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Canara BankCanara BankLifetime Free

Canara Bank Visa Classic Credit Card

ShoppingLifestyleDiningFuel
Welcome offerNo intro offer
Annual fee
Lifetime Free
Reward rate
2 points per ₹100 spent
Credit score
650+
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Free to apply via CardGuruji · subject to issuer approval

Canara Bank Visa Classic Credit Card
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

2 points per ₹100 spent

Points can be redeemed for statement credit, vouchers, or merchandise; 1 point = ₹0.25 typical redemption.

Reward currency
Reward Points
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Zero annual fee

  • Reward points on all spends

  • Fuel surcharge waiver

  • Dining discounts

  • Secure online transactions

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Zero annual fee

  • Reward points on all spends

  • Fuel surcharge waiver

What to watch out for

  • Higher interest rate

  • Limited reward redemption options

  • No complimentary lounge access

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹0Lifetime free — no renewal charge

Other charges

Applied only when the situation arises

Foreign currency markup
3.5% of transaction value
Late payment
₹500 to ₹1,000 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month (42% p.a.)
Cash advance
3.5% per month (42% p.a.)
Eligibility

Will you qualify?

The credit profile this card is typically approved for.

650+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Canara Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Canara Bank Visa Classic Credit Card

Everything you need to know about Canara Bank Visa Classic Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Canara Bank Visa Classic Credit Card is nominal, and the annual renewal fee is Lifetime Free (₹0). Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Canara Bank Visa Classic Credit Card from Canara Bank, a CIBIL score of 650 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Canara Bank Visa Classic Credit Card is designed to reward everyday spends. It currently features: "No intro offer". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Canara Bank's rewards portal.

Canara Bank Visa Classic Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for Canara Bank Visa Classic Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.