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Canara Bank, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, Canara Bank is a name to reckon in the credit market.
The customers can enjoy numerous benefits on tailor-made Canara Bank
For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle. Clearly understanding the customer’s spending habits, Canara Bank offers varied credit cards in the following categories.
1. Shopping Card
2. Cashback Card
3. Rewards Card
4. Travel Card
5. Life Time Free Card
6. Business Card
7. Lifestyle Card
8. Entertainment Card
From the above listed credit cards, you can choose the one that suits your priorities and spending behaviour. You can save a huge amount through offers and rewards provided in each category.
Individuals who want to apply for a Canara Bank credit card must meet the following eligibility criteria.
To apply for a Canara Bank credit card, you must fall into the age limit set by the bank. The applicant should be minimum of 21 years old and maximum of 60 years. Anyone falling under this age limit can apply for a credit card with Canara Bank.
You must have a regular income to avail a Canara Bank credit card. The income criteria differ according to the features and specifications of the card. The minimum income required to get a regular Canara Bank credit card is INR 1,00,000 per annum.
The customer should show a proof of steady source of income to avail a credit card from Canara Bank. You can either be a salaried employee working in an established company or a self-employed professional managing your own business.
Nationality: The applicant should be a resident of India or Non-Resident Indian.
The applicant must check the following things while applying for a Canara Bank credit card.
Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill.
You can also get a Kotak Mahindra Bank credit card against a fixed deposit.
Age of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Credit History of the Applicant: Credit history is a clear proof of how an individual manages his/her credit related activities. A good credit history is highly preferred by the lender for offering a credit card.
Nationality Criteria of the Applicant: The applicant should be a resident of India or Non-Resident Indian.
How to Apply for Canara Bank Credit Card?
If you want to apply for a Canara Bank credit card, the process is simple, and you can follow the steps given below to get it.
To apply for a Canara Bank credit card, you need to submit the following documents.
Canara Bank cardholder can get interest free credit period of up to 50 days, however, it is subject to change according the scheme and card. You won’t get an interest free period if the previous month’s balance is not cleared in full on or before due date. Similarly, interest free period is not applicable for withdrawing cash from ATM.
Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set by the bank. The charges may vary for different cards depending on the schemes. Annual fees will not be refunded to the cardmember at the time of closure of the credit card.
Cash Advance Fees: The cardholder can use the credit card to withdraw money from ATMs in India and abroad any time. For each transaction, a fee of 3.0% of the amount withdrawn will be charged and it will be added in the next monthly bill. ATM transactions do not get interest free period unlike other purchases.
Late Payment Charges: Late payment charges are applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable
The credit limit on the Canara Bank credit cards are determined by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery.
The customer who wants to increase the credit limit can write to the bank asking for increase in the credit limit. While requesting for the increase, the cardholder needs to submit the financial documents such as salary slip, bank statement, income tax returns etc. However, the credit limit increase is determined at the sole discretion of the bank.
You can get in touch with the Canara Bank credit card customer care 24X7 by contacting the following numbers.
You can call the toll-free number 1800-222-884 and 1800 425 0018 from your mobile and Landlines in India.
You can also write to Canara bank to the following email id: hocancard(at)canarabank(dot)com.
You can use the following methods to pay your Canara Bank credit card bills.
Canara Bank Account Holders:
You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a pre-determined amount from your account. This can help you pay the bills on time and avoid paying interest on late payment.
NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Bill Desk: You can use the Canara Bank Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to Canara Bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.
You can pay your Canara Bank credit card bills by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.
If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
It is now easy to check whether you are eligible to get a Canara Bank credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.
1. Visit the CreditMantri website
2. Click on ‘Credit Cards’ option which will take you to the page where a credit cards from varied banks are listed.
3. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
4. Click on ‘Check Eligibility’ which is displayed against the credit card you choose from the page.
5. You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on ‘Next’ to proceed to the next step.
6. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.
CreditMantri pre-screens your application and suggests the lender who suits your eligibility and is willing to lend to you. This increases the chances of approval rate and helps you get the right loan or credit card much easier.
1. What are the different credit cards offered by Canara Bank?
Canara Bank offers different credit cards to suit customer needs –
2. How can I apply for credit cards from Canara Bank?
Applicants can apply for Canara Bank credit cards through their branch.
3. What factors determine my eligibility for a credit card from Canara Bank?
The essential factors that determine your credit card eligibility are:
4. Is there any joining fee to get a Canara Bank credit card?
There is no joining fee or annual fee on Canara Bank credit cards.
5. Which Canara Bank credit card is suitable for frequent shoppers?
Frequent shoppers can go for the Canara Rupay Platinum credit card as it gives multiple merchant offers, cashback offers and concierge services for its users.
6. What is the maximum credit limit I am eligible for?
Applicants can get eligibility for up to Rs.25 lakhs credit limit.
7. Do Canara Bank credit cards allow me to withdraw cash from ATMs?
Yes, Canara Bank credit cards allow cash withdrawal of up to 50% of your credit limit.
8. What are the documents I need to submit to apply for Canara Bank Credit Cards?
The essential documents required to be submitted are:
9. Which transactions are eligible for EMI conversion?
To be eligible for EMI conversion, the value of the credit card transaction should be Rs. 5000 or more. For this facility, transactions such as jewellery/gold, cash withdrawals, balance transfer and card fees will not be valid.
10. How do I submit a card limit enhancement request on my Canara Bank credit card?
The customer may request an improvement of the card limit by selecting "Increase Card Limit" under the Service Requests tab.
11. Can I get my family members an additional Canara Bank credit card?
Yes, for a spouse, children and parents, you can get additional cards.
12. What is the age limit to apply for Canara Bank credit card?
The applicant has to be aged between21 to 60 years to apply for a Canara Bank credit card.
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