Canara Bank Platinum
79/100
·
FREE
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
Canara Bank
Canara Bank Platinum
VISA
LIFETIME FREE
Rewards
VISA
Canara Bank Platinum
by Canara Bank · Data verified 2 days ago
PSU bank lifetime-free rewards card with up to 8 domestic lounge visits per year (on ₹40k quarterly spend), 2.5% finance charge, and zero annual fee.
79
Score
Based on rewards, fees, benefits & eligibility
FREE
Fee
Waiver available on spending
2
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
2 RP Earn
base reward rate
8 per year Lounges
complimentary
Lifetime FREE
waiver available
79/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Net Annual Value
You save per year!
What's Great
- Completely lifetime free with zero joining and zero annual renewal fees
- 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year)
- Lower revolving interest rate of 2.50% per month (30% p.a.) versus 3.75% at private banks
- Lower foreign currency transaction markup of 3.00% + GST
- Comprehensive insurance package: ₹8L air accident, ₹4L personal accident, and ₹25,000 baggage\/purchase cover
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Things to Consider
- No complimentary international airport lounge access
- Modest reward earn rate of 2 Reward Points per ₹100 (~0.50% return)
- No specialized partner brand shopping or dining discounts
- Digital banking interface and customer portal are basic compared to fintechs and private banks
Perfect For
Canara Bank customers
PSU bank loyalists
About This Card
Rewards card from PSU bank with decent benefits
Annual Fee
FREE
Joining Fee
FREE
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
2.50% - 2.50%
Foreign Transaction Fee
Markup on international txns
3.00%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹100/mo
Interest-Free Period
On new purchases if paid in full
Up to 50 days (min 20 days)
Cash Advance Fee
Fee for cash withdrawal from ATM
3% of transaction amount with a minimum of ₹150 for every ₹1,000 or part thereof
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
up to ₹5,000
₹250
₹5,001-₹10,000
₹500
₹10,001-₹25,000
₹750
>₹25,000
₹1,000
Reward Points Validity
How long your earned points remain valid
3 years from the date of accrual
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
2
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
No welcome bonus offered
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| E-commerce BONUS | 2 pts/₹100 | 2 RP per ₹100 on E-Commerce transactions |
| Shopping | 2 pts/₹100 | 2 RP per ₹100 on POS transactions |
| Fuel | — | 1% fuel surcharge waiver |
Point Value: 1 point = ₹0.25
|
Redemption Fee: ₹0 + GST per request
Domestic Lounges
8 per year
Travel Insurance
₹8L cover
Fuel Savings
₹100/mo
Purchase Protection
₹25,000 cover
Lost Card Cover
₹0
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •2X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •2 complimentary domestic airport lounge visits per quarter (8 per year) on ₹40,000 quarterly spend
- •1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
- •Accident insurance cover up to ₹4 Lakhs for cardholder and ₹2 Lakhs for spouse
Special Offers & Features
- •Lifetime Free credit card with zero joining fee and zero annual maintenance fee
- •2 complimentary domestic airport lounge visits per calendar quarter (8 per year) on ₹40,000 quarterly spend
- •2 Reward Points per ₹100 spent on POS and online e-commerce transactions
- •1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across all petrol pumps
- •Complimentary accident insurance cover up to ₹4,00,000 for primary cardholder
- •Up to 50 days interest-free credit period
EMI Options
- •EMI conversion on eligible purchases
- •Tenure: 3, 6, 9, 12 months
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
Mobile Wallet Support
Google Pay
Apple Pay
Samsung Pay
79
out of 100
CardSahayak Score
"Apply Now" takes you to Canara Bank's official website.
Eligibility
Salaried
₹25,000/mo
Self-Employed
₹25,000/mo
Age
21-60 yrs
CIBIL
700+
Employment
Salaried, Self-Employed
Card Variant
Platinum
Scores
Rewards
25/100
Fees
98/100
Benefits
44/100
Access
84/100
2 Active Offers
Deals & Offers
Exclusive offers available on Canara Bank Platinum
EaseMyTrip
Get flat 12% instant discount up to ₹1,800 on domestic flight bookings via EaseMyTrip using any Canara Bank Credit Card.
12
Till 31 Dec 2026
EMTCANARA
travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹4,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Open EaseMyTrip website or app.
Step 2: Search and select eligible domestic flights.
Step 3: Apply coupon EMTCANARA on payment page.
Step 4: Pay using any Canara Bank Credit Card to get instant discount.
Step 2: Search and select eligible domestic flights.
Step 3: Apply coupon EMTCANARA on payment page.
Step 4: Pay using any Canara Bank Credit Card to get instant discount.
Terms & Conditions
Valid on all Canara Bank Credit Cards. Minimum booking amount is ₹4,000. Maximum discount is ₹1,800. Valid once per card per month.
Use Code:
EMTCANARA
Visit Offer
Swiggy
Enjoy 20% instant discount up to ₹100 on dining and food deliveries on Swiggy using your Canara Bank Credit Card.
20
Till 31 Dec 2026
CANARA20
dining
Discount
Flat 20% up to ₹100
Min Spend
₹399
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Open Swiggy app.
Step 2: Add food items worth ₹399 or more.
Step 3: Apply promo code CANARA20.
Step 4: Complete transaction with Canara Bank Credit Card.
Step 2: Add food items worth ₹399 or more.
Step 3: Apply promo code CANARA20.
Step 4: Complete transaction with Canara Bank Credit Card.
Terms & Conditions
Valid on all Canara Bank credit cards. Minimum order ₹399. Maximum discount ₹100. Valid twice per user per month.
Use Code:
CANARA20
Visit Offer
❓ FAQ
Frequently Asked Questions
Everything you need to know about Canara Bank Platinum
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹25,000/month min
- • CIBIL: 700+ recommended
Canara Bank Platinum comes with zero annual fee — completely free for life!
You earn 2 reward points per eligible transaction. Each point is worth approximately ₹0.25.
Welcome bonus: No welcome bonus offered on activation!
Redeem for flights, hotels, vouchers via Canara Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 8 per year
- → 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) on spending ₹40,000 in previous quarter via Dreamfolks / Visa
- • Instant: Pre-approved Canara Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Canara Bank Platinum today and unlock amazing rewards and premium experiences.
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