12, March 2025
Introduction
One of the largest public sector banks in India, Canara Bank offers a wide range of credit cards to suit different financial needs. Whether you are a frequent traveller, a corporate professional, or a budget-conscious spender, their cards are a mix of affordable and premium features. This guide covers the eligibility, features, and how to apply online for Canara Bank RuPay Credit Card, so that you can make an informed decision.
1. Types of Canara Bank Credit Cards
Canara Bank provides multiple credit card variants, including:
- RuPay Select Credit Card: No joining/annual fees, 2 reward points per ₹100 spent, and complimentary lounge access.
- RuPay Platinum Credit Card: Includes air accident insurance and luggage coverage.
- Visa Classic/Mastercard Standard Credit Card: Ideal for everyday spending with lounge access and reward points.
- Corporate Credit Card: High cash withdrawal limits (up to ₹5 lakh) and 50-day interest-free periods.
Pro Tip: Compare reward rates (e.g., 1 reward point = ₹0.25) and insurance benefits to choose the best fit
2. Key Features and Benefits
- Interest-Free Period: Up to 50 days on most cards.
- Reward Points: Earn 2 points per ₹100 spent, redeemable for cashback or purchases.
- Travel Perks: Complimentary airport lounge access, travel insurance (up to ₹10 lakh), and fuel surcharge waivers.
- Low Fees: No joining/annual fees for RuPay Select and Platinum cards.
- EMI Conversion: Convert large purchases into easy installments via the Canara ai1 app
3. Eligibility Criteria for Canara Bank Credit Cards
To qualify, applicants must meet:
- Age: Minimum 18 years.
- Income: Salaried or self-employed with stable earnings (varies by card).
- Relationship with Bank: Some cards require a 12-month banking history (e.g., Corporate Credit Card).
- Credit History: Strong credit score (ideally above 750)
Note: Specific income thresholds depend on the card variant. For example, premium cards may require higher earnings
4. How to Apply for a Canara Bank RuPay Credit Card Online
Follow these steps:
- Visit the Official Portal: Navigate to Canara Bank’s credit card section.
- Choose a Card: Select the RuPay variant (e.g., Select or Platinum).
- Fill the Application: Provide personal, income, and employment details.
- Upload Documents: Submit ID proof (Aadhaar, PAN), address proof, and income statements.
- Submit and Track: Use the application reference number to check status via customer care.
Alternative: Download the form from the bank’s website and submit it at a branch
5. Why Choose Canara Bank RuPay Credit Cards?
- Zero Foreign Transaction Fees: Ideal for international spends (unlike Visa/Mastercard).
- Cashback Offers: Up to 25% on Airtel bills and 10% on Swiggy/Zomato via RuPay cards.
- Security: RuPay’s indigenous network ensures secure transactions.
Frequently Asked Questions
Most cards offer 2 reward points per ₹100 spent, redeemable at ₹0.25 per point
No joining or annual fees
Contact customer care or visit a branch with your application number
Conclusion
Canara Bank credit cards are a blend of affordability as well as premium rewards, making them ideal for a variety of users. Focusing on eligibility, features, and seamless online application processes, this guide enables you to choose the best card. For more information, visit the official portal of Canara Bank or contact their branch representatives.
