Canara Bank VISA Gold Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Points

First-year fee

₹0

Nil

Annual fee

₹0

Nil

What it gives back

2 Points per ₹100 · everyday spends

Read from 1 Canara Bank document, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

3% forex markup: of the 291 other open cards whose forex markup we have read, 72 state a lower one, 19 state the same and 200 state a higher one.

Fees

Rewards

Reward rate
2 Points per ₹100 · everyday spends2 Points per every ₹100/- spent on POS/ E-Commerce.

Card benefits

Minimum spend rules
Card inactivity fee ₹150, applicable only if the card turnover during the card year is less than ₹25,000

Also included

Fuel surcharge waiver
Maximum of ₹100/- for the billing month would be reimbursed in the upcoming billing month
Air accident cover
₹8.00 lakhs for self
Lost card liability
Fraudulent charge cover of ₹5,00,000.
Purchase protection
Purchase Protection Cover: Upto ₹25,000
Travel insurance
Baggage Insurance Upto ₹25,000
Purchase to EMI conversion
Easy EMI conversion through the Canara ai1 app; 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.
Cash advance fee
3% of the transaction amount, subject to a minimum of ₹150
Cash advance interest
Finance charges apply from the date of withdrawal till the date of payment
Interest on unpaid balance
2.5% Per Month or 30% Per Annum of the outstanding Amount.
Interest-free period
Upto 50 days till next Payment Due Date
Late payment fee
Late payment fee of ₹250/- + GST
Payment return or dishonour fee
₹50 for cheque dishonor or unsuccessful payment instructions.
Statement or duplicate statement fee
₹10 per page for a duplicate statement.
Card replacement fee
₹300 per card (applicable for both primary and addon card)
EMI conversion fee
EMI processing fee: 2% of transaction amount with minimum of ₹100 and Maximum of ₹200; pre-closure penal charges: 2% of outstanding principle
GST note
All the above listed charges exclude GST; 18% GST will be charged extra
Minimum amount due
5% of total outstanding amount (Min. ₹100) + all applicable charges/fees/taxes + EMI (in cases of EMI availed by card holder) + over the limit amount (if any)

Eligibility

How we know - 1 documents from Canara Bank, checked 19 Oct 2026

1 document from Canara Bank, checked 19 Oct 2026.

On these lists

₹0 for life

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