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REWARD POINTS CARD

RuPay Platinum Secured Credit Card

Canara Bank

Secured against a deposit, with zero annual, joining and enrolment fee, up to 50 days of interest-free credit, 2 reward points per ₹100 on POS and e-commerce, and domestic airport lounge access.

Credit limit is up to 75% of the FD principal. Inactivity fee of ₹200 applies if card turnover is below ₹50,000 in the card year. Listed charges exclude GST (18% extra).

RuPay Platinum Secured Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Complimentary domestic airport lounge access: 2 per quarter and max of 4 per year
BEST FOR
Included: May suit those who hold a deposit in their own name (or an Either or Survivor joint deposit) and want a card limit.
Included: May suit those with a deposit who want domestic airport lounge visits of 2 per quarter, max 4 per year.
Included: May suit everyday POS and e-commerce spends earning reward points with no annual fee.
Included: May suit those who want to convert purchases into EMIs through the Canara ai1 app.
Limitation: Those wanting international lounge access, which is listed as Nil may wish to compare other cards.
Limitation: Those who need a card without tying up a deposit may wish to compare other cards.
Limitation: Those frequent overseas spenders may wish to compare other cards.
Limitation: Those seeking international lounge access, which is listed as Nil may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Listed charges exclude GST; 18% GST is charged extra.
Condition: Deposits must be in the applicant's name; joint deposits with payment condition Either or Survivor are accepted and add-on cards can go to other joint depositors.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
No annual fee
Fee waived at
Not stated
Forex markup
3%
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
Recorded — count not stated — 2 per quarter and max of 4 per year · Available at selected lounges.
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% surcharge (min ₹10 + taxes); up to ₹100/month reimbursed if ₹2,500+ spent in month and ₹400+ per fuel purchase
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Complimentary domestic airport lounge access: 2 per quarter and max of 4 per year
Included: Easy EMI conversion via the Canara ai1 app: 2% processing fee (min ₹100, max ₹200); 13% p.a. for 3, 6, 9 months and 14% p.a. for 12, 18, 24 months.
Included: International usage can be activated, and card transactions switched on/off or limits set, via net banking, mobile banking or the base branch.
Included: The page lists fraudulent charge cover of ₹5,00,000, baggage insurance up to ₹25,000 and air accident cover of ₹8.00 lakhs (self); cover terms are not on the page.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.