods to pay Canara Bank Credit Card Bill 

  • Electronic Fund Transfer (NEFT)
  • Auto debit facility
  • VISA Money Transfer
  • Net Banking 

Electronic Fund Transfer (NEFT)

NEFT is one of the best online fund transfer method where you can pay your credit card bill as well. You may also utilize NEFT when charging for credit card bills. By adding the 16-digit number in place of the account number, you would have to add your card as a beneficiary. IFSC Code of Canara Bank is CNRB0001912. Transactions can be initiated on weekdays from 8:00 am to 7:00 pm, and on Saturdays from 8:00 am to 1:00 pm. When you opt for NEFT, there are no upper or lower limits. The details needed for NEFT is set out below: 

  • The amount you want to transfer or pay
  • Bank account from which you want to debit the amount
  • IFSC Code & Name of the beneficiary bank
  • Name and account number of the Beneficiary
  • Email ID and Valid Mobile Number

Auto debit facility

You don't have to panic for skipping your due date ever again with the Auto debit facility. By setting up standing instructions your account charges a fixed amount each month to your bill. Below listed is the process to trigger standing instructions or auto-debit facility.

  • Choose your bank account from which you want to debit the amount
  • Select the account of your beneficiary
  • Enter the amount you want to transfer
  • Choose the payment duration on a regular, weekly, fortnightly, monthly, bi-monthly, quarterly, half-yearly, or annual basis.
  • Set the priority level for your instruction.
  • In the DD / MM / YYYY format enter the first and last execution date.
  • The reason for those transfers can also be stated. 

VISA Money Transfer 

This service is another helpful choice that can be weighed when making a credit card bill payment to Canara Bank. The method for making the payment by credit card using Visa Money Transfer is as follows:

  • Visit the Canara Bank Credit Card site and click on "Services", located on the homepage.
  • Now click on the option “Visa Money" located under the tab "Services"
  • Now enter the VISA Card Number to proceed with the payment.
  • Re-enter the card number on the required section for the authorization process.
  • Now enter the due amount and click on the option "Submit" to initiate the transaction.
  • Once the transaction is complete you will get a successful message on the screen and as well as on your registered mobile number. 

Net Banking

You can pay credit card bills easily with the convenience of Canara Bank's Net Banking service. To make use of the online payment option you have to register for Net Banking service first. The steps to be taken to clear payments through net banking are set out below:

  • Visit the official page of Canara Bank Net Banking
  • Now enter your net banking User Id and Password to access the service.
  • Now enter the amount you want to pay to your beneficiary, on the required box.
  • Click on the "Submit" option to initiate the transaction. 
  • Once the payment is complete you will get the transaction details on your mobile or desktop screen. 

Offline Methods to pay Canara Bank Credit Card Bill

A ton of people also wants the conventional form of paying their bills. This may be linked to various factors-either they are not familiar with online payment methods or they have little exposure to online payment methods. Canara Bank also provides offline methods to reimburse the credit card dues. Scroll down and know the offline process of Canara Bank Credit Card bill payment.

  • Cheque
  • Demand draft
  • Cash

Cash Payment: You can head to the nearest branch of Canara Bank to pay your credit card bills through cash. After making the payment you will get notified from the bank via SMS on your registered mobile number.

Cheque payment: If you prefer to use a cheque to pay your credit card bills then you can do in the same way as you pay cash for your credit card dues by visiting the nearest branch of the bank. 

Demand Draft: Apart from cash and cheque payment you can also choose the demand draft option to reimburse your credit card outstandings.

Canara Bank Credit Card Bill Payment through Paytm 

Canara Bank offers seamless features, offers, payment options and more to its credit card users. Making a purchase through Canara Bank Credit Card at online or offline shopping platforms it is mandated to pay the credit card outstandings within the due date to avoid unwanted charges. Furthermore, missing your due date can impact your credit score too. You don't have to panic about your due date, though, because you can reimburse Canara Bank Credit Card bills through Paytm.

You can make your credit card payment within a minute via the Paytm app or Paytm website, which would not only minimize your time but also reduce your effort. You will also get a wide variety of payment methods that are flexible and convenient when using Paytm to pay your due amount. You can use Debit Card, Credit Card, Net Banking and UPI to pay your Canara Bank Credit Card bills (UPI is only available through the Paytm Mobile App).

Process to pay Canara Bank Credit Card Bills via Paytm

  • Launch the Paytm app or visit the Paytm website and go to the credit card payment section.
  • Now click on 'Canara Bank Credit Card Bill Payment' option and enter your credit card number.
  • Now enter the bill amount and click on 'Proceed' to initiate the payment.
  • Now select the payment option and complete the payment.

Canara Bank Credit Card Statement

The credit card statement from Canara Bank is a key financial document that provides insight into the overall purchases made with the card during the last billing cycle. Canara Bank Credit Card Statement contains the following details:

  • Billing date for payment
  • Total Amount Due
  • Transaction details made in the billing cycle
  • Active EMIs
  • Account Summary
  • Reward Points earned
  • Opening and Closing Balance of reward points
  • Disbursed reward points
  • Adjusted reward points

The account overview tab is further is divided split into two parts, the first part shows the details of previous month's balance, payments, purchases, balance transfers, cash advances, fees and interest rate charged in that month. The second tab specifies the current balance, available credit, closing date of the statement and the billing cycle days.

Benefits of Canara Bank Credit Card Statement

Some of the properties and considerable benefits of the Canara Bank Credit Card Statement are provided below:

Unwanted Charges or Errors in Billing: It is essential to keep track of your credit card statement and read it properly, as it improves to identify any fraudulent charges or billing errors.

Detailed overview of account activity: The credit card statement provides a summarized report of your financial operation involving payments, deductions, transactions, transfers of balance etc.

Summary of rewards and cashback: The credit card statement always includes a detailed description of the rewards and cashback offers of which you are entitled.

Finance Management: The monthly statement generated for you enables you to keep a proper track of payments and manage your spending accordingly.

Other details: Also, you can verify the associated terms and conditions, member agreement changes, payment methods and some other information.

How to get Canara Bank Credit Card Statement?

Applicants can go through both online and offline process. Below given are the step by step tutorial for the process.

Through NetBanking

  • Visit to the Canara Bank site
  • Click on NetBanking, which is located on the top bar of the page
  • Enter your Netbanking User Id and Password
  • Below that enter the captcha code and click on Sign In
  • Now view or download the statement of your credit card

Through Canara Bank Mobile App

  • Open your Canara Bank Mobile App
  • Click on account section
  • Click on view account statement
  • The statement includes the balance, limit, due date other details relevant to your credit card

Through Email Facility

Register your email id with Canara Bank and get your credit card statement monthly. To register, send your email id and credit card number to hocancard@canarabank.com

Offline Process

  • Applicants can call directly to the customer care service number 1800 425 0018 to know credit card related details.
  • Apart from this applicants can also go to the nearest Canara Bank Atm or branch to check all the details related to the credit card

Canara Bank Credit Card Status

Applicants applied for Canara Credit Card can track the status of their application through the below-given process. Track your credit card status by your application number and date of birth. Scroll down and go through the tutorial to make the process complete.

Online Process to check Canara Bank Credit Card Status

  • Visit to the Canara Bank Credit Card website
  • Click on NetBankinhg
  • Enter your Username and Password to Login
  • Enter your Application Reference Number of Form Number
  • Click on submit and check the status of your credit card application

Offline Process to check Canara Credit Card Status

Apart from the online process applicants can also go through offline process to check their credit card status. Below given process are to track Canara Credit Card status via offline

Call on the helpline numbers: 1800-425-0018

Status Details of Canara Credit Card

In-progress: When the application is still in process, you will get the status as ‘In progress’.

On-hold: You will receive ‘On-hold’ status, if you have submitted any incomplete documentation or details.

Approved: You will find the ‘Approved’ status, once your application has been approved. You will receive your card to the address mentioned in the application form.

Dispatched: Once your card is dispatched, Dispatched status show on the screen. It will take 2-3 business days to deliver your card at your doorstep.

Disapproved: A ‘Disapproved’ status displayed when your application has been rejected. This happens when you cannot meet the eligibility criteria of the credit card.

No records found: If you enter any incorrect details, the screen will display ‘No records found’ status. Re-enter the correct details to get the status complete status.

Canara Bank Credit Card PIN Generation

To avail the unique benefits of ATM transaction like withdrawing cash, view the details for all your accounts, online password regeneration, transfer money and much more, applicants are required to generate PIN for the Net Banking and ATM facility provided Canara Bank. Below given steps are for online PIN Generation. Go through all the steps to make your process complete

Canara Bank Credit Card PIN Generation through ATM

  • Visit the nearest ATM and insert your credit card in the ATM
  • Select your preferred language to begin the process
  • Click on Create PIN Using OTP
  • Now you will receive an OTP, on your registered mobile number
  • Enter the OTP on the required section
  • Now you can enter the 4-digit PIN of your choice
  • Retype the Pin on the required section and click on Submit
  • Now you will get a successful message on your registered mobile number

Canara Bank Credit Card PIN Generation through Net Banking

  • Visit the site https://www.canarabank.com/english/bank-services/personal-banking/card-services/
  • Click on Net Banking, which is located on the right bar of the page
  • Log in to your account with your Net Banking Id and Password
  • Click on the credit card option and on the next page click on Change PIN
  • Now you will receive an OTP, on your registered mobile number
  • Enter the OTP on the required section
  • Now you can enter the 4-digit PIN of your choice
  • Retype the Pin on the required section and click on Submit
  • Now you will see a successful message on the screen

Note

  • To generate your Canara Bank Credit Card PIN, your mobile number must be registered with the bank. Please contact your Canara Bank branch__ for registering mobile number if not registered already.
  • In case, you are not able to generate Credit Card PIN, please contact the branch or call contact Center helpline 1800 425 0018 for requesting physical PIN mailer.

Canara Bank Credit Card App

Canara Saathi or Canara Bank Credit Card App is a self-service mobile app for the Canara Bank credit cardholders which allows you to take complete access to all your credit card information and services. 

Canara Saathi

Canara Saathi is a self-service mobile banking app that can be used in both IOS and Android platforms. By using the app you can access all the information related to your Canara Bank Credit Card on the go. The browser variant of the app is also available which you can use on your laptop or desktop. 

Pre-requisites:

He/she must be a Canara Bank Credit Cardholder. Corporate cardholders are not eligible to register for this app. 

Information available on the login screen:

Card Privileges  

Payment Option  

Offers on Cards  

FAQ  

Resource Centre  

Steps to Apply for Canara Credit Card  

Terms & Conditions  

Contact Us

Features of Canara Saathi App

To know more please go through the below-given features of the app.

Register

User Registration- Registration of your credit card by generating a password for the app.

Forgot User Name/ Password/ Change Password- Option to restore user name / password reset / password change.

Summary Details:

Summary Details of the registered credit card: View and manage all the details of your credit card such as available credit limit, total credit limit of the card, total outstanding, last billed amount, last minimum pending amount, due date of the credit card payment. 

Register and Download Canara Bank Credit Card App

  • Go to Playstore or Appstore and search for Canara Saathi
  • Tap on the install icon and download the app
  • Open the app and tap on First Time User? Register Here
  • Enter your registered mobile number and last 4 digits of your credit card
  • Now you will receive an OTP on your registered mobile number
  • Enter the OTP on the required section and click on Next
  • Now enter your Date of Birth and OTP on the required section
  • Click on next for the further process
  • Choose your Username and Password
  • Retype the password on the required section and tap on Submit
  • On the next page, you will see the congratulation message on your mobile screen

How To Check Canara Bank Credit Card Balance

Canara Bank, with headquarters in Bengaluru, is a public sector bank operated by the Government of India. The bank has a limited but growing credit card customer base to which it has been catering for a number of years with a range of deals. Knowing the balance is really necessary for every credit card. Let's know the various process to check the balance of Canara Bank Credit Card.

Process to check Canara Bank Credit Card Balance via Net Banking

Netbanking makes life easy for everybody. Besides helping you to do specific online banking transactions, you can even check your online credit card balance. If you are already a holder of a Canara Bank account and have applied for a credit card from the bank, the card would be linked to the net banking portal. In case your card is not linked with the net banking service, you have to link it manually.

  • Visit the Canara Bank Credit Card portal and login with your net banking id and password
  • Go to the card section and select your credit card
  • Click on the card for which you want to check the balance and you will see the balance instantly.

Process to check Canara Bank Credit Card Balance via Customer Care Service

You can contact customer service at 1800 425 0018, to get your credit card balance. Additionally, you can also send a message at hocancard@canarabank.com to get your credit card balance. Once you sent the mail you will get the information and the steps with the follow-up email from the bank instantly.

Canara Bank Credit Card Reward

Canara Rewardz is the Loyalty Plan for Canara Bank to render the banking experience exclusive and extremely satisfying for all Credit Card customers at Canara Bank. With every Rs.100 earned using your credit card, the program grants 2 loyalty points. The points are rewarded for transactions in multiples of Rs.100. One can earn a reward by making payments to buy a product or pay for a service. As a credit cardholder for Canara Bank, you are auto-registered in this program and can earn rewards for all your transactions.

Validity Period of the Rewards

  • Reward points generated with a validity period of 3 months. if the applicant fails to redeem the accumulated reward points before the valid period the rewards will lapse.
  • The reward point value for cashback and purchase of products and services is set at Rs.0.25 (Twenty-Five Paise) per reward point.

How to earn Canara Bank Credit Card Reward Points

Canara Bank auto-enrolls all holders of credit cards as members of the Canara Rewardz program. With one credit card, you will only get a single membership in the program. You need to trigger your account in order to access or redeem your reward points. Visit the website of the loyalty program to trigger the account and click the option 'First Time User'. To redeem the reward points you have to enter your credit card number and OTP received on your registered mobile number. After that verify your personal details and start redeeming the reward points. You earn Reward Points every time you swipe the credit card to make a purchase.

Spent Rs 100 and get 2 reward points for your purchase in all categories. The accrued points can be redeemed on apparel, gadgets, jewelry, home decor, appliances and much more. Canara Bank has collaborated with Max Get More outlets. If you make a purchase at this outlet using the credit card, your reward points are multiplied. You get 2 reward points for every Rs. 100 spent on the credit card. Points are rewarded in multiples of Rs 100 for transactions. The Reward points are effective for a 36-month span, except for the month of accrual. The value of one point of reward is Rs 0.25. 

How to encash reward points

For Cashback

  • The minimum redeemable reward points accepted for cashback is fixed at 1000 reward points and in multiples of 100 thereof
  • The reward points are redeemable on a quarterly basis.

For Purchase of Goods and Services

  • The minimum redeemable reward points accepted for the purchase of goods and services is fixed at 100 reward points.
  • The reward points are redeemable on a regular basis.

Canara Bank Rewards Catalogue

  • Spend at POTHYS Aalayam of Skills and earn 4 reward points
  • Spend at GRT Jewellers and get 4 reward points
  • Spend at C.KRISHNIAH CHETTY AND SONS to earn 4 reward points
  • Spend at PAI International and get 2 reward points
  • Spend at ORRA Jewellers and get 4 reward points
  • Spend at LOTTO and get 4 points
  • Spend at Malabar Gold & Diamonds to get 2x reward points
  • Spend at Arambagh's Food Mart and get 2 reward points
  • Spend at Prestige Exclusive and get 4 reward points
  • Spend at Prince Jewellers and earn 4 points
  • Spend at Nilkamal and get 2x points
  • Shop at BLACKBERRY and get 3x reward points
  • Spend at The Cascade THE CHINESE KITCHEN and get 4 reward points
  • Shop at Nature's Basket and earn 2 reward points
  • Book your ride at Savaari Car Rentals and get 2 reward points
  • Shop at Reliance Trends and get 2x reward points
  • Shop at Mahavir Home Store and get 4 reward points

Methods for redeeming Canara Bank Reward Points

Canara Bank Credit Cardholders can redeem the reward points by selecting any of the below-given methods.

  • You can log in to Canara rewards web portal www.canararewardz.com and submit a request for redemption of the accumulated reward points.
  • Or else you can also redeem the reward points by calling to the Tollfree Number of M/s. Loyalty Rewardz Management Pvt.Ltd: 1800 419 3018. Timings and working days for using the toll-free no are Monday to Saturday 10:00 AM - 7:00 PM. You must call from your registered mobile number with the bank to redeem the reward points by calling the above mentioned toll-free number. 

Process to Redeem Reward Points Through Canara Rewards Web Portal 

  • Visit the web portal www.canararewardz.com and click on the "Proceed to Credit Card" option.
  • Now click on the "REGISTER/LOGIN option, located on the left side of the page bar.
  • Now click on the "Sign Up" option and enter your Credit Card Number, Registered Mobile Number and Captcha Code.
  • After all the details click on "SUBMIT"
  • Now you will get an OTP on your registered mobile number, enter the OTP and set your User ID/Password.
  • Now select a security question and submit an answer for the same.
  • Now login with your generated User ID and Password and redeem your accumulated reward points.

Canara Bank Credit Card Charges

Below given are the applicable charges to use Canara Bank VISA Classic / MASTERCARD Standard Credit Card:

  • Joining Charges- Nil
  • Annual Charges-Nil
  • Supplementary Card Fees- Nil
  • Fees for Revolved Amount- 2.5% per month
  • Minimum due- 5% subject to Rs. 100 minimum
  • Cash advance fees at Canara Bank ATMs- 3% of the transaction amount or a minimum of Rs. 30
  • Late payment charges- 2% of the amount subject to a minimum of Rs. 10 and a maximum of Rs. 150.
  • Card inactive fees- Rs. 400 if spend Rs 12000 or more in the card year
  • Add on Card inactivity fees- Rs 300 if spend Rs 12000 or more in the card year
  • Card inactive fees for Canara Card Gold (Main & Add on)- Rs 750 if the card turnover is less than Rs 25000 in the card year
  • EMV Card- Rs 250
  • Card enrollment fees for Canara Card Visa corporate  (Main card)- Rs 250
  • Annual fees for Canara Card Visa corporate (Only for Add on cards)- Rs 400
  • Interest free credit period- Up to 50 days
  • Dishonoured cheque Fees- Rs 50
  • Card replacement fees- Nil
  • Foreign currency transaction fees- 3%
  • Duplicate statement fees- Rs 10 per usage
  • Copy for chargeslip fees- Rs 100
  • Chargeslip fees if processed by the Canara Bank- USD 2.00
  • Chargeslip fees if processed by other bank- USD 6.00
  • Collection fees for outstation cheques- Rs 100
  • Fees in respect of notices reminders sent to cardholders having overdue- Rs 50
  • Late Payment Fees- 2% Minimum - Rs. 10/-. Maximum - Rs. 150/- (For Revolver)
  • Late Payment Fees- 2% Minimum Rs. 20/- Maximum - Rs. 300/- (For Non Revolver)
  • First return of FTV: Rs 100
  • Each Subsequent return of FTV: Rs 300

Canara Bank Credit Card Payment Options

To settle your monthly dues you have a range of convenient payment options and they are:

  • Please make this payable to your "Canara Bank a / c-16 digit Canara Credit Card Number for payment involving cheque / demand draft. Please mention your mobile telephone number and your full name on the reverse side of the cheque / draft.
  • You can render your payments by cash, citing your 16 digit credit card number, at any of the branches of Canara Bank in India and the cash will be deposited in your account instantly.
  • You can mail your demand / cheque at Canara Bank, Card Division, Transaction Banking Wing, Naveen Complex, 14, M G Road, Bangalore 560 001, payable at Bangalore. If the DD is drawn in favour of your 16 digit credit card number, you can buy Demand Draft free of charge from any of the branches of Canara Bank across India. 
  • Cheques/drafts payable at service charges other than Bangalore shall be charged as per tariff list. Please make sure that your payment reaches to Canara Bank three working days prior to your payment due date in order to avoid late payment charges. 

Canara Bank Credit Card IFSC Code

Canara Bank IFSC Code is an 11-digit alphanumeric code that is used by all three main forms of electronic fund transfer systems such as NEFT, RTGS, and IMPS. The Indian Financial System Code, also known as IFSC, consists of both alphabets and numerical and is used primarily to simplify the money transfer process. All banks in India are distributed and issued IFSC codes by Reserve Bank of India (RBI).

This 11-digit unique code comes with three parts. For eg, CNRBOOO3424 is the IFSC code for a branch of Canara Bank Dehgam in Gujarat, Ahmedabad. The first four letters of code 'CNBR' here indicate the name of the bank, and the fifth digit '0' is left aside for future use. By contrast, the next six digits '003424' states the branch addressed, which in this case is the branch of Dehgam. For the Amreli branch, the IFSC code is CNBRB003429 whereas the branch code for Chandigarh is CNRB0005144.

How to prevent fraudulent activities of your Canara Bank Credit Card?

To enhance and secure the user experience of the cardholder, Canara Bank has generated the below given 17 guidelines reduce overall the risk of being exposed to credit card theft.

  • Don't hold your credit card loosely in your wallet and carry bags
  • Hold your credit card everytime in the same place inside your wallet so that you spot it instantly if it is misplaced.
  • Don't ever left your credit card unsupervised.

Canara Bank Credit Card Customer Care

Call on the below-given toll-free number to solve your any credit card related query.

For Master Credit Cards- 1800 425 0018

For VISA Credit Cards- 1800 222 884

Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:

hocancard@canarabank.com 

FAQs

Q: What are the types of Credit Cards in Canara bank?

A: Canara Credit Card is designed to meet your lifestyle with anything you might need to make your experience a sheer pleasure. No matter where you are across the world, luxury and comfort are always at hand. List of Canara Bank Credit Card:

1. VISA Classic Credit Card

2. Mastercard Standard Credit Card

3. Global Gold Credit Card

4. Corporate Credit Card

Q: What is the billing cycle on Canara Bank Credit Card?

A: Normally the Canara Bank credit card bill is generated on the following days:

1. For Canara Visa classic and Visa gold credit cards, bill date will generate on 20th of every month and the payment due date is 10th of the succeeding month.

2. For Canara Mastercard standard, Mastercard gold cards and Corporate cards, the bill date will generate on the last working day of the calendar month and payment due date is 20 the of the succeeding month.

Q: What is the maximum interest-free credit period in Canara Bank?

A: You can get up to 50 days interest-free with a Canara Bank credit card. So you have up to 50 days to make payments for your purchases in that billing month. The period will be determined according to the date of your transaction and the billing date. If you clear your bills in full, your interest-free period will continue. If you carry forward a balance, then the interest-free period lapses. Interest will be charged on the revolving amount as well as any subsequent purchases.

Q: How my Canara Bank Credit Card dues are informed?

A: Billing information is made available by email if you have registered your email id with the Bank.

  • You will also be informed by an SMS Alert about the billing amount and due date for payment of card dues to your registered mobile number.
  • You are requested to ensure that sufficient balance is made available in the designated account for a debt of the same on or after the due date.
  • Where sufficient balance is not available in the designated account for debiting the card dues, the account will be overdrawn.
  • The overdrawing is repayable within 15 days. The overdrawn amount attracts interest at Clean Rate of Interest which will be charged on the customer.

Q: What happens if my card dues are not paid by the due date?

A: You will not be permitted to use your Canara Credit Card until the card dues are paid in full. If the default is constant then your name may be referred to the Credit Rating Agency for inclusion in the negative list, which prevents any credit assistance from any financial institution. Legal Action would be initiated to recover the legitimate dues to the Bank.

Q: What are the benefits of Canara Bank credit cards?

A: Some of the key benefits and features Canara Bank credit cards are listed below:

  • United India insurance company offers mediclaim policies for Canara bank credit card holders.
  • Based on the type of credit card Canara bank providing insurance against accidental death of the cardholder.
  • Get cash when you need, with your Canara Bank credit card you can withdraw up to 50% of your credit limit.
  • Enjoy zero annual fees on all the Canara Bank credit cards.
  • Get a waiver on the 2.5% fuel surcharge on the purchase of fuel for Rs. 400 and above.
  • These cards are accepted around the world at all the merchant outlets and ATMs.
  • Spend on your card and avail of 20 and 50 days credit periods to make the payment.

Q: Whether any charge is payable where card dues are not paid on the due date?

A: Canara bank will collect service of charge of 2% + service tax on the balance outstanding plus applicable service tax is charged to the cardholder where card dues are not paid by the payment due date.

Q: What is skimming?

A: Skimming of a card means stealing the information embedded in the card. After stealing the information, a duplicate card would be produced by the fraudster and would be used without the knowledge of the cardholder. Hence it is advised that the cardholder should register their mobile number so that SMS alerts would inform to a registered mobile number of the transactions on his card number. If the cardholder finds any transaction unauthorized, he should contact the Bank on 1800 425 0018 and request for hotlisting the card immediately so that no further transaction can take place on the cloned/skimmed card.

Q: What are the features of Visa Classic Credit Card in Canara bank?

A: The Visa Classic Credit Card is a basic level credit card offered with standard facilities to meet the needs and wants of the customer. The salient features of a Visa Classic credit card are:

  • The minimum visa classic credit card limit offered is Rs 10,000.
  • The free credit time period is up to 50 days.
  • You can withdraw the cash in any Canara bank ATMs by using your credit card.
  • Earn 2 reward points on every Rs.100 spent. Each reward point carries a value of Rs. 0.25.
  • Canara bank provides a free insurance cover against all risk of death due to accident, loss of baggage while travelling and the liability occurred due to loss of card.
  • The sum insured for accidental death is Rs. 4 lakh and 2 lakh for self and spouse respectively.

Q: What is the minimum due payment on a Canara Bank credit card?

A: The minimum due amount is calculated as 5% of the total billed amount which you are spent from your credit limit. Canara Bank charges a minimum of Rs. 100 as the minimum due on any credit card bill. This must be paid by the due date to avoid penalties and other corrective action.

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