Canara Bank Credit Card
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Canara bank is one of the biggest public sector banks in India. Canara Bank is a leading public sector bank having headquartered at Bangalore. It has offices in all over India as well as at London, Hong Kong, Moscow, Sanghai, Dubai, Tanzania and New York.
After merger of syndicate bank into Canara bank, it has become second largest Bank in India. It is a top performing bank in India. It is having head quarter at Bangalore.
Our research team has collected all the special vital information related to the Canara Bank credit card and shared for the benefits to the peoples; reading time is 2-3 minutes.
Choose your Canara Bank Credit Card
Canara bank offers mainly four very useful credit cards- Rupay Platinum Credit Card, Rupay Select Credit Card, Canara Global Gold card and Canara Corporate Card. All the four credit cards are quite popular among the customers based on the utility.
Rupay Platinum credit card is having unique feature related to very high maximum credit limit; one can have maximum INR 25 lakh as credit limit. Apart from this card are having many other exciting offers.
Canara Gold credit card has all the facility having master card. It has especial facility of airport lounge access apart from reasonably good credit points.
Canara Corporate Credit Card is helpful for corporate executives as it offers discount or high credit point offers for frequent travel, complimentary Insurance, hotel or dinning, etc.
If we compare the charges of Canara Bank credit card with others then it will seems little elevated but overall if we compare the yearly charges or entry charges then it is quite reasonable than others.
Canara Bank Credit Card eligibility
Eligibility to have Canara Bank Credit Card is not stringy, age requirement; income requirement, credibility etc. are a few to mention as mandatory.
- Age requirement – The aspirant must attained the age of 21 years at the time of application; he or she must not crossed the age of 60 years to be eligible for Canara bank credit card.
- Minimum income requirement – Canara bank allow the salary class as well as self employed personals. But in both the cases the minimum Income should not less than INR 1 Lakh per annum. Thus approx. INR 8 thousand per month is coming as mandatory Income.
- Good Credibility – Credibility is determined by Canara Bank by one’s SIBIL score. Out of 1000 of the SIBIL score, this is distributed among many factors, but mainly on the loan taken and the re-payment history. For eligibility one must have at least 600/1000 in SIBIL.
Free Canara Bank Credit Card
There are many free credit cards offered by Canara Bank. Canara Bank Visa classic, Canara Bank master credit card and Canara Global Gold credit card are free credit cards. These credit cards do not require any entry fees or yearly renewable fees.
In spite of being free these cards offers many lucrative features related to our day to day needs. Canara bank master credit card has a unique Life Insurance coverage of INR 4 Lakh not only for self but it also covers same amount of life insurance coverage for spouse.
Similarly, Canada Global Gold Credit Card provides the life coverage of INR 8 Lakh to self and spouse. Hence, in the life coverage feature the Canara bank free credit card is unique.
Canara Bank Credit Card apply minimum salary
Canara Bank Credit Card requires a minimum income of INR 1 lakh per year to its applicant. Whether a person is a salaried class or business man, the minimum income requirement of RS 1 Lakh is same for both the cases.
The proof of the income can be shown with help of last income tax returns papers or form 16 declaration. Thus, we can say that as far as minimum income requirement is concern, the Canara bank is quite liberal.
The monthly income of Approx. 8 Thousand is easy and very common. Even a person working on minimum wages as per rule of Govt. of India, this limit of Rs 1 lakh is achievable.
Canara Bank Credit Card Apply
Online and offline both method of application for Canara Bank credit card is available. However, online application is popular, easy and require less time. Online application require to log in into Canara bank internet banking portal, however, offline require to submit a filled application format at the local branch or centrally controlled office by post.
- First you have to log in to the Canara bank internet banking by entering the required ID and password.
- The credit card option remains available on left side menu. It will take you about the details of earlier credit card, if you have or grant you option to select a Canara Bank credit card as per your choice and apply for procurement.
- If you proceed for apply button, then it will show you that your application has been submitted and you will get further response from bank side in 36 hours.
- You will get the response from Canara Bank executive from credit card wing.
- Bank executive will collect necessary documents related to address, Income etc. at the same time, executive will finish the form fill up procedure and collect your photographs.
- By help of customer care help – Customer care of Canara Bank also eagerly wait to the new applicant of credit card. They can provide you full assistance and let you know the complete procedure as well as they will also schedule your meeting with the bank executives.
- Off line method of application- There is form for new credit card application available at Canara bank portal. One can down load and submit it with necessary documents at the nearest branch of Canara bank.
Canara Bank Credit Card status
It is quite obvious that once we apply for a credit card our next query is related to the status of the credit card application.
Canara bank provides various ways to know the instant information about the status of application of credit card. You can check the status online by visiting the credit card section on the official web site of the Canara bank.
In credit card section you can provide your mobile number and the application number, when you will click on process button, it will provide you the status of the credit card after secure OTP through your mobile number.
Second method to know about the status of submitted application for credit card is through customer care helpline. On automated customer care number 1800 425 0018 the option to select the status of credit card remains available. One can use this effective method too.
Canara Bank Credit Card Login
Ccapp dot canara bank dot in portal is available exclusively for the new Canara Bank card holder to access the card activity online. The first step is the process of card registration.
The registration process is of three steps. First is to press the ‘Register’ option available there on the portal. Second step is to provide the details of card as well as about the registered mobile number and email ID. In last step is to receive and provide the OTP. These will the end of the first step of registration of your credit card.
For new username, one can use the option of ‘forget username’, by help of registered mobile and information of card instant generation of user ID can be done. But for last two digit of user ID you have to contact the customer care.
By using the tab ‘Forget password’ and after providing the user ID one can generate the password. Now the online facility to monitor the transaction of credit card, bill payment, redeem of credit points etc. all are under your finger tips.
Canara Bank Credit Card PIN Generates and Reset
Reset the PIN and new PIN generation, these two activities are essential for security point of view. We always come across the cyber theft and forgery, the best way to avoid these incidents to keep your PIN changing.
However, one can use the credit card without setting any PIN; however, it is highly advisable to generate the PIN. It is simple and available at your online Credit card banking portal. The PIN generation and re-setting work can also be carried out at any Canara Bank ATM also.
You have to login to your credit card or saving bank account portal. On left hand side menu, you will get PIN generation tab, same tab is being used to re- set the PIN. There you have to click, type a four digit PIN of your choice. This PIN you have to type twice and proceed for generation, after putting the OTP.
The generation and re-set of PIN process is also available at ATM, that can also be used easily. However, online process is more popular and safe.
Canara Bank Credit Card Statement
Access of credit card statement and paying the bills on time, these are such an essential step without which one can panelize unnecessary.
Canara Bank provide various way to access the credit card statement, one can access it by online banking, through email and by use of app.
Online banking is most common way of getting the statement; however, registering once for email monthly bill is the regular managing process.
Canara Bank EMI Calculator
There is enormous link of Credit Card and EMI. Canara Bank Credit card has facility of conversion of big purchase into simple EMI, loan facility up to the credit limit etc. Thus we require calculating instantly the EMI to make a mind to go for loan.
Canara Bank provides EMI calculator that helps on calculation of EMI. EMI calculator of Canara Bank needs to fill the principal amount, rate of interest and number of re-pay months. Nicely colorful EMI calculator makes you aware about the money every month you have to pay.
Canara Bank Credit Card Payment
Canara bank allows interest free credit card bills for maximum of 50 days. After that period one has to pay an interest of 3.5 % monthly on the balance amount.
Canara bank provides app portal, online banking portal as well as offline cheque payment for credit card bills payment.
Credit card app portal is exclusive for credit card works, so better to use it. However, online banking of Canara bank or any other bank is also available for payment of credit card bills.
Online methods are too simple as far as handling and security aspect is concern. One has to log in to the online banking portal after using the credentials. One has to opt for bill payment tab. Once you have to provide the details of your new card, this can be used in coming successive payment. You can set payment of once or you have the option of selecting the monthly payment.
You can easily transfer the required amount of bill from your account to credit card account by entering the amount to be transferred as well as the OTP received.
Canara Bank Credit Card App
‘Canara Saathi’ is the canara Bank mobile app available on Google Play, one can download it for the monitoring and many more application related to credit card.
Canara Saathi is compatible with tablet / desktop / laptop / mobile phone. It is available for Android as well as IOS platform.
This app require only 1.8 Mb of space and helpful in performing many task related to Canara bank credit card as well as other features related to Canara Banking.
Canara Bank Credit Card Offer
Card Place is the online platform to get the latest offer available with Canara bank credit card. However, many offer of Canara bank credit card remains open whole year, but the festive seasons is the right time to explore for maximum return in purchasing.
Canara Bank credit card has exciting offers related to Insurance cover, cash back offer, concierge services, merchant offers etc. Proper prior information of all present offers on various purchases through Canara Bank credit card is some time helps on saving a lot.
- Credit limit – There is possibility to have a high credit limit up to INR 25 lakh. However, it require high earning proof also.
- Free credit period – Canara Bank relaxes the interest on purchase up to 50 days. Thus it is highly helpful in re-payment of the bills.
- Revolving facility – There is revolving facility on un-paid bills. But customer has to pay at the rate of 2.5 % per month as interest on outstanding bills.
- Cash withdrawal facility – Canara bank allow the credit card customer to withdraw an amount equal to 50 % of the credit limit. There is a maximum withdrawal barrier of INR 50000.
- Reward points – There is a provision of two reward points on every purchase of INR 100. One reward point equals to Rs 0.25.
- Baggage Insurance- Canara Bank credit card holders have a privilege of baggage coverage equal to INR 25000 / -.
- Purchase protection Insurance- In this era of fraudulent purchase protection is a great relief.
Canara Bank Virtual Credit Card
Virtual Credit Cards are highly secured as they are linked to your account and already charged from there. There is a daily limit of a Virtual Credit card; hence seller cannot charge more than their committed price from your credit card. Money remaining on your virtual card expires at the end of the day; you have to do a scheduling if you wish to use the card in next day.
However, Canara bank is in process of implementing virtual credit card in a short interval of time.
Redeem Canara Bank Credit Card
Canara Rewartz dot com helps in redeeming earned reward points. One can easily redeem the earned points on purchasing a variety of essential and style based items.
All the Canara bank credit card has to enter through common gate way by providing ID and pass ward, then as per their eligibility i.e. Rupay, Visa, Gold etc. one can redeem the earned points.
Canara Bank credit card earned credit points can be redeemed by purchasing the items of various brand. More than 70 companies’ items are available to redeem the earned credit points.
More details of different redeem option is available on the Canara Rewartz dot com, you can visit there and select your choice for your redeem of earned credit points.
Canara Bank Cash Withdrawal Charges
There is a facility of cash withdrawal at any ATM with the help of Canara bank credit card. One can withdraw maximum of 50 % of the credit limit. The charge on re-payment is 2.5 % of the amount withdrawn per month as monthly interest.
Canara Bank Credit Card Address Change
To change the new home address in the Canara bank credit card, one has to fill and submit the KYC form. The new address proof has to enclose with the KYC form.
Registered home address becomes important as the bank sends any postal communication or the up graded credit card in your home address. Hence, It is essential to keep the home address updated in your credit card is quite essential.
Canara Bank Credit Card Loan Convert
There is a provision to convert or transfer the loan amount into
Canara Bank credit card. One can transfer the loan of Canara bank or the other bank loan or credit card loan into the Canara bank credit card. However, maximum one can transfer up to the available credit limit.
The process of conversion is simple and available online. One has to follow the process of loan through credit card first. It does not require any paper work or any mortgage. Loan on credit card can be initiated by credit card online banking.
Close Canara Bank Credit Card
Closure process of Canara bank Credit cards requires a few simple steps. All one can do online no need to visit the branch office. However, before closure process it is worthwhile to do a few compulsory checks.
It is essential to complete a few of essential criterion fixed by Canara Bank before moving towards the closure application of credit card.
- There must not any outstanding amount against the credit card. All should be cleared. You have to check the zero outstanding amounts in the name of canara Bank credit card. You can check it by simply logging in the credit card online system and check it out.
- In case there is any amount then immediately you have to pay and make the way clear for closure.
- If there is any attached ongoing loan then obviously, Bank will not process your closure application. You have to pay the complete loan amount with pre-closure of loan charges. Every sanctioned loan has a already determined number of EMI, if you are paying it in advance then bank will charge a lump sum amount as the pre-closure charges.
Once you will check the above mentioned points, you can go to the online banking. Go to the mail section and mail a letter mentioning you want to close the Canara credit card permanently. You can also initiate the closure process by contacting on customer service number or by visiting the bank branch closure process can be performed.
Canara Bank Credit Card Complain
Canara Bank Credit card has a dedicated portal for lodging the complaint. You can visit grievance complaint page of Canara bank portal or simply search it on Google.
Email, Fax numbers or Phone numbers as per Canara Bank various zone is provided there, one can lodge a complaint over there.
However, for any fraudulent transaction you can immediately block your credit card by sending SMS to BLOCK spacefour digit of your credit card and send to customer care number. Card will be automatically blocked within a few minutes.
Canara Bank Customer Care Toll Free Numbers
Since Canara bank and Syndicate bank both are now merged together recently. They have different customer care numbers.
Canara bank toll free customer care number is 1800 425 0018. This customer care is functional 24 x 7, hence one can get the solution of his or her problem any time.
Canara Bank Credit Card Pros and Cons
|Canara bank credit card offers a unique insurance coverage. It covers the card holder and the spouse up to an amount of INR 8 Lakh.||We do not find any as such any problem related to Canara bank Credit card. It is available online as well as offline.|
|The remarkable credit limit of Canara bank is un-parallel. The maximum credit limit on Canara bank credit card is INR 25 lakh.||However, Canara Bank web site requires modification, as it is not user friendly. Especially for credit card users it is difficult to search redeem the credit card or to know the complete details of a particular credit card.|
|Canara Bank Credit card have a loan transfer facility, one can transfer the loan of other bank into the Canara bank credit card.||Failure of payment of bills in prescribed interval of time attracts high interest rate.|
|Canara Bank offers one of the lowest credit revolve facility at the rate of 2.5 % per month.|
|Canara Bank credit card offers any purchase more than INR 5 thousand into EMI.|
Canara Bank offers mainly five various credit cards to cover the needs of its customers. Canara Bank credit cards have a few worthy to mention features. The insurance coverage of INR 8 Lakh to the card holder and the spouse is one of such feature.
The credit limit available in Canara Bank credit card is also unique. The maximum credit limit on Canara bank credit card is INR 25 lakh.
Canara Bank Credit card have a loan transfer facility, one can transfer the loan of other bank into the Canara bank credit card.
Canara Bank offers one of the lowest credit revolve facility at the rate of 2.5 % per month.
Canara Bank credit card offers any purchase more than INR 5 thousand into EMI.
Canara Bank Credit Card FAQs
Q1. Can I see the unbilled transaction of Canara bank Credit card?
Ans- Yes, all the transaction date wise remains available on online credit card banking portal. You have to log in to it and go for the statement section, you can download the all the transaction for a particular interval.
Q2. How to give credit card limit enhancement in Canara Bank?
Ans– On line one can give the request for card credit limit enhancement. One has to use the credit Enhancement Tab available on online credit card banking or through Canara bank app.
Q3- What is the Canara self service app?
Ans– Canara Self service app is an application available for mobile/laptop/desktop. One can do all the Canara Bank related work including Credit card work from this app.
Q4. Is there any fraudulent coverage in Canara bank credit card?
Ans- Yes, Canara Bank provides INR 25 thousand for any kind of forgery or fraud.
Q5. What If I forget the ID or pass word of online credit card portal?
Ans- Nothing to worry, you can easily generate it through the help of forget ID or forget password facility provided on log in page. You only need to keep ready your mobile and the credit card with you at the time of generation.