Canara Bank Classic Credit Card
Canara Bank Canara Bank

Canara Bank RuPay Platinum Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: Nil

Renewal Fee: Nil

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The Canara Bank RuPay Platinum Credit Card is an entry-level credit card. This is a completely free credit card without any annual fee or joining fee. This credit card is a good choice for people who want to start their credit card journey with little to no expenses. It would provide them with various benefits along with financial flexibility. With this credit card cardholders get a variety of benefits such as reward points, add-on cards, insurance cover, EMI option, and many other facilities.

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All You Need To Know

Card Type

Rewards & Travel

Reward Points Program
  • Earn 2 reward points for every ₹100 spent on all transactions, including e-commerce. You can easily redeem these points can be redeemed for making purchases or converting them into cashback through the Canara Rewardz portal. 1 reward point is equal to ₹0.25. You need a minimum of 1,000 reward points to redeem for cashback and a minimum of 100 reward points to buy merchandise. These points are only valid for 3 years from the accrual date.
Insurance Benefits
  • Air Accident Cover: Coverage up to ₹8 lakh for the primary cardholder and ₹4 lakh for the spouse.
  • Other Accident Insurance: Coverage up to ₹4 lakh for the primary cardholder and ₹2 lakh for the spouse.
  • Baggage Insurance: Coverage up to ₹25,000.
  • Purchase Protection: Coverage up to ₹25,000 against theft or accidental damage to purchases.
Fuel Surcharge Waiver
  • With this credit card cardholders get a 1% fuel surcharge waiver on fuel transactions ranging from ₹400 to ₹5,000 across all fuel stations in India.
Additional Benefits
  • Up to 4 add-on cards for immediate family members.
  • Higher credit limit, based on your income and bank policies.
  • Easily convert your purchases of ₹5,000 and more into EMIs.
  • Cardholders also get an Interest-free period of 20 to 50 days.
  • EMV chip with the PIN to make your transactions more secure.
  • Easy access to international ATMs.

Canara Bank RuPay Platinum Credit Card Eligibility:

Eligibility Criteria of Canara Bank RuPay Platinum Credit Card

  • Age: Applicants must be between 21 and 65 years old.
  • Income: The applicants should have a gross annual income of at least ₹1 lakh.
  • Credit Score: A good credit score can enhance your chances of approval.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar Card, Passport, Voter ID, or any other government-approved photo ID.
  • Proof of Address: Aadhaar Card, Passport, Utility Bill (not older than 3 months), or any other government-approved address proof.
  • Proof of Income: Latest salary slips (for salaried individuals) or Income Tax Returns (for self-employed individuals).

Note:Canara Bank may request additional documents as per their internal policies.

Fees and charges that apply to Canara Bank Rupay Classic Credit Card:

Fee / Charge Amount/Rate
Annual Fee Nil
Joining Fee Nil
Finance Charges 2.5% per month
Foreign Currency Markup 3.5% on all foreign currency transactions
Cash Advance Charges 3% of the transaction amount, subject to a minimum of ₹30 per ₹1,000 withdrawn
Late Payment Charges 2% of the outstanding amount, subject to a minimum of ₹10 and a maximum of ₹150
Reward Redemption Fee Nil
Fuel Surcharge Waiver 1% waiver on fuel transactions between ₹400 and ₹5,000

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

This card has no annual fee; it is a lifetime-free credit card. It allows the cardholders to enjoy premium credit card benefits without any additional charges.

Cardholders earn 2 reward points for every ₹100 spent on all transactions, including e-commerce.

It is very simple to redeem your Canara Bank RuPay Platinum Credit Card online through the Canara Rewardz portal. 1 reward point equals ₹0.25. You need a minimum of 1000 points for cashback and 100 points for merchandise redemption. These points are only valid for 3 years from the date of accrual.

Yes, the Canara Bank RuPay Platinum Credit Card provides a 1% fuel surcharge waiver for transactions ranging from ₹400 to ₹5,000 at all fuel stations in India.

The card offers various insurance benefits, including air accident insurance up to ₹8 lakh for the primary cardholder (₹4 lakh for the spouse), other accident insurance up to ₹4 lakh for the primary cardholder (₹2 lakh for the spouse), baggage insurance up to ₹25,000, and purchase protection up to ₹25,000.

You can access the following links to find detailed information and procedures related to managing your Canara Bank Credit Card

Check if you are eligible for Canara Bank Rupay Platinum Credit Card on
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