Canara VISA Gold Credit Card
Canara Bank
Last updated: Dec 02, 2025
₹0
₹250
3%
No lounge access
Contents
Canara VISA Gold is a value-oriented credit card from Canara Bank that focuses on everyday rewards and global acceptance. It offers 2 reward points per ₹100 on POS and e-commerce spends, easy EMI conversion through the Canara ai1 app and standard safety covers. With a low enrolment fee and no recurring annual charge for many variants, it suits regular spenders looking for steady rewards without heavy fees.
Features of Canara VISA Gold Credit Card which makes it unique
Canara Rewardz
Unified rewards portal for redeeming points for vouchers, goods or cashback
Flexible redemption options
Standard bank rewards portal
Rewards Structure of Canara VISA Gold Credit Card
Base
baseAll spends
Fees & Charges of Canara VISA Gold Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹250 |
| Annual Fee | 0 |
| Forex Markup Fee | 3% |
| Cash Advance Fee | 3% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹300 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:No annual fee for primary variant; enrolment fee applies where specified in tariff sheet.
Fee Explanation Fees listed follow Canara Bank tariff-sheet rules; GST extra where applicable.
Detailed Explanation of Canara VISA Gold Credit Card Fees
Enrolment / Joining Fee: ₹250 (one-time)
Collected at card issuance for primary card (refer tariff). GST extra.
Annual Fee: ₹0 (yearly)
Many gold variants carry no annual fee; check tariff sheet for specific offers.
Lounge Access Benefits with Canara VISA Gold Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Complimentary lounge access is not offered on the standard Gold variant.
Insurance Coverage with Canara VISA Gold Credit Card
Purchase Protection
₹25,000Subject to T&C; covers eligible purchases for specified period.
Fraudulent Charge Cover / Liability
Up to ₹2,00,000As per Canara Cancare / card policy; refer MITC and insurance booklet.
Additional Features of Canara VISA Gold Credit Card
Easy EMI Conversion
Convert large transactions to EMI via Canara ai1 app or merchant at checkout
EMI conversion charges apply (min ₹100, 2% of txn, max ₹200).
Contactless Payments
Tap-to-pay enabled for contactless transactions
Welcome Bonus with Canara VISA Gold Credit Card
Welcome Bonus: 2,000 Reward Points
Bonus Conditions: Valid for new cardholders; points credited after meeting the stated spend within 60 days.
Application Process for Canara VISA Gold Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Canara Bank credit cards portal or branch
Upload KYC and income documents
Bank carries out verification and credit assessment
Card dispatched on approval (typically within 5-7 business days)
Required Documents for Canara VISA Gold Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Canara VISA Gold Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India for Visa cardholders
International Acceptance
Accepted globally where Visa is accepted (subject to activation)
Online Acceptance
Yes — e-commerce enabled
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Canara VISA Gold Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required; card issuance subject to bank verification and credit assessment.
How Approval Is Decided
- Minimum monthly income ₹20,000 (salaried) or ₹30,000 (self-employed) or as per bank assessment
- Indian resident with valid PAN and Aadhaar
- Favourable credit history
Pros of Canara VISA Gold Credit Card
- Predictable reward accrual at 2 points/₹100
- Low one-time enrolment fee
- No recurring annual fee on standard Gold variant
Cons of Canara VISA Gold Credit Card
- No complimentary lounge access on the standard Gold variant
- Limited category accelerators — rewards are basic
- Some merchant categories (fuel, bills, wallet loads) may be excluded
Frequently Asked Questions about Canara VISA Gold Credit Card
Is there a joining or annual fee for Canara VISA Gold?
There is an enrolment/joining fee of ₹250 for certain primary variants; the standard Gold variant typically carries no annual fee — check the tariff sheet for exact charges.
How many reward points do I earn?
You earn 2 reward points for every ₹100 spent on POS and e-commerce transactions under the Canara Rewardz programme.
Are fuel and utility bill payments eligible for rewards?
Fuel, utility bill payments and wallet loads are often excluded or earn at reduced rates — always check the card T&C before assuming eligibility.
What is the forex markup on overseas transactions?
Canara Bank applies a forex markup of 3% on foreign currency transactions (as per the bank's tariff document).
Does the card include complimentary lounge access?
The standard Canara VISA Gold does not offer complimentary domestic or international lounge visits; premium Visa variants may include lounge benefits.
How can I redeem reward points?
Points can be redeemed via the Canara Rewardz portal or Canara ai1 app for vouchers, gifts or cashback as per redemption catalogues.
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