Canara RuPay Classic Credit Card
Canara Bank
Last updated: Dec 02, 2025
₹0
₹0
3%
No lounge access
Contents
The Canara RuPay Classic Credit Card is a simple, lifetime-free rewards credit card from Canara Bank designed for beginners and budget-conscious users who want to build credit without paying annual fees. You get up to 50 days of interest-free credit, easy EMI conversion via the Canara ai1 app, and 2 reward points for every ₹100 spent on POS and e-commerce transactions, as per the official Canara Bank product page. This RuPay credit card supports domestic and international usage, comes with fuel surcharge benefits, strong insurance coverage (including accidental, baggage and purchase protection), and can be linked to UPI apps for everyday payments on supported platforms. Overall, it works as a basic, no-frills, lifetime-free rewards card for everyday shopping, bill payments, fuel, groceries and online purchases.
Features of Canara RuPay Classic Credit Card which makes it unique
Lifetime Free Government Bank Card
A lifetime-free RuPay credit card from a large public sector bank with no joining or annual fees and transparent MITC.
Ideal for first-time credit card users who want the trust of Canara Bank, simple rewards and zero annual maintenance cost.
Many competing entry-level cards from private banks either charge a fee or have stricter spend milestones to waive fees.
Rewards + Fuel Benefit Combo
Combines 2 reward points per ₹100 on most spends with a 1% fuel surcharge waiver (capped) at petrol pumps.
Everyday grocery, fuel and bill payments earn points while reducing fuel surcharge costs, improving overall effective savings.
Most basic lifetime-free cards either offer low rewards or no fuel benefits; this card balances both on a zero-fee structure.
Rewards Structure of Canara RuPay Classic Credit Card
Base Rewards
baseAll POS and online (e-commerce) transactions made with the Canara RuPay Classic Credit Card.
Earn 2 reward points for every ₹100 spent on day-to-day categories such as groceries, dining, clothing, utility bills and online shopping, as per official Canara Bank and marketplace data.
Reward Redemption
baseAccumulated reward points redeemed on the Canara Rewardz portal.
Points can be redeemed for cashback or merchandise on www.canararewardz.com, giving an effective base reward rate of around 0.5% on regular spends.
Fuel Surcharge Waiver
baseFuel spends at petrol pumps with transaction size between ₹400 and ₹5,000.
A 1% fuel surcharge is levied (minimum ₹10) but up to ₹100 of surcharge per billing month is reimbursed when you spend at least ₹2,500 on retail purchases during that cycle and each fuel transaction is at least ₹400, as per Canara Bank MITC.
Fees & Charges of Canara RuPay Classic Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3% |
| Cash Advance Fee | 3% |
| Late Payment Fee | ₹250 |
| Over Limit Fee | 0 |
| Returned Payment Fee | 50% |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free card with zero joining and annual fee; an inactivity fee of ₹100 + GST applies if annual card spends are below ₹12,000.
Fee Explanation The Canara RuPay Classic Credit Card is lifetime free with no joining or annual fees. A 3% cash advance fee (minimum ₹30 per ₹1,000) applies on ATM withdrawals, and foreign currency transactions attract up to 3% markup. If yearly spends are under ₹12,000, an inactivity fee of ₹100 is charged. Late payment charges are ₹250 + GST, and cheque or auto-debit bounce fees are ₹50, as per Canara Bank’s official fee schedule.
Detailed Explanation of Canara RuPay Classic Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining or enrolment fee; lifetime free as per Canara Bank official MITC.
Annual / Renewal Fee: ₹0 (yearly)
No annual or renewal fee; card remains lifetime free subject to bank policy.
Inactivity Fee: ₹100 (yearly)
Charged if annual card turnover is below ₹12,000 in a card year.
Cash Advance Fee: 3% of amount (min ₹30 per ₹1,000) (transaction)
Applies on ATM cash withdrawals; additional ATM/network charges may apply at non-Canara ATMs.
Forex Markup Fee: 3% of transaction amount (transaction)
Markup on international transactions done in foreign currency; GST extra.
Late Payment Fee: ₹250 (billing_cycle)
Charged when payment is delayed beyond the due date, over and above finance charges.
Card Replacement Fee: ₹300 (per_card)
Applicable for both primary and add-on card reissuance.
Cheque / Auto-debit Return Fee: ₹50 (event)
Charged if cheque is dishonoured or payment instructions fail.
Duplicate Statement Fee: ₹10 per page (request)
Applicable when requesting physical duplicate statements.
EMI Processing Fee: 2% of transaction amount (min ₹100, max ₹200) (transaction)
Charged when converting eligible purchases into EMIs via Canara ai1 app.
Lounge Access Benefits with Canara RuPay Classic Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Canara’s official page states that lounge access is available at selected lounges for RuPay Classic Credit Card holders, routed via the NPCI RuPay lounge program. Complimentary visit count and eligibility depend on the latest RuPay guidelines and quarterly spends; there is no fixed free-visit number disclosed by Canara Bank, so always check the current RuPay lounge access rules before travel.
Insurance Coverage with Canara RuPay Classic Credit Card
Air Accident Cover
₹4,00,000 for primary cardholder + ₹2,00,000 for spouseCovers death due to air accident when travel tickets are booked using the Canara RuPay Classic Credit Card, as per Canara Bank’s RuPay Classic insurance grid and RuPay program rules.
Non-Air Accident Cover
₹2,00,000 for primary cardholder + ₹1,00,000 for spouseCovers personal accidents other than air accidents, subject to policy terms and active card usage.
Fraudulent Transaction / Lost Card Liability
₹2,00,000Covers unauthorised transactions due to loss, theft or skimming after the card is reported lost as per Canara Cancare / lost card liability policy.
Baggage Insurance
₹25,000Covers loss or damage to baggage during eligible trips, in line with Canara Bank’s standard credit card travel cover terms.
Purchase Protection Cover
₹25,000Protects eligible retail purchases made on the card against damage or theft for a limited period from date of purchase, subject to policy terms and exclusions.
Additional Features of Canara RuPay Classic Credit Card
Easy EMI Conversion
Convert eligible purchases into EMIs directly through the Canara ai1 mobile app.
EMI conversion subject to minimum transaction amount, EMI processing fee (2% with min ₹100 and max ₹200) and EMI interest rate of ~13–14% p.a., as per tenure slab.
UPI-Enabled RuPay Credit Card
Link your Canara RuPay Classic Credit Card to supported UPI apps for secure merchant payments.
UPI on RuPay credit card is available on select apps like Google Pay, PhonePe, Paytm and Amazon Pay as per NPCI and app updates; P2P transfers and wallet loading may be restricted.
Add-on Cards
Issue add-on cards to close family members to share the same credit limit.
Typically up to 3–4 add-on cards allowed; KYC and income documentation may be required for add-on holders as per Canara Bank policy.
EMV Chip & OTP Security
Secured transactions using EMV chip, PIN and OTP authentication for online transactions.
Customers should always keep PIN and OTP confidential and enable transaction controls via net banking or mobile banking for higher security.
Transaction Controls
Enable or disable domestic and international usage, ATM, POS and online limits via net banking or mobile banking.
Limits and channel controls can be modified anytime by the customer within the overall credit limit assigned by Canara Bank.
Welcome Bonus with Canara RuPay Classic Credit Card
Welcome Bonus: NA
Bonus Conditions: Canara Bank does not currently advertise any spend-based welcome offer for the Canara RuPay Classic Credit Card; value comes from lifetime-free status and ongoing rewards on every transaction.
Application Process for Canara RuPay Classic Credit Card
Processing Time
7-10 working days after successful document verification and underwriting.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official Canara Bank credit card page and select the RuPay Classic Credit Card, or approach your home branch.
Fill in the credit card application form (online or physical) with personal, contact and employment details.
Submit KYC documents such as PAN, Aadhaar, address proof and income proof (salary slips, bank statements or ITR).
Respond to verification calls or emails from Canara Bank and complete any additional checks as required.
On approval, the Canara RuPay Classic Credit Card is printed and dispatched to your registered address, usually within 7–10 working days.
Activate the card, set PIN via ATM, net banking or mobile banking, and then enable international usage or UPI linkage if needed.
Required Documents for Canara RuPay Classic Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
Canara RuPay Classic Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at RuPay-enabled POS terminals and online merchants across India for shopping, fuel, groceries, dining, bill payments and more.
International Acceptance
Can be used for international POS and e-commerce transactions wherever RuPay is accepted; global usage must be enabled through net banking, mobile banking or by visiting the base branch.
Online Acceptance
Yes, accepted on most major Indian e-commerce platforms, bill payment sites, OTT subscriptions and travel portals that support RuPay.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Canara RuPay Classic Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹100,000
Minimum annual income
Self-Employed Applicants
₹100,000
Minimum annual income
Who Can Apply
Important Conditions
- Independent income of at least ₹1 lakh gross per annum is typically required for individuals. Staff members have relaxed internal income criteria. A good credit history with no recent major delinquencies is recommended. Age range is generally 21–70 years as per leading marketplace disclosures.
How Approval Is Decided
- Stable independent income of at least ₹1 lakh gross per annum, with clean banking track record.
- Minimum age of 21 years and within the maximum age considered by Canara Bank (commonly up to 70 years for primary applicants).
- Good credit score (around 700 or higher is generally preferred) with no recent major defaults or settlements.
- Proper KYC documentation and ability to meet the bank’s internal risk and underwriting policies.
Pros of Canara RuPay Classic Credit Card
- Lifetime-free Canara Bank credit card with no joining or annual fees, ideal as a first credit card.
- Flat 2 reward points per ₹100 on POS and e-commerce transactions, giving a simple base rewards rate around 0.5%.
- Up to 50 days of interest-free credit when the full outstanding is paid by the due date.
- Fuel surcharge waiver of 1% up to ₹100 per billing cycle on eligible fuel spends.
- Strong insurance benefits for an entry-level card, including accident cover, baggage insurance and purchase protection.
- RuPay UPI enablement and international acceptance provide flexibility for domestic and cross-border usage.
Cons of Canara RuPay Classic Credit Card
- Reward rate of ~0.5% is modest compared to premium rewards and cashback cards in the market.
- No clearly defined complimentary airport lounge visit quota disclosed for RuPay Classic; benefits depend on RuPay program rules.
- 3% foreign currency markup makes it less attractive for heavy international travellers compared to low-forex travel cards.
- Cash withdrawals are expensive due to 3% cash advance fee plus interest from the transaction date.
- Inactivity fee of ₹100 if annual spends fall below ₹12,000 can be annoying for very low-usage customers.
Frequently Asked Questions about Canara RuPay Classic Credit Card
Is the Canara RuPay Classic Credit Card really lifetime free?
Yes. As per Canara Bank’s official RuPay Classic Credit Card page and latest MITC, there is no joining fee, no annual fee and no renewal fee. The only condition is that if your annual card spends are below ₹12,000, an inactivity fee of ₹100 + GST is charged once a year.
What rewards do I get on the Canara RuPay Classic Credit Card?
You earn 2 reward points for every ₹100 spent on POS and online (e-commerce) transactions. Third-party sources value each point at around ₹0.25 when redeemed on the CanaraRewardz portal, giving an effective reward rate of about 0.5% on regular spends, excluding cash withdrawals and fee payments.
Does the Canara RuPay Classic Credit Card offer airport lounge access?
The Canara RuPay Classic product page mentions that lounge access is available at selected lounges through the RuPay network. However, the bank does not publish a fixed number of free lounge visits for Classic tier. Complimentary lounge access, if any, depends on the latest RuPay lounge access program rules and your quarterly spending; always confirm eligibility on the RuPay lounge portal before travel.
What is the minimum income and age required for the Canara RuPay Classic Credit Card?
You should typically be at least 21 years old with independent income of around ₹1 lakh gross per annum, as per Canara Bank’s eligibility grid. Marketplaces list eligibility for ages up to about 70 years. Final approval also depends on your credit profile, existing liabilities and Canara Bank’s internal underwriting.
Is there any fee if I do not use the Canara RuPay Classic Credit Card regularly?
There is no annual fee, but an inactivity fee of ₹100 is charged if your total card spends in a card year are below ₹12,000. To avoid this, try to put at least ₹1,000 per month of routine expenses like mobile bills, OTT subscriptions or groceries on the card and pay the bill in full.
What are the charges for cash withdrawal and international transactions on this card?
ATM cash withdrawals attract a 3% cash advance fee with a minimum of ₹30 per ₹1,000 withdrawn, plus finance charges from the date of withdrawal. Foreign currency transactions have up to 3% markup on the transaction amount, and standard GST is charged on all fees, as per Canara Bank’s MITC.
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