Start your credit journey with lifetime-free benefits, UPI compatibility, and comprehensive insurance coverage for everyday peace of mind.
Zero Joining and Annual Fees
RP per ₹100 on POS & e-commerce transactions
Enter your details to get started
| Benefit | Details |
|---|---|
| Lifetime Free | Zero joining and annual fees. |
| Reward Programme | 2 points per ₹100 on POS/e-commerce (₹0.25 per point). |
| Insurance Coverage | Fraud ₹2L; Purchase protection ₹25K; Baggage ₹25K. |
| Interest-free Credit | Up to 50 days when the balance is paid in full. |
| EMI Conversion | Convert purchases via the Canara ai1 app. |
| Global Acceptance | Domestic and international; activate via net/mobile banking. |
| Low Inactivity Fee | ₹100 if annual transactions are below ₹12,000. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Canara Bank |
| Bank / Non-bank | Nationalised Bank |
| Category | Entry-Level / Credit Building |
| Type of Card | Rupay Classic |
| Free or Paid | Lifetime Free |
The Canara Bank Rupay Classic Credit Card is designed for first-time credit card users and individuals seeking to build credit history with UPI payment compatibility. This card serves those valuing zero joining and annual fees coupled with digital payment convenience through UPI integration on popular apps like Google Pay and PhonePe. With minimal inactivity requirements of just ₹12,000 yearly transactions, it proves suitable for light spenders beginning their credit journey. The Rupay network enables domestic-focused usage with comprehensive insurance covering fraud protection up to ₹2 lakhs, purchase protection, and baggage insurance, making this appropriate for those seeking entry-level benefits.
Rupay Network: Issued on India's indigenous Rupay platform with domestic and international acceptance.
Transaction Types: Supports ATM withdrawals, POS purchases, and e-commerce platforms.
Minimum Transactions: Expected ₹12,000 annual transactions to avoid the ₹100 inactivity fee.
Reward Redemption: Points redeemable at www.canararewardz.com for cashback or merchandise.
EMI Facility: Convert eligible purchases into EMIs through the Canara ai1 app.
Earning Reward Points
Standard Rate: 2 reward points per ₹100 on POS and e-commerce (₹0.25 value per point).
Redeeming Reward Points
Platform: www.canararewardz.com for redemption.
Options: Cashback against outstanding, merchandise, gift vouchers.
Zero Costs: No joining or annual fee, lifetime free.
UPI Access: Immediate compatibility with popular UPI payment platforms upon activation.
The Canara Bank Rupay Classic Credit Card offers 1% waiver on fuel transaction.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 | No charges. |
| Annual Fee | ₹0 | Lifetime free. |
| Enrolment Fee | ₹0 | No charges. |
| Criteria | Details |
|---|---|
Age | 21-70 years. |
Income (Individuals) | Minimum ₹1 lakh gross annually. |
Income (Staff) | Minimum ₹4K monthly. |
Residency | Indian resident. |
Credit Score | Good credit history recommended. |
| Document Type | Details |
|---|---|
| Identity Proof | PAN, Aadhaar, Passport, DL, Voter ID. |
| Address Proof | Aadhaar, Passport, DL, Voter ID, recent utility bill. |
| Income Proof | Salary slips; bank statements (3 months). |
| Photographs | Passport-size. |
| Additional | As requested by bank. |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your Canara Bank Rupay Classic Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Build Credit History | Use regularly and pay on time to establish positive credit profile. |
Maintain Minimum Transactions | Keep annual spending above ₹12K to avoid ₹100 inactivity fee. |
Maximise Rewards | Use for POS/e-commerce to earn 2 points per ₹100. |
Leverage Interest-free Period | Pay full balance for 20-50 days interest-free credit. |
Redeem Points | Visit www.canararewardz.com for ₹0.25 per point cashback/merchandise. |
Convert Purchases | Use Canara ai1 app for EMI conversion on larger transactions. |
Activate International Usage | Enable via net/mobile banking before travelling abroad. |
The Canara Bank Rupay Classic Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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