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Lifetime FreeLast updated: 15 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 Reward Points per ₹100
Earn 2 Reward Points for every ₹100 spent on all PoS and e-commerce transactions. 1 Reward Point = ₹0.25 (Base return rate of 0.5%).
Redeem for
The privileges that come bundled in, beyond the reward points.
Lifetime Free: No joining or annual fees (An inactivity fee of ₹400 applies if annual spends are below ₹12,000)
2.5% fuel surcharge waiver on transactions of ₹400 and above (capped at ₹100 per billing month)
Complimentary accident insurance: Air accident cover up to ₹4 Lakhs (Self) and ₹2 Lakhs (Spouse)
Purchase protection and baggage insurance cover up to ₹25,000
Up to 50 days of interest-free credit period
Free add-on cards for family members above 18 years of age
An honest read on where this card earns its keep — and where it doesn't.
Lifetime free card with zero annual maintenance cost
Very low interest rate of 2.5% per month (30% annually) compared to the industry standard of 3.5%+
Includes complimentary accident and baggage insurance which is rare for an entry-level free card
Free add-on cards for family members
Very low base reward rate (0.5%)
Strict cap on fuel surcharge waiver (only ₹100 per month)
Card inactivity fee of ₹400 applies if you don't spend at least ₹12,000 in a year
Lacks premium lifestyle benefits such as airport lounge access
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Canara Bank Visa Classic Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Canara Bank Visa Classic Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, Canara Bank Visa Classic Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
Canara Bank Visa Classic Credit Card earns Reward Points at a primary rate of 2 Reward Points per ₹100. Specifically, Earn 2 Reward Points for every ₹100 spent on all PoS and e-commerce transactions. 1 Reward Point = ₹0.25 (Base return rate of 0.5%).. Spends in Entry Level, Shopping categories provide the maximum valueback per transaction on this card.
Rewards earned on Canara Bank Visa Classic Credit Card can be redeemed for Canara Rewardz Portal (Cashback or Goods) via Canara Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of Canara Bank Visa Classic Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Canara Bank Visa Classic Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Canara Bank Visa Classic Credit Card levies a forex markup fee of 3.0% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Canara Bank Visa Classic Credit Card currently features a welcome offer: "Lifetime Free credit card with zero joining or annual fees". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Lifetime free card with zero annual maintenance cost and Very low interest rate of 2.5% per month (30% annually) compared to the industry standard of 3.5%+. However, keep in mind that Very low base reward rate (0.5%) and Strict cap on fuel surcharge waiver (only ₹100 per month). Overall, Canara Bank Visa Classic Credit Card delivers strong value if your regular spending aligns with Entry Level, Shopping.
Canara Bank Visa Classic Credit Card is focused on Entry Level and Shopping valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, Canara Bank Visa Classic Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (2.5% fuel surcharge waiver on transactions of ₹400 and above (capped at ₹100 per billing month)). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
