• Upto 50 days of interest free credit
• Easy EMI Conversion through Canara ai1 app.
• ATM Cash Withdrawal & other non financial services.
• Exclusive Merchant Offers
• Rewards Points for every PoS / e-commerce transaction.
• Complementry Insurance Benefits
• 24X7 Concierge Services.
• Complimentary Airport Lounge Access:

Domestic Airport Lounge Access	2 per Qtr for Self
International Airport Lounge Access	2 per Year for Self

Acceptance

• Domestic & International Acceptance
• International / Global usage can be activated through net banking / mobile banking or by visiting the base branch.

Features

Card features	RuPay Select Credit Card
Global validity	Available
Credit Card Limit	Ranges from ₹.1 lac to ₹. 50   lacs
Revolving credit facility	Available
Repayment facility through alternate banking channels.	Available
Cash withdrawal facility	Available with service charges @ ₹ 30/- per ₹1000/- or part thereof.
Inactivity fee, if the Card is not used for a minimum annual turnover	₹.300/- per annum - if the turnover is below the threshold limit of ₹.1,00,000/- per year
Insurance cover for Death due to Personal Accident – for card holder and spouse	AIR Accident: ₹ 8.00 lakhs for self ₹ 4.00 lakhs for spouse Other than Air Accident: ₹ 4.00 lakhs for self ₹ 2.00 lakhs for spouse
Lost Card Liability	In excess of ₹. 1000 from the time of reporting of loss of Card
Baggage Insurance Purchase protection cover	Up to ₹25,000 Up to ₹25,000
Reward Points from M/s Loyalty Rewards	2 points for every ₹.100/- transaction for purchases/ payments. Value of each point is ₹. 0.25/-.
Maximum Credit Limit per month :	Rs.50,00,000/- & Minimum limit is Rs.1,00,000/-

• Additional features provided by NPCI

Card features	RuPay Select Individual Credit Card
RuPay Insurance Program	₹ 10.00 lacs cover for Death due to Personal Accident and Permanent Disability.
Cash Back Offer - Utility Bill Payment Services	5% Cash back on payment of Utility Bills applicable for both online and PoS terminals capped at ₹. 50 per month.
Cash Back Offer on Eating Places & Restaurants	5% Cash Back Offer on Eating Places & Restaurants - capped at ₹ 50 per month
Lounge Access Program Domestic	Two Free Access per quarter. Covers 30 Lounges across 11 cities in India
Lounge Access Program - International	Two Free Access per year - covers 500+ Lounges across 300+ cities worldwide
Concierge Services	24X7 Assistance - Referral and Reservation Services - Hotel, Dining, Car Rental, International Travel
Merchant Offers	Offers/ Discounts at select Online and POS merchants provided by NPCI from time to time

• Merchant offers/ concierge services/ additional features provided by NPCI may vary from time to time
• Refer following link for details of NPCI Offers

• Independent income with a minimum of ₹10 lakh gross per annum for individuals.
• Minimum annual gross income of ₹.60000/- and minimum net take home salary of not less than ₹.4000/- p.m. for staff members.

• Fee and Charges

Nature of Charge	Amount of Charge
Enrollment fee	NIL
Annual Fee	NIL
Card Inactivity Fee Applicable only if the card turnover during the card year is less than ₹. 1,00,000/-	₹300/-
Free Credit Period	Minimum of 20 to and maximum of 50 days
Charges on Revolved Amount, Where the cardholder has been permitted Revolving Credit facility, the cardholder needs to pay only the minimum due amount indicated in the bill. The unpaid portion will only attract service charges.	2.50%p.m.(Annualized Percentage Rate 30% ) for all other credit cards.
Minimum repayment on Revolving Credit (Minimum Amount Due – MAD):	5% of Total outstanding amount (Min. ₹. 100) + all applicable charges/fees/taxes + EMI (in cases of EMI availed by card holder)+ over the limit amount (if any)
Card Replacement Fee	₹. 300/- per card (applicable for both primary and addon card)
Mark up in case of Transaction in foreign currency	Upto 3% of transaction Amount
Duplicate Statement	₹. 10 per page
Cheque dishonor charges or unsuccessful payment instructions	₹. 50
EMI Processing fee	2% of transaction amount with minimum of ₹. 100/- and Maximum of ₹. 200/-
Rate of interest on EMI	13% p.a. for EMI period of 3,6 and 9 months and 14% p.a. for EMI period of 12,18 and 24 months.
EMI Pre-closure penal charges	2% of outstanding principle.
Surcharges Railway Tickets – Railway Counters Railway Tickets – www.irctc.co.in	₹. 30+ 2.5% of transaction amount 1% of transaction amount + all applicable taxes
Fuel Surcharges Petrol & all products/services sold at petrol pumps	1% of transaction value with minimum fee of ₹. 10+ applicable taxes. Maximum of ₹ 100/- for the billing month would be reimbursed in the upcoming billing month in the following cases Card should have been used for a minimum amount of ₹. 2500/- for purchase transactions during the billing month. Minimum purchase of petrol & petroleum products per occasion(ticket size) for reckoning under this scheme is ₹.400/-.
Transaction fee for cash withdrawal through Credit Card at Canara Bank ATMs *(per transaction) *Use of other Bank ATMs attracts extra charges levied by the respective banks.	3% of the transaction amount subject to a minimum of ₹. 30/- for every ₹. 1000 or part thereof.
Copy of charge slip	Domestic ₹. 100/- International US $10/- or equivalent
Original Charges slip: If processed by our Bank	USD 2.00 (Approximate rupee equivalent is charged)
Original Charges slip: If Procured from other Bank	USD 6.00 (Approximate rupee equivalent is charged)
Collection charges for outstation cheques	₹. 100 per instrument+ other banks charges, if any
Charges in respect of notices reminders sent to cardholders having overdues	₹. 50/- per notice
Services Charges for Delayed payment beyond due date For Revolver and Non-revolver	Late payment fee of ₹ 250/- + GST will be charged, this is in addition to existing service charges (2.5% p.m. i.e. 30% per Annum) on carried over balance.

• All the above listed charges excluding GST and 18% GST will be charged extra
• All other out of pocket expenses incurred for any services rendered will be collected in addition to the fees/charges mentioned above.
• All fees / charges are subject to change and at the discretion of the Bank. The changes in fees / charges and the effective date will be indicated in the bills / MITC/ Bank site/ SMS /emails etc. Intimation on any such modification in fee/charges will be intimated to customer through SMS /emails etc. Bill/statement will be generated only when there is a billable transaction for the billing month.

• Click here to know about User Manual:

Most Important Terms & Conditions (MITC) for Canara Credit Card

Click here to know about Credit Card Policy 2023 24

• Click here to know about Rewards Points

• Credit Card Application (English)
• Credit Card Application (Hindi)