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RuPay Platinum Secured Credit Card

RuPay Platinum Secured Credit Card with RuPay acceptance, up to 50 days interest-free credit, Canara ai1 conversion and tier-specific rewards, lounge and insurance benefits.

Cashback redemption2 reward points per ₹100 of POS/e-commerce spend, redeemable for cashback or goods through Canara Rewardz or the Canara ai1 app.Reward points2 reward points per ₹100 of POS/e-commerce spend; fractions of ₹100 do not earn points.OffersSeasonal offers are available on Canara Cards; applicable offers and exclusions are controlled by the linked offer terms.
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Quick eligibility check

RuPay Platinum Secured Credit Card

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant?

Published source: Eligibility

2Does your annual income meet this requirement: Independent income of at least ₹3 lakh gross per annum for Platinum cards?

Published source: Minimum income

3Do you meet this requirement: The policy allows sanctioning authority to relax the criterion for secured cards against deposits?

Published source: Minimum income

4Document checkDo you have this required document or proof: Completed application and KYC/income proof; secured variants require the applicable security/deposit documents?

Published source: Eligibility

5Document checkDo you have this required document or proof: Income proof is required?

Published source: Eligibility
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byCanara Bank

India; international usage can be activated through Canara net banking, mobile banking or the base branch.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Card networkRuPayView source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Annual feeNilView source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Joining / enrolment feeNilView source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest-free credit periodUp to 50 daysView source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Revolving interest rate2.0% per month (24% per annum), secured.View source
secured card variants column/variant row “Revolving interest rate”: 2.0% per month (24% per annum), secured.
Source
Canara Bank Credit Card — Variants & Features Comparison
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page 1 — Revolving interest rate
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Minimum amount due5% of total outstanding (minimum ₹100) plus applicable charges, taxes, EMI and over-limit amountView source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Cash withdrawal limit50% of the approved credit limit or ₹50,000, whichever is lower.View source
consumer card variants column/variant row “Cash withdrawal limit”: 50% of the approved credit limit or ₹50,000, whichever is lower.
Source
Canara Bank Credit Card — Variants & Features Comparison
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page 1 — Cash withdrawal limit
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Cash withdrawal charge₹30 per ₹1,000 withdrawn or part thereof; minimum ₹150 per withdrawal.View source
Cash withdrawal charge row: ₹30 per thousand or part thereof; minimum ₹150 per withdrawal.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Cash withdrawal charge
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Forex markup3% of the transaction amount.View source
Forex markup row: 3%.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Forex markup
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Reward points2 reward points per ₹100 of POS/e-commerce spend; fractions of ₹100 do not earn points.View source
consumer card variants column/variant row “Reward points”: 2 reward points per ₹100 of /e-commerce spend; fractions of ₹100 do not earn points.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Reward points
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Reward redemptionPoints can be redeemed for cashback or goods through Canara Rewardz or the Canara ai1 app.View source
consumer card variants column/variant row “Reward redemption”: Points can be redeemed for cashback or goods through Canara Rewardz or the Canara ai1 app.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Reward redemption
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Lounge access2 domestic lounge visits per quarter for self.View source
Platinum secured column/variant row “Lounge access”: 2 domestic lounge visits per quarter for self.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Lounge access
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Expected annual turnover₹50,000 per year.View source
Platinum secured column/variant row “Expected annual turnover”: ₹50,000 per year.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Expected annual turnover
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Inactivity fee₹200 if annual turnover is below ₹50,000.View source
Platinum secured column/variant row “Inactivity fee”: ₹200 if annual turnover is below ₹50,000.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Inactivity fee
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Easy EMI conversionEasy EMI via Canara ai1: fee 2% of transaction amount (minimum ₹100, maximum ₹200); interest 13% p.a. for 3/6/9 months and 14% p.a. for 12/18/24 months.View source
consumer card variants column/variant row “Easy conversion”: Easy via Canara ai1: fee 2% of transaction amount (minimum ₹100, maximum ₹200); interest 13% p.a. for 3/6/9 months and 14% p.a. for 12/18/24 months.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Easy conversion
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Fraudulent-charge cover₹5 lakhView source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Baggage insuranceUp to ₹50,000View source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Purchase protectionUp to ₹50,000View source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Air-accident cover₹8 lakh self / ₹4 lakh spouseView source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Other accident cover₹4 lakh self / ₹2 lakh spouseView source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
Page 1 — variant and features table
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
OffersSeasonal offers are available on Canara Cards; applicable offers and exclusions are controlled by the linked offer terms.View source
Read the current Canara credit-card catalogue and its full variants/features table; shared values are shown for the applicable card tier and network.
Source
Canara Bank Credit Cards catalogue
Page / section
Current card catalogue
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Annual fee / inactivity-fee conditionNo annual fee; ₹200 inactivity fee applies when annual turnover is below ₹50,000.View source
Platinum secured column/variant row “Annual fee / inactivity-fee condition”: No annual fee; ₹200 inactivity fee applies when annual turnover is below ₹50,000.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Annual fee / inactivity-fee condition
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Minimum incomeIndependent income of at least ₹3 lakh gross per annum for Platinum cards. The policy allows sanctioning authority to relax the criterion for secured cards against deposits.View source
Policy section 3.3 states independent income minimum ₹3 lakh gross per annum for Gold/Platinum; section 3.1 describes relaxation for secured cards against deposits.
Source
Canara Bank Credit Card Policy
Page / section
Eligibility Conditions 3.1–3.3
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APR24% per annum (2.0% per month), secured.View source
secured card variants column/variant row “”: 24% per annum (2.0% per month), secured.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 —
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Monthly finance charge2.0% per month for secured cards.View source
secured card variants column/variant row “Monthly finance charge”: 2.0% per month for secured cards.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Monthly finance charge
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Cashback redemption2 reward points per ₹100 of POS/e-commerce spend, redeemable for cashback or goods through Canara Rewardz or the Canara ai1 app.View source
consumer card variants column/variant row “Cashback redemption”: 2 reward points per ₹100 of /e-commerce spend, redeemable for cashback or goods through Canara Rewardz or the Canara ai1 app.
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Cashback redemption
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Maximum credit limit per month₹50,00,000View source
Platinum secured column/variant row “Maximum credit limit per month”: ₹50,00,000
Source
Canara Bank Credit Card — Variants & Features Comparison
Page / section
page 1 — Maximum credit limit per month
Accessed
1 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to 50 days of interest-free credit.
  • 2 reward points per ₹100 on /e-commerce spends.
  • RuPay: 2 per quarter (self); Mastercard: 2 self + 1 guest per quarter; Visa: 2 per quarter (self).
  • 3% foreign-currency markup cap; terms and apply.

Eligibility

  • Income proof is required; the reviewed Canara card catalogue does not state a separate numeric minimum-income threshold for this variant.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Completed application and /income proof; secured variants require the applicable security/deposit documents.

Related official documents

Service Charges related to Cardsofficial-product-page · current · accessed 30 Aug 2026
↗
Canara Bank Credit Card Policyofficial-pdf · current-reference · accessed 30 Aug 2026
↗
Canara Bank Credit Card — Variants & Features Comparisonofficial-pdf · current · accessed 1 Oct 2026
↗
Canara Bank Credit Cards catalogueofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,000one thousand rupees
Balance after that interest₹51,000fifty-one thousand rupees
Monthly rate × 1224%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Card variants · Classic / StandardRuPay Classic; Mastercard Standard; Visa Classic

This value is copied from Canara Bank Credit Card — complete variants and features matrix. Check the table notes before relying on it.

Source: Canara Bank Credit Card — Variants & Features Comparison · page 1 — complete variants and features table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 24 rows · 6 columnsCanara Bank Credit Card — complete variants and features matrixComplete transcription of the one-page official comparison matrix. Values are organized by tier; product-specific facts on each page map the tier and network entries to that card.View tableHide table

Scroll sideways to view every column

Canara Bank Credit Card — complete variants and features matrix
FeatureClassic / StandardGoldPlatinumSelect / World / SignatureCorporate
Card variantsRuPay Classic; Mastercard Standard; Visa ClassicMastercard Gold; Mastercard Secured Gold; Visa Gold; Visa Secured GoldRuPay Platinum; RuPay Platinum Secured; Mastercard Platinum; Visa PlatinumRuPay Select; RuPay Select Secured; Mastercard World; Visa SignatureVisa Corporate
Transactions cash withdrawal, and e-commerce; channel use/limits can be enabled, disabled or set through net banking, mobile banking or the base branch. cash withdrawal, and e-commerce; channel use/limits can be enabled, disabled or set through net banking, mobile banking or the base branch. cash withdrawal, and e-commerce; channel use/limits can be enabled, disabled or set through net banking, mobile banking or the base branch. cash withdrawal, and e-commerce; channel use/limits can be enabled, disabled or set through net banking, mobile banking or the base branch. cash withdrawal, and e-commerce; channel use/limits can be enabled, disabled or set through net banking, mobile banking or the base branch.
Acceptance / international useDomestic and international acceptance; enable global usage through net banking, mobile banking or the base branch.Domestic and international acceptance; enable global usage through net banking, mobile banking or the base branch.Domestic and international acceptance; enable global usage through net banking, mobile banking or the base branch.Domestic and international acceptance; enable global usage through net banking, mobile banking or the base branch.Domestic and international acceptance; enable global usage through net banking, mobile banking or the base branch.
Maximum credit limit per month₹5,00,000₹25,00,000₹50,00,000₹50,00,000₹25,00,00,000
Cash withdrawal limit50% of credit limit or ₹50,000, whichever is lower50% of credit limit or ₹50,000, whichever is lower50% of credit limit or ₹50,000, whichever is lower50% of credit limit or ₹50,000, whichever is lower50% of credit limit or ₹50,000, whichever is lower; ₹25,000 for corporate add-on cards
Cash withdrawal charge₹30 per ₹1,000 or part thereof; minimum ₹150 per withdrawal₹30 per ₹1,000 or part thereof; minimum ₹150 per withdrawal₹30 per ₹1,000 or part thereof; minimum ₹150 per withdrawal₹30 per ₹1,000 or part thereof; minimum ₹150 per withdrawal₹30 per ₹1,000 or part thereof; minimum ₹150 per withdrawal
Cash withdrawal finance charge2.5% per month unsecured; 2.0% per month secured, from withdrawal date until payment2.5% per month unsecured; 2.0% per month secured, from withdrawal date until payment2.5% per month unsecured; 2.0% per month secured, from withdrawal date until payment2.5% per month unsecured; 2.0% per month secured, from withdrawal date until payment2.5% per month, from withdrawal date until payment
Interest-free periodUp to 50 days, until the next payment due dateUp to 50 days, until the next payment due dateUp to 50 days, until the next payment due dateUp to 50 days, until the next payment due dateUp to 50 days, until the next payment due date
Revolving finance charge2.5% per month unsecured (30% p.a.); 2.0% per month secured (24% p.a.)2.5% per month unsecured (30% p.a.); 2.0% per month secured (24% p.a.)2.5% per month unsecured (30% p.a.); 2.0% per month secured (24% p.a.)2.5% per month unsecured (30% p.a.); 2.0% per month secured (24% p.a.)2.5% per month (30% p.a.)
Joining / annual feeNilNilNilNil₹250 enrolment fee for primary card; ₹400 annual fee per add-on card
Domestic lounge accessNot availableNot availableRuPay: 2 visits/quarter for self; Mastercard: 2 for self + 1 guest/quarter; Visa: 2 for self/quarterRuPay: 2 for self/quarter; Mastercard: 3 for self + 2 guests/quarter; Visa: 3 for self/quarterNot available
International lounge accessNot availableNot availableNot availableRuPay: 2 visits/year for self; Mastercard: 2 for self + 2 guests/year; Visa cell blank in source matrixNot available
Reward points2 points per ₹100 of /e-commerce spend; fractions of ₹100 excluded2 points per ₹100 of /e-commerce spend; fractions of ₹100 excluded2 points per ₹100 of /e-commerce spend; fractions of ₹100 excluded2 points per ₹100 of /e-commerce spend; fractions of ₹100 excludedNot applicable
RedemptionCashback or goods through Canara Rewardz or Canara ai1 appCashback or goods through Canara Rewardz or Canara ai1 appCashback or goods through Canara Rewardz or Canara ai1 appCashback or goods through Canara Rewardz or Canara ai1 appNot applicable
Forex markup3%3%3%3%3%
Expected annual turnover₹12,000₹25,000₹50,000RuPay/Mastercard: ₹1,00,000; Visa: ₹2,00,000 (or sanctioned limit)Not applicable
Inactivity fee when turnover threshold is not met₹100₹150₹200RuPay/Mastercard: ₹300; Visa: ₹1,000Nil
Easy conversionFee: 2% of transaction, min ₹100/max ₹200. Interest: 13% p.a. for 3/6/9 months; 14% p.a. for 12/18/24 months.Fee: 2% of transaction, min ₹100/max ₹200. Interest: 13% p.a. for 3/6/9 months; 14% p.a. for 12/18/24 months.Fee: 2% of transaction, min ₹100/max ₹200. Interest: 13% p.a. for 3/6/9 months; 14% p.a. for 12/18/24 months.Fee: 2% of transaction, min ₹100/max ₹200. Interest: 13% p.a. for 3/6/9 months; 14% p.a. for 12/18/24 months.Not applicable
Fraudulent transaction cover₹2,00,000₹5,00,000₹5,00,000₹5,00,000₹2,00,000
Baggage insuranceUp to ₹50,000Up to ₹50,000Up to ₹50,000Up to ₹50,000Up to ₹50,000
Purchase protectionUp to ₹50,000Up to ₹50,000Up to ₹50,000Up to ₹50,000Up to ₹50,000
Air accident cover₹4,00,000 self; ₹2,00,000 spouse₹8,00,000 self; ₹4,00,000 spouse₹8,00,000 self; ₹4,00,000 spouse₹8,00,000 self; ₹4,00,000 spouse₹4,00,000 self; ₹2,00,000 spouse
Other accident cover₹2,00,000 self; ₹1,00,000 spouse₹4,00,000 self; ₹2,00,000 spouse₹4,00,000 self; ₹2,00,000 spouse₹4,00,000 self; ₹2,00,000 spouse₹2,00,000 self; ₹1,00,000 spouse
Other offersSee https://www.canarabank.bank.in/pages/Exclusive-Credit-Card-Offers; terms applySee https://www.canarabank.bank.in/pages/Exclusive-Credit-Card-Offers; terms applySee https://www.canarabank.bank.in/pages/Exclusive-Credit-Card-Offers; terms applySee https://www.canarabank.bank.in/pages/Exclusive-Credit-Card-Offers; terms applySee https://www.canarabank.bank.in/pages/Exclusive-Credit-Card-Offers; terms apply
  • All listed charges exclude ; 18% is charged extra.
  • Other features and limits are governed by Canara Bank's Credit Card Policy and applicable terms.
  • The matrix names the applicable cover as CANCARE POLICY FOR CANARA BANK CARDS.
  • The international-lounge Visa cell for Select/World/Signature is left blank because this matrix gives no Visa figure there; this is not a finding that Visa Signature has no international access.
Canara Bank Credit Card — Variants & Features Comparison · page 1 — complete variants and features table · accessed 1 Oct 2026Open official source ↗

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