Canara Bank RuPay Classic Credit Card VS Canara Bank Mastercard Gold Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Canara Bank RuPay Classic Credit Card
Canara Bank Mastercard Gold Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Lifetime-free card with zero joining and annual fees, making it highly accessible.
Enjoy an interest-free credit period of up to 50 days on your purchases.
Earn valuable reward points on all PoS and e-commerce transactions for every ₹100 spent.
Comprehensive insurance benefits including fraud, baggage, purchase, and accident cover.
Pros
Key benefits and features.
Zero annual, joining, and enrolment fees make it highly cost-effective.
Enjoy up to 50 days of interest-free credit period on all purchases.
Comprehensive insurance covers against fraud, baggage, purchase, and accidents.
Earns 2 Reward Points for every ₹100 spent on PoS/E-Commerce transactions.
Easy EMI conversion facility via Canara ai1 app with competitive interest rates.
Cons
Key drawbacks and limitations.
Lacks specific benefits for dining, movies, or travel, limiting lifestyle perks.
High foreign currency markup of up to 3% on international transactions.
Fuel surcharge waiver is limited, with a minimum fee and specific spend conditions.
An inactivity fee of ₹100 applies if annual card turnover is less than ₹12,000.
Cons
Key drawbacks and limitations.
An inactivity fee of ₹150 applies if annual card turnover is below ₹25,000.
High interest rate of 30% per annum on revolved amounts can be quite costly.
Significant cash withdrawal charges (3% of transaction, min ₹30/₹1000) are applied.
Fuel surcharge waiver is capped at ₹100/month with restrictive usage conditions.
Various other fees apply for services like card replacement and late payments.