Canara Bank RuPay Platinum Secured Credit Card

Checked against Canara Bank's 4 documents for this card on 02 Nov 2026

COFFER Safety Stars4 of 5See the five checks

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns Points

First-year fee

₹0

Annual fee

₹0

What it gives back

2 Points per ₹100 · everyday spends

Read from 4 Canara Bank documents, last checked 8 Nov 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 130 cards that state none, out of the 448 open cards whose annual fee we have read.

3% forex markup: of the 480 other open cards whose forex markup we have read, 109 state a lower one, 35 state the same and 336 state a higher one.

Fees

Rewards

Reward rate
2 Points per ₹100 · everyday spends2 Points per every ₹100 spent on POS/ E-Commerce.
Cashback redemption
Cashback or Goods Purchase through (www.canararewardz.com)

Card benefits

Domestic lounge access
Complimentary domestic airport lounge access: 2 per quarter and max of 4 per year.
International lounge access
Not offered: International Airport Lounge Access NIL.
Minimum spend rules
Expected minimum annual turnover on card ₹. 50,000; inactivity fee ₹. 200 if annual turnover is not met

Also included

Fuel surcharge waiver
Fuel Surcharges at petrol pumps: Maximum of ₹100/- for the billing month would be reimbursed in the upcoming billing month in the following cases. Card should have been used for a minimum amount of ₹. 2500/- for purchase transactions during the billing month.
Surcharge on railway tickets
Railway tickets at railway counters and on www.irctc.co.in: ₹. 30 plus 2.5% of transaction amount; 1% of transaction amount plus all applicable taxes
Air accident cover
Air accident cover: ₹. 8.00 lakhs for self, ₹. 4.00 lakhs for spouse.
Insurance benefit
Accident Cover (Other than Air Accident): ₹. 4.00 lakhs for self, ₹. 2.00 lakh for spouse.
Lost card liability
Fraudulent Charge Cover ₹. 5,00,000.
Purchase protection
Purchase Protection Cover upto ₹. 25,000
Travel insurance
Baggage Insurance Upto ₹. 25,000
Add-on card eligibility
Add on Cards can be issued to other joint depositors.
Purchase to EMI conversion
Easy EMI Conversion through Canara ai1 app. Rate of interest on EMI 13% p.a. for EMI period of 3,6 and 9 months and 14% p.a. for EMI period of 12,18 and 24 months.

Charges

Forex markup
3% on foreign currency transactions.3% on Forex Transactions
Cash advance fee
3% of transaction amount subject to a minimum of ₹150 and the finance charges from date of withdrawal till date of payment (Canara Bank ATMs; other banks' ATMs attract extra charges)
Interest on unpaid balance
2% per month or 24% per annum of the outstanding amount (Canara rate for secured credit cards)
Interest-free period
Upto 50 days till next Payment Due Date
Late payment fee
Late payment fee of ₹250 + GST will be charged, this is in addition to existing service charges (2.5% p.m. i.e. 30% per Annum) on carried over balance
EMI conversion fee
Easy EMI Conversion through Canara ai1 app EMI Conversion Charges: Min: ₹100/-, 2% of Transaction Value and Max: ₹200/-.

Eligibility

Eligibility
Secured credit Card is issued to individuals against Deposits standing in the name of the applicant.

Ways to redeem your points

Cashback against your bill
“| Options to Redeem Reward Points | Cashback or Goods Purchase through (www.canararewardz.com) |” Proof

How we know - 4 documents from Canara Bank, checked 8 Nov 2026

4 documents from Canara Bank, checked 8 Nov 2026.

On these lists

₹0 for life

Apply

The Sunday Statement.

Every Sunday. What your bank changed this week — before your statement tells you.