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.
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.
?? 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.
? 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 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.
The fastest way to apply for securing a Canara Bank’s Credit Card is to apply through the bank's web portal?
Visit the nearest Canara Bank’s Branch and apply for CanaraBank’s Credit Card.
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.
? 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.
? An individual should be resident of India.
? An individual should have attained 18 years of age at the time of applying for credit card.
? An individual should have a good credit history.
? An individual should have a good CIBIL score.
? An existing account holder of Canara Bank will be given preference.
? An individual should have satisfactory dealings with Canara Bank with an associated bank’s branch.
? An individual should have a permanent source of income.
? An individual should have a minimum income of Rs 1 lakh per annum.
? Passport size photograph
? A copy of PAN card
? If a customer is an NRI, then Passport is required
? Income Proof – Form 16/ latest Salary slips/ Salary Certificate
? Identity Proof – Bank account Statement / Election Voters ID/ Driving license / Aadhaar Card / Ration Card
? Address Proof – Passport / Driving License / Election Voters ID / Ration Card / Rental Agreement / Bank account Statement
?? 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.
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.
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
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 email@example.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.
Through Canara Bank Net Banking services, 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. Scroll down and get to know the features and benefits of Canara Bank Credit Card Login and how to use it.
Benefits you get after Login
How to Register
How to Login
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?
Benefits of Canara Bank Credit Card Payment
How to Register for Canara Bank Credit Card Payment?
How to Pay with Canara Bank Credit Card?
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.?
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:
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.
Applicants can go through both online and offline process. Below given are the step by step tutorial for the process.
Through Canara Bank Mobile App
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 firstname.lastname@example.org
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
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.
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
Canara Bank Credit Card PIN Generation through Net Banking
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.?
Benefits of Canara Credit Card App
Register and Download Canara Bank Credit Card App
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.
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.
You can contact customer service at 1800 425 0018, to get your credit card balance. Additionally, you can also send a message at email@example.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 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.
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.
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.?
For Purchase of Goods and Services
Below given are the applicable charges to use Canara Bank VISA Classic / MASTERCARD Standard Credit Card:
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.
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:
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.
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:
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:
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.