2 complimentary domestic airport lounge visits per quarter and 2 international visits per year
5% cashback on utility bill payments and 5% cashback at eating places and restaurants, each capped at ₹50 per month
personal accident death cover of up to ₹8 lakh for self and ₹4 lakh for spouse
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeThe annual fee is NIL, so no spend-based waiver is required. A card inactivity fee of ₹300 per annum applies instead if the card turnover in the card year is below ₹1,00,000
₹354
₹300 + GST
Eligibility
Age
18-75 years
Salary
₹83.3K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.00% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3%): ₹100 → ₹3 ₹1,000 → ₹30 ₹10,000 → ₹300 ₹1,00,000 → ₹3,000
3%
Finance Charges (APR)Finance charges of 2.50% per month (30% per annum) apply on unpaid outstanding balances until the amount is fully repaid
2.5%
ATM Withdrawal3.00% of the withdrawn amount is charged on cash advances using the credit card minimum ₹150, if applicable
3%
Reward RedemptionThis fee is not applicable for this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentThis fee is not applicable for this card
Not Applicable
Cheque PaymentA fee of ₹50 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹50
Cash PaymentThis fee is not applicable for this card
Not Applicable
Late Payment Charges
Amount due
Fee
₹250
2.5% (30%) annum
2.50% per month (30% per annum) on the carried-over balance. Canara Bank levies a single flat fee — there is no slab structure
Reward Exclusions
FuelCash AdvanceATM Withdrawals
Terms & Conditions
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
