Canara Rupay Platinum Credit Card

Canara Bank RuPay Platinum Credit Card is a very basic credit card, that offers no extensive benefits. However, if you are a beginner, who wants a credit card to understand how it functions, then this card can be a suitable choice. This is because even though the benefits are marginal, you get to avail them at Nil joining and annual fee. Some key features of this credit card are:

Reward Points: With this credit card, you get 2 Reward Points on every Rs. 100 spent whether online or offline. Please note that 1 reward point= Rs. 0.25. Thus, on every Rs. 100 you earn Rs. 0.5, a very low reward rate. The advantage however is that you can redeem your reward points for cash against statement balance.

Complimentary Accidental Insurance Cover: Canara RuPay Platinum Credit Card offers the following insurance covers for both self and spouse.

Air Accident	Rs. 8 lakh for self
	Rs. 4 lakh for spouse
Other than Air Accident	Rs. 4 lakh for self
	Rs. 2 lakh for spouse

Other Features of Canara Rupay Platinum Credit Card

• You can get up to 4 add-on cards for your immediate family members
• You also get a baggage insurance cover and purchase protection cover of Rs. 25,000 each
• The card comes along a higher credit limit of up to Rs. 25,000 (may vary as per your income)
• You can opt for post purchase EMI conversion on all transactions above Rs. 5,000
• The card comes with a long interest-free credit period of 20-50 days
• All transactions done with the card are safe and secure, as they are enabled with EMV CHIP PIN
• This card allows access to international ATMs
• Applicable foreign exchange markup fee on this credit card is 3% of the transaction amount
• Even at Nil joining fee, the card offers welcome benefits on activation

Explore: Best Credit Cards in India | Canara Bank Credit Cards | Check Eligibility & Apply Online

Consider getting the RuPay Platinum Credit Card, if:	Look out for other credit card options, if:
you are a beginner looking for an entry level credit card you want a credit card with relaxed eligibility parameters your preferred credit card provider is Canara Bank you dont’ mind the low reward rate offered on this card you are looking for a card with NIL joining/annual fee	you prefer a cashback credit card over rewards credit card you want complimentary access to airport lounges you are looking for category or brand specific benefits paying an annual or joining fee is not a concern for you you want a highly rewarding credit card

Particulars	Fees / Charges
Joining Fee	NIL
Annual Fee	NIL
Finance Charges	2.5% per month | 30% per annum
Late Payment Fee	2% of the amount due, subject to a minimum of Rs. 10 and a maximum of Rs. 150

Click here to check other associated fees and charges with Canara RuPay Platinum Credit Card.

Canara Bank Rupay Platinum Credit Card is offered to individuals who meet the eligibility criteria as follows:

Eligibility Criteria	Details
Age	18 to 70 years
Occupation	Salaried or Self Employed
Minimum Income (Gross)	Rs. 1 Lakh

Apart from meeting the above mentioned parameters, you also require certain basic identity, address and income proof documents like PAN Card, Aadhar CARD, Salary slips, Last 3 months bank statements, etc.

Credit Card	Best Feature
Amazon Pay ICICI Credit Card	5% cashback on Amazon for Prime users
HSBC Visa Platinum Credit Card	Amazon and Swiggy voucher, airport lounge access and cashback under introductory offer
IDFC Millennia Credit Card	6X reward points on online spends up to Rs. 20,000 per month
ICICI Platinum Chip Credit Card	2 reward points on every Rs. 100 spent

Can I apply for Canara Rupay Platinum Credit Card online?
No. Canara Bank does not provide an online application facility. You must visit the nearest branch to apply. On your bank visit, ensure carrying all important documents. You can also directly download the Canara Bank Credit Card application form.

Can I request a credit limit enhancement on my Canara RuPay Platinum Credit Card?
You may try to get your credit limit increased. Do note that the decision is at the bank’s sole discretion, based on various factors such as your monthly income, debt to income ratio, payment history, etc. For more information, you can contact the  Canara Bank Credit Card Customer Care.

Does this card offer complimentary lounge access?
No, the Canara RuPay Platinum Credit Card does not offer any complimentary lounge access. You can consider getting Canara RuPay Select Credit Card, if you want to avail the lounge access benefit.

Which transactions are eligible for earning rewards?
You can earn reward points on all online and offline transactions, except for cash withdrawals, disputed refund, return or cancelled transactions, balance transfer transactions, foreign currency purchases, and on applicable credit card fees & charges like interest rate, annual fee, etc.