• Canara

  • Service Charges related to Cards

Service Charges related to Credit Card

Disclaimer :

All the charges mentioned are exclusive of GST and other applicable taxes.

All the charges mentioned are subject to change. Kindly refer the latest guidelines released for applicable charges from time to time.

Enrolment fee  
Canara Card Visa corporate (Main card) Rs 250
Canara Card Visa Classic/Mastercard Standard/ Gold/ RuPay Select/ RuPay Platinum NIL
   
Annual Fee  
Canara Card Visa corporate (Only for Add on cards): Rs 400
Canara Card Visa Classic/Mastercard Standard (Main & Add on): NIL
Canara Card Gold (Main & Add on) : NIL
   
Card Inactivity Fee  
Canara Card signature (Main & Add on) –: Applicable only if the card turnover during the card year is less than Rs. 2,00,000/-  Rs. 1000*
Canara Card Visa corporate (Main & Add on): NIL
Canara Card Visa corporate (Main & Add on): NIL
Canara Card Classic / Standard- (Main & Add on card) 100*
Applicable only if the card turnover during the card year is less than Rs. 12000/-
Canara Card Gold (Main & Add on) –:
Applicable only if the card turnover during the card year is less than Rs. 25000/- 		150*
Canara Card Platinum (Main & Add on) –: Applicable only if the card turnover during the card year is less than Rs. 50,000/- 200*
Canara Card Select/ World (Main & Add on) –: Applicable only if the card turnover during the card year is less than Rs. 1,00,000/- 300*
   

Free Credit Period: Up to 50 days
Charges on Revolved Amount, Where the cardholder has been permitted Revolving Credit facility, the cardholder needs to pay only the minimum due amount indicated in the bill. 2.00% p.m.(24% p.a.) From the due date for secured Credit Card and 2.50%p.m.(30% p.a.) for all other credit cards.
Minimum repayment on Revolving Credit (Minimum Amount Due – MAD): 5% of Total outstanding amount (Min. Rs. 100) + all applicable charges/fees/taxes + EMI (in cases of EMI availed by card holder)+ over the limit amount (if any)
Card Replacement Fee Rs. 300/- per card (applicable for both primary and addon card)
Mark up in case of Transaction in foreign currency: Upto 3% of transaction Amount
EMI Charges 2% of transaction amount with minimum of Rs. 100/- and Maximum of Rs. 200/-
EMI Processing fee 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.
Rate of interest on EMI 2% of outstanding principle.
EMI Pre-closure penal charges  
Surcharges Rs. 30+ 2.5% of transaction amount
Railway Tickets – Railway Counters 1% of transaction amount + all applicable taxes
Railway Tickets – www.irctc.co.in 1% of transaction value with minimum fee of Rs. 10+ applicable taxes.
Fuel Surcharges Maximum of Rs 100/- for the billing month would be reimbursed in the upcoming billing month in the following cases:
Petrol & all products/services sold at petrol pumps

1. Card should have been used for a minimum amount of Rs. 2500/- for purchase transactions (other than petrol transaction) during the billing month.

2. Minimum purchase of petrol & petroleum products per occasion (ticket size) for reckoning under this scheme is Rs.400/-.
Card year is the 12 months period from the month of issue of the card viz if the card is issued in May 2008, then card year is” May 2021 to April 2022".

Cash advance Limit (against credit card account)  
All Credit cards except corporate credit cards 50% of the credit Limit with a maximum of Rs 50,000/-
Canara Card Visa corporate 50% of the credit Limit with a maximum over all Limit of Rs 5.00 lac. Maximum cash limit per Add on card is Rs. 25,000
Transaction fee for cash withdrawal against your Credit account at our ATMs and branches 3% of the transaction amount subject to a minimum of Rs. 30/- for every Rs. 1000 or part thereof.

*Use of other Bank ATMs attracts extra charges levied by the respective banks.

General

Hotlisting charges without re issuance

 Nil

Copy of charge slip:

Domestic Rs. 100/-

  International US $10/- or equivalent

Original Charges slip: If processed by our Bank

USD 2.00*

If Procured from other Bank          

USD 6.00 *

  * Approximate rupee equivalent is charged

Charges in respect of notices reminders sent to cardholders having overdues

Rs. 50/- per notice

SERVICE CHARGES:

Delayed payment beyond due date Late payment fee of Rs 250/- + GST will be charged, this is in addition to existing
For Revolver and Non-revolver: Service charges (2.5% p.m. i.e. 30% per Annum) on carried over balance.
All other out of pocket expenses incurred for any services rendered will be collected in addition to the fees/charges mentioned above.  

Note: All fees / charges are subject to change and at the discretion of the Bank. The changes in fees / charges and the effective date will be indicated in the bills. Bills will be generated only when there is a billable transaction for the billing month. Hence in the event bill is not generated for want of billable transaction, the modified levy, modified fees / charges are deemed to have been conveyed to the cardholder.


SERVICE CHARGES RELATED TO DEBIT CARD ISSUANCE

Charge Type

Card Variants

 

Classic/ Standard

Platinum

Business

Select/ World

Enrollment Fee

NIL

NIL

NIL

NIL

Activation/Membership Fee

NIL

NIL

NIL

NIL

Annual Fee (Charges Per Annum)

₹200/-

₹500/-

₹500/-

₹1000/-

Hotlist/Duplicate card on account of loss of card

₹150/-

₹150/-

₹150/-

₹150/-

Replacement card

₹150/-

₹150/-

₹150/-

₹150/-

Debit card inactivity fee (Charges Per Annum)

NIL

NIL

NIL

NIL

First time Green Pin Generation

NIL

NIL

NIL

NIL

Regeneration of Green Pin

₹23/-

₹23/-

₹23/-

₹23/-

* Note: The service charges mentioned above are exclusive of taxes. Applicable taxes will be collected extra.

 

DETAILS OF CHARGES LEVIED FOR ATM TRANSACTIONS

The following service charges will be levied for transactions done in Canara ATMs beyond free transactions (other than for cash deposit transactions) subject to changes from time to time:

Free Transactions in a Calendar month(Financial and/or NonFinancial)
* Applicable only for savings bank account holders 		For Customers Sr. Citizens Staff
6 8 10
Charges above free transaction (Financial)
Cash Withdrawal including ICCW(UPI Cash Withdrawal)		 ₹20 + GST
Charges above free transaction (NonFinancial) ₹5 + GST
 

For cash withdrawals at other Bank ATMs, the following service charges will be levied for the Remote on-us (Our Card holders using other Bank ATMs) transactions beyond free transactions (other than for cash deposit transactions) subject to changes from time to time:

Free Transactions in a Calendar month(Financial and/or NonFinancial)
* Applicable only for savings bank account holders 		Metro Non-Metro
3 5
Charges per transaction above free transaction (Financial)
Cash Withdrawal including ICCW(UPI Cash Withdrawal) 		₹23+GST
Charges per transaction above free transaction (Non-Financial) ₹11+GST
Insufficient funds in Customer’s account(On-us: our card holders using Canara Bank ATMs and Remote-On-Us: Our card holders using other Bank ATMs) Rs.17+GST
 

Following service charge will be collected for Domestic Debit Card to Debit Card fund transfer through ATMs/Cash Recyclers beyond free transaction limit of (3 in metro areas and 5 in non-metro areas) for Remote On-us transactions and (6 for general customers, 8 for senior-citizen & 10 for staff) for On-us transactions:

Type of Transaction

Card Issuer

ATM owned by

Beneficiary Bank

Existing service charge

Revised service charge (With effect from 15.07.2025)

On-us

(Our Card used in our Bank ATM)

Canara Bank

Canara Bank

Canara Bank

Nil

Nil

(No change)

Canara Bank

Canara Bank

Other Bank

₹2 + applicable tax

₹23 + GST

Remote On-us

(Our Card used in other Bank ATM)

Canara Bank

Other Bank

Canara Bank

₹10+ applicable tax

₹23+GST

Canara Bank

Other Bank

Other Bank

₹10+ applicable tax

₹23+GST

 

DETAILS OF CHARGES LEVIED FOR AVAILING INTEROPERABLE CASH DEPOSIT (ICD) FACILITY AT OTHER BANK CASH RECYCLERS THROUGH DEBIT CARD / UPI CHANNEL.

Issuer

(Card Used / Account used)

Acquirer

(Machine used)

Beneficiary

Transaction Amount

Charges to be collected

Charges to be collected from

Other Bank Cardholder / Account Holder

Other Bank CDM / CR

Canara Bank Account

Up to Rs 10,000/-

Rs.15

+ GST

Beneficiary Account

Above Rs 10,000/- and below Rs 50,000/-

Rs.30

+ GST

Beneficiary Account

Canara Bank Cardholder / Account Holder

Other Bank CDM / CR

Other Bank Account

Up to Rs 10,000/-

Rs.15

+ GST

Cardholder Account / Remitter’s Account

Above Rs 10,000/- and below Rs 50,000/-

Rs.30

+ GST

 

Cardholder Account / Remitter’s Account

Canara Bank Cardholder / Account Holder

Other Bank CDM / CR

Canara Bank Account

Up to Rs 10,000/-

Rs.30

+ GST

Rs.15 + GST from Beneficiary Account

 

Rs.15 + GST from Cardholder Account / Remitter’s Account

Above Rs 10,000/- and below Rs 50,000/-

Rs.60

+ GST

Rs.30 + GST from Beneficiary Account

 

Rs.30 + GST from Cardholder Account / Remitter’s Account
 

SERVICE CHARGES RELATED TO PREPAID / GIFT CARD

Parameters

Canara Prepaid Card – Classic (Reloadable)

Canara Prepaid Card – Plus (Reloadable)

Canara Prepaid Card – Gift Card (Non Reloadable)

Issue Charges

Rs.50/- Plus Service tax

Rs.100/- Plus Service tax

Rs.50/- Plus Service tax

Load / Reload Charges

Rs.20 Plus Service tax

Rs.20 Plus Service tax

Rs.20 Plus Service tax

Charges for cancellation and Redemption after expiry

Rs.50+ Service tax

Rs.50+ Service tax

Rs.50+ Service tax
Cash Withdrawal at other Bank ATMs beyond 3/5 financial / non-financial transactions Rs.10/- for non-financial Transactions Rs.10/- for non-financial Transactions Not Applicable
Rs.20/- for Financial Transactions Rs.20/- for Financial Transactions

Cash Withdrawal at POS

1% of the Transaction Amount

 

1% of the Transaction Amount

 

Not Applicable

SERVICE CHARGES RELATED TO INTERNATIONAL TRAVEL PREPAID CARD

Fee Type

USD

EURO

GBP

AUD

CAD

SGD

AED

Initial Sale fee

Rs 200+ applicable taxes

Reload Fee

Rs 50/- + Taxes

Encashment charges

Rs 100 + Taxes

Re-issue/Renewal

NIL

 

International MasterCard ATMs

 

USD

EURO

GBP

AUD

CAD

SGD

AED

Cash withdrawal

1.75

1.50

1.25

2.50

2.25

2.50

6.50

Monthly inactivity fee (if the card is not used for 12 months)

1.50

1.00

1.00

2.25

2.00

2.25

5.50

Shortfall fee *

15.00

12.50

10.00

20.50

20.00

20.50

55.00

Cash over the counter fee (cash withdrawal at Bank counters)

7.50

6.00

4.00

10.50

10.00

10.50

27.50

Balance Enquiry

0.50

0.50

0.50

0.50

0.50

0.50

0.50

 

Miscellaneous Requests

 

USD

EURO

GBP

AUD

CAD

SGD

AED

Replacement Card fee

Free

Free

Free

Free

Free

Free

Free

Statement Request

NIL

NIL

NIL

NIL

NIL

NIL

NIL

New ATM PIN

 NIL

 NIL

 NIL

 NIL

 NIL

 NIL

 NIL

Charge Slip Retrieval

3

2.5

1.5

4.5

4

4.5

11

Charge Back fee (Only for unsuccessful charge backs)

2

2

2

2

2

2

2

 

Currency Conversion

Sale/Reload and Refund

As per Bank’s Card rate

Cross Currency Usage

3%