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Features of the Canara Bank Add-on Credit Card

  • Overview of Add-on Credit Cards: An add-on credit card, also known as a supplementary credit card, is an extension of the primary cardholder’s credit card, issued to immediate family members or authorized individuals. Canara Bank’s add-on credit card allows the primary cardholder to share the benefits and credit limit of their credit card with family members, such as a spouse, children, parents, or siblings, without the need for a separate credit application. This feature ensures convenience and financial flexibility for families, enabling shared access to credit facilities while maintaining control under the primary cardholder’s account. The add-on card is linked to the primary cardholder’s credit limit, and all transactions are consolidated into a single statement, simplifying expense tracking.
  • Seamless Integration with Primary Card: The add-on credit card is directly linked to the primary cardholder’s credit account, meaning it operates under the same credit limit and billing cycle. This integration allows the primary cardholder to monitor and manage all transactions made using the add-on card. For instance, if the primary card has a credit limit of ₹5,00,000, the add-on cardholder can use this limit, subject to any restrictions set by the primary cardholder. The consolidated billing ensures that the primary cardholder receives a single statement detailing all transactions, which enhances transparency and control over family spending.
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    • >Global Acceptance: Canara Bank add-on credit cards, issued in partnership with Visa, MasterCard, or RuPay, are accepted worldwide at millions of merchant outlets, ATMs, and online platforms. This global acceptance makes the card ideal for family members who travel internationally or shop online, providing seamless access to funds for purchases, dining, travel bookings, and more. The card’s compatibility with international payment networks ensures that add-on cardholders can use it for transactions abroad without needing a separate card.
    • Reward Points Program: Add-on cardholders can earn reward points on their transactions, similar to the primary cardholder. For example, Canara Bank credit cards typically offer 2 reward points for every ₹100 spent on point-of-sale (POS) or e-commerce transactions. These reward points are credited to the primary cardholder’s account and can be redeemed for a variety of options, including gift vouchers, merchandise, movie tickets, or mobile/DTH recharges. The reward points have a validity of 3 years, providing ample time to accumulate and redeem them for valuable rewards.
    • Interest-Free Credit Period: One of the standout features of the Canara Bank add-on credit card is the interest-free credit period of up to 50 days, provided the outstanding balance is paid in full by the due date. This feature allows add-on cardholders to make purchases without incurring immediate interest charges, offering financial flexibility for managing short-term expenses. For example, if a purchase is made at the start of the billing cycle, the cardholder has up to 50 days to settle the amount without additional costs, making it an attractive option for planned spending.
    • Cash Withdrawal Facility: Add-on cardholders can withdraw cash from ATMs, up to 50% of the primary card’s credit limit or ₹50,000, whichever is lower. This feature provides emergency access to cash, which is particularly useful for family members who may need funds while traveling or in situations where digital payments are not accepted. However, cash withdrawals may incur a fee (e.g., 3% of the withdrawn amount or a minimum of ₹30 per ₹1,000 at Canara Bank ATMs) and interest charges if not repaid by the due date.
    • Complimentary Insurance Coverage: Canara Bank add-on credit cards often come with complimentary insurance benefits, such as accidental death coverage. For instance, the primary cardholder and their spouse may receive air accident insurance of up to ₹4 lakhs and ₹2 lakhs, respectively, depending on the card variant. While the coverage primarily applies to the primary cardholder, add-on cardholders benefit indirectly by being part of the same account, ensuring peace of mind for the family. Additionally, some cards offer baggage insurance or lost card liability protection, further enhancing security.
    • No Annual or Joining Fees: Canara Bank add-on credit cards typically have no annual or joining fees, making them a cost-effective option for families. This feature allows the primary cardholder to extend credit facilities to family members without incurring additional charges, unlike some other banks that may impose fees for supplementary cards. The absence of fees ensures that the add-on card remains an affordable tool for shared financial management.
    • EMV Chip and PIN Security: The add-on credit card is equipped with an EMV chip and PIN, providing enhanced security compared to traditional magnetic stripe cards. This technology reduces the risk of card skimming and unauthorized transactions, ensuring that add-on cardholders can use the card safely at merchant outlets, ATMs, and online platforms. The chip-based security aligns with global standards, making the card reliable for both domestic and international use.
    • Fuel Surcharge Waiver: Add-on cardholders can benefit from a fuel surcharge waiver of 2.5% on transactions of ₹400 or more at fuel stations, subject to a maximum reimbursement of ₹100 per billing cycle. To avail of this benefit, the card must have been used for at least ₹2,500 in fuel transactions during the billing month. This feature is particularly useful for family members who frequently drive, as it reduces the cost of fuel purchases.
    • Lounge Access for Premium Cards: For premium Canara Bank credit cards, such as the RuPay Select or MasterCard World, add-on cardholders may enjoy complimentary airport lounge access at select domestic and international lounges. This feature enhances the travel experience for family members, offering a comfortable space to relax before flights. The number of complimentary visits varies by card variant, typically ranging from one to four per quarter.
    • EMI Conversion Facility: The primary cardholder can set specific spending limits for the add-on card, ensuring controlled usage by family members. For example, a parent may set a lower limit for a child’s add-on card to manage their spending on shopping or entertainment. This feature provides flexibility and security, allowing the primary cardholder to tailor the card’s usage to the add-on cardholder’s needs.
    • Customizable Spending Limits: The primary cardholder can set specific spending limits for the add-on card, ensuring controlled usage by family members. For example, a parent may set a lower limit for a child’s add-on card to manage their spending on shopping or entertainment. This feature provides flexibility and security, allowing the primary cardholder to tailor the card’s usage to the add-on cardholder’s needs.
    • SMS Alerts for Transactions: Add-on cardholders receive real-time SMS alerts for all transactions, enabling them to track their spending instantly. These alerts are sent to the registered mobile number, ensuring transparency and helping to detect any unauthorized activity promptly. This feature is particularly useful for young or less experienced cardholders, as it promotes responsible spending.
    • Online and Mobile Banking Integration: Add-on card transactions can be monitored and managed through Canara Bank’s mobile banking app or internet banking portal. The primary cardholder can view transaction details, check the available credit limit, and make payments, ensuring seamless management of the add-on card’s activities. This digital integration enhances convenience and accessibility for tech-savvy users.
    • Wide Range of Card Variants: Canara Bank offers add-on cards across various credit card variants, including Visa Classic, MasterCard Standard, RuPay Platinum, RuPay Select, and Corporate Credit Cards. Each variant caters to different lifestyle needs, such as shopping, travel, or corporate expenses, allowing the primary cardholder to choose a card that aligns with the family’s requirements.
    • Zero Liability Protection: In case of a lost or stolen add-on card, Canara Bank provides zero liability protection for unauthorized transactions reported promptly. The liability is limited to ₹1,000, ensuring that add-on cardholders are protected from significant financial loss. This feature adds an extra layer of security for family members using the card.
    • Flexible Billing Cycle: The add-on card follows the same billing cycle as the primary card, with billing dates typically set on the 20th or last day of the month, depending on the card variant. The payment due date is usually 20 days later, providing ample time to settle the balance. This synchronized billing simplifies financial planning for the primary cardholder.
    • Redemption of Reward Points: Reward points earned through add-on card transactions can be redeemed via Canara Bank’s rewards portal (www.canararewardz.com) or by contacting customer care. The primary cardholder can choose from a wide range of redemption options, enhancing the value derived from the card’s usage. This comprehensive set of features makes the Canara Bank add-on credit card a versatile and valuable tool for families, offering convenience, security, and financial flexibility.
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Benefits of the Canara Bank Add-on Credit Card

  • Financial Flexibility for Family Members: The Canara Bank add-on credit card provides access to the primary cardholder’s credit limit, enabling family members like spouses, children, or parents to make purchases or withdraw cash—even if they do not qualify for a credit card independently. For example, a student studying abroad can use an add-on card for daily expenses while the primary cardholder controls the payments.
  • Consolidated Expense Management: All add-on card transactions are reflected in the primary cardholder’s monthly statement, making it easier to track expenses, set budgets, and manage repayments in a centralized way. This consolidated reporting helps avoid missed due dates or overspending.
    • Reward Points Accumulation: Add-on cardholders contribute to the primary cardholder’s reward points balance with every transaction.
    • Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit on add-on card transactions, allowing purchases without immediate repayment burden—ideal for managing short-term needs like school fees or medical bills.
    • Enhanced Security Features: EMV chip and PIN security protect against fraud. Zero liability is offered for unauthorized use beyond ₹1,000 if reported promptly after loss or theft.
    • Access to Premium Benefits: Premium variants (e.g., RuPay Select, MasterCard World) offer add-on cardholders benefits like complimentary lounge access, concierge services, and travel discounts.
    • Fuel Surcharge Savings: Save 2.5% (up to ₹100/month) on fuel transactions of ₹400 or more—a valuable feature for family members who drive frequently.
    • Complimentary Insurance Coverage: Add-on users indirectly benefit from the insurance provided to the primary cardholder, such as air accident or baggage coverage, offering peace of mind during travel.
    • No Additional Fees: Add-on cards are generally issued without joining or annual fees, making them an economical way to extend credit access to family members.
    • Customizable Spending Controls: Primary cardholders can set monthly spending limits per add-on card, enabling controlled usage. E.g., parents can cap their child’s card at ₹10,000/month.
    • Global Usability: Accepted internationally for purchases like online shopping, travel, and dining. Useful for students or working family members abroad.
    • EMI Conversion for Large Purchases: Convert high-value purchases made with the add-on card into easy EMIs—ideal for buying electronics, furniture, or covering travel costs.
    • Access to Discounts and Offers: Benefit from offers on dining, shopping, and travel. Examples include 12% off domestic flights or 15% off hotels via GoIbibo.
    • Simplified Application Process: No credit check needed. Primary cardholders can request an add-on card via Canara Bank’s mobile app, portal, or at any branch.
    • Emergency Cash Access: Withdraw up to 50% of the credit limit in cash—helpful during emergencies like hospital bills or travel disruptions.
    • Enhanced Financial Literacy: Ideal for students and young adults to learn credit responsibility under supervision—track spending, understand EMIs, and build financial habits.
    • Support for Students Abroad: Useful for overseas students—pay for books, food, and travel with favorable forex rates and lower interest on international spends.
    • Seamless Digital Integration: Both primary and add-on users can view and manage transactions via Canara Bank’s mobile and internet banking, enabling real-time transparency.
    • Family-Oriented Financial Planning: Consolidates family expenses into one statement, allowing centralized control and improved household budgeting.
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How to Apply for Canara Bank Add-on Credit Card

  • Online Application Process:
    • Log in to Canara Bank’s official website using your net banking credentials.
    • Navigate to the “Credit Cards” section and select the “Add-on Card” option under the services tab.
    • Choose the primary card to link and enter the add-on cardholder’s details: name, relationship, DOB, and contact.
    • Upload scanned documents (ID proof, address proof, passport-size photo) in PDF or JPEG format (max 2MB).
    • Optionally set spending limits for the add-on cardholder.
    • Submit the application and note the reference number for tracking.
  • Offline Application Process:
    • Visit the nearest Canara Bank branch with your primary credit card and required documents.
    • Request the “Add-on Credit Card Application Form” and fill in both primary and add-on cardholder details.
    • Attach self-attested photocopies of ID proof (Aadhaar, PAN, etc.), address proof, and two passport-size photographs.
    • Submit the form and documents for verification.
    • Card will be issued and dispatched upon approval, typically within 7–14 working days.
  • Through Third-Party Platforms:
    • Visit trusted aggregator sites like Paisabazaar or MyMoneyMantra.
    • Choose Canara Bank’s credit card section and opt for “Add-on Card.”
    • Fill in the primary and add-on cardholder information and verify via OTP.
    • Upload required documents or follow platform-specific instructions.
    • Get assistance from platform representatives and track the application accordingly.
  • Tracking Application Status:
    • Track via Canara Bank’s net banking or mobile app under the credit card section.
    • Call Canara Bank customer care with the reference number for updates.
    • Visit the branch where the form was submitted for in-person tracking.
  • Tips for a Smooth Application:
    • Ensure accurate data entry and matching documents.
    • Add-on cardholder must be at least 18 years old.
    • Keep scanned documents ready in acceptable formats and sizes.
    • Contact Canara Bank customer care for specific variant eligibility or clarifications.
  • Post-Application Steps:
    • Upon receipt, activate the card via Canara ai1 app, net banking, or customer care.
    • Set a secure PIN for usage and enable SMS/email alerts for monitoring.
    • Manage spending limits and transaction tracking via digital channels.

Eligibility Criteria for Canara Bank Add-on Credit Card

  • Primary Cardholder Requirements:
    • The applicant must already hold a Canara Bank credit card in good standing, with no overdue payments or defaults.
    • Eligibility is based on the primary cardholder’s creditworthiness including credit score, income, and banking relationship.
  • Age of Add-on Cardholder:
    • The add-on cardholder must be at least 18 years old at the time of application.
    • No upper age limit, allowing parents, adult children, or siblings to qualify.
  • Relationship to Primary Cardholder:
    • Restricted to immediate family members such as spouse, parents, children (above 18), or siblings.
    • Relationship must be verifiable using valid documents like a marriage certificate or birth certificate.
  • Income Requirements:
    • No separate income requirement for the add-on cardholder.
    • Primary cardholder must meet the income criteria for the main card – typically ₹1,00,000 p.a. for individual cards and ₹2,00,000 p.a. for corporate cards.
  • Credit History:
    • The primary cardholder’s CIBIL score (preferably 700 or above) is reviewed for approval.
    • The credit profile of the add-on cardholder is not considered.
  • Residency Status:
    • Both primary and add-on cardholders must be Indian residents.
    • For student add-on cards, studying abroad is allowed if the cardholder is an Indian national.
  • Canara Bank Account Preference:
    • Having a Canara Bank savings/current account is preferred but not mandatory.
    • 12+ months of satisfactory banking history increases chances of approval.
  • Corporate Card Eligibility:
    • Add-on cards can be issued to authorized employees or partners under corporate cards.
    • The company should have a credit relationship or transaction history (S1/S2 status or 12-month usage).
  • No Default Record:
    • The primary cardholder must not have any recent loan defaults or missed credit card payments.
  • Documentation Compliance:
    • Valid identity and address proof of the add-on cardholder are required.
    • Incomplete or inconsistent documentation may lead to rejection.
  • Card Variant-Specific Criteria:
    • Some premium card variants may require higher income or credit limits to issue add-on cards.
  • Number of Add-on Cards:
    • Canara Bank usually permits up to 2–3 add-on cards per primary cardholder, depending on the card variant.
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Documents Required for the Canara Bank Add-on Credit Card

  • Identity Proof
    • Aadhaar Card,
    • PAN Card,
    • Voter ID,
    • Passport,
    • Driving License,
    • Photocopies must be attested by the primary cardholder and include the add-on cardholder’s photograph.
  • Address Proof
    • Aadhaar Card,
    • Voter ID,
    • Passport,
    • Driving License,
    • Utility Bill (not older than 3 months),
    • Bank Statement (not older than 3 months),
    • The address should ideally match the primary cardholder’s registered address.
  • Photograph
    • Two recent passport-size photographs of the add-on cardholder with a plain background.
  • Relationship Proof
    • Marriage certificate (for spouse),
    • Birth certificate (for children or parents),
    • Passport or Aadhaar card showing relationship.
  • Primary Cardholder’s Documents
    • Copy of the primary credit card,
    • PAN Card,
    • Recent credit card statement (showing no outstanding dues).
  • Application Form
    • Completed and signed add-on credit card application form.
    • Includes details of both primary and add-on cardholders.
  • Corporate Add-on Card Documents
    • Board Resolution (bank-specified format).
    • Partnership Deed (for partnership firms).
    • MOA and AOA (for companies).
    • Last 3 years' financial statements of the company.
  • Income Proof (Optional)
    • Latest salary slips (for salaried primary cardholders).
    • ITR/Form 16 (for self-employed).
    • Audited balance sheet and profit/loss statement.
  • Additional Documents for Student Add-on Cards
    • Proof of admission to a full-time course.
    • Co-applicant details (parent/guardian ID and income proof).
    • Fixed Deposit details (if backed by an FD).
  • Document Submission Guidelines
    • All photocopies must be self-attested by the primary cardholder.
    • Scanned copies (PDF/JPEG) must be within size limits (e.g., 2MB).
    • Originals may be required at branch verification.
    • Ensure all documents are valid and consistent.
  • Tips for Document Preparation
    • Keep extra copies ready to avoid delays.
    • Ensure all names and details are consistent across documents.
    • For corporate add-on cards, consult your Canara Bank representative for exact document requirements.

Factors Affecting Eligibility for Canara Bank Add-on Credit Card

  • Primary Cardholder’s Credit Score
    • A CIBIL score of 700 or above is preferred, reflecting strong creditworthiness and responsible repayment behavior.
    • A low score due to late payments, high utilization, or defaults may lead to rejection of the add-on card request.
  • Credit Utilization Ratio
    • Canara Bank considers the overall credit utilization of the primary cardholder.
    • A ratio above 30% may indicate financial pressure and reduce approval chances.
    • Maintaining a low balance and timely repayments can improve eligibility.
  • Income Stability
    • The primary cardholder must show stable income with a minimum annual income of ₹1,00,000 (₹2,00,000 for corporate cards).
    • Employment proof or business continuity documents may be required to confirm financial stability.
  • Existing Debt Levels
    • High outstanding dues on credit cards or loans may signal risk and affect add-on card approval.
    • A healthy debt-to-income ratio below 40% is generally favorable.
  • Number of Credit Cards
    • Holding multiple active cards with high balances may be viewed as excessive credit exposure.
    • The bank assesses repayment capacity before allowing an additional add-on card.
  • Banking Relationship with Canara Bank
    • Maintaining a savings or current account with good transaction history (minimum 12 months) strengthens eligibility.
    • Long-standing customers with satisfactory records may receive preference.
  • Payment History
    • A clean repayment track record on the primary card or other loans boosts credibility.
    • Missed payments or penalties negatively impact the credit profile and eligibility.
  • Multiple Applications
    • Submitting several applications in a short span leads to multiple hard enquiries, lowering the credit score.
    • Limit credit applications and space them over time to improve chances of approval.
  • Card Variant and Credit Limit
    • Higher-tier cards (e.g., Visa Signature, RuPay Select) with larger limits allow more add-on cards.
    • Basic variants with limited credit lines may permit only one or two add-on cards.
  • Age of Add-on Cardholder
    • The add-on cardholder must be at least 18 years old to be eligible.
    • Applications for minors will be declined, even if the primary cardholder is eligible.
  • Documentation Accuracy
    • Incomplete or inconsistent documentation (name/address mismatches) can delay or reject the application.
    • Ensure all submitted documents are updated and self-attested.
  • Corporate Status (for Corporate Cards)
    • Companies must have an S1/S2 credit status and 12 months of satisfactory banking history with Canara Bank.
    • Poor financial standing or missing corporate documents may result in disqualification.
  • Economic and Regulatory Factors
    • Changes in regulatory policies or economic conditions may affect Canara Bank’s internal credit criteria.
    • Approvals may become stricter during financial downturns or RBI policy revisions.

Frequently Asked Questions (FAQs) – Canara Bank Add-on Credit Card

1. What is a Canara Bank Add-on Credit Card?
A Canara Bank Add-on Credit Card is a supplementary card issued to immediate family members of the primary cardholder, such as a spouse, children (above 18), parents, or siblings. It shares the same credit limit and billing cycle, with centralized control by the primary cardholder.
2. Who can apply for a Canara Bank Add-on Credit Card?
Only the primary cardholder, who holds an active Canara Bank credit card in good standing, can apply. The add-on cardholder must be an immediate family member aged 18 or above.
3. What are the key features of the Canara Bank Add-on Credit Card?
Global acceptance, interest-free credit up to 50 days, reward points (2 per ₹100 spent), fuel surcharge waivers, customizable spending limits, EMV chip & PIN security, and insurance benefits. Premium variants may offer lounge access.
4. What benefits do add-on cardholders receive?
Access to credit, reward point accumulation, interest-free period, fuel surcharge waiver, EMI options, global usability, zero liability protection, and transaction alerts.
5. Is there a separate credit limit for the add-on card?
No. It shares the primary card’s credit limit. The primary cardholder can set individual spending limits for each add-on card.
6. Are there any fees for the Canara Bank Add-on Credit Card?
Generally, there are no joining/annual fees for personal add-on cards. Corporate add-on cards may attract a ₹400 + GST annual fee. Usage-based fees like cash advance or late payment charges may apply.
7. How can I apply for a Canara Bank Add-on Credit Card?
Apply online via Canara Bank’s net banking or ai1 mobile app, or offline at a branch. Some third-party platforms also facilitate applications.
8. What documents are required to apply for an add-on card?
ID proof, address proof, relationship proof, two passport-size photos of the add-on cardholder. The primary cardholder must submit their PAN and card details. Corporate cases need additional documents.
9. What is the eligibility criteria for an add-on cardholder?
Must be 18+ years and an immediate family member. The primary cardholder should have a good credit score (700+), minimum annual income of ₹1 lakh (₹2 lakh for corporate), and no overdue dues.
10. How many add-on cards can be issued per primary card?
Usually 2–3 per primary card. For corporate cards, add-on issuance is based on card type, firm income, and eligibility limits (₹50,000 to ₹200 lakh).
11. How long does it take to receive an add-on card?
Typically 7–14 working days from application. Online methods are faster (7–10 days). You can track the status via net banking or customer care.
12. Can the add-on cardholder use the card internationally?
Yes, if enabled. Cards issued on Visa, MasterCard, or RuPay networks are accepted globally. Ensure international usage is activated via net banking, mobile app, or branch.
13. Do add-on card transactions earn reward points?
Yes, they earn 2 points per ₹100 spent. Points are credited to the primary cardholder and valid for 3 years. Redemptions start from 100 points.
14. Is there a separate statement for the add-on card?
No. All add-on card transactions appear in the primary cardholder’s consolidated monthly credit card statement.
15. Can the primary cardholder set spending limits for the add-on card?
Yes. Custom limits can be set using Canara Bank’s net banking, mobile app, or via customer care, offering controlled usage.

List of Canara Bank Branches in Telangana

  • Telangana - Nalgonda
  • Medak - Sangareddy
  • Medak - Siddipet
  • Medak - Zaheerabad
  • Medak - Patancheru
  • Rangareddy - Shamshabad
  • Rangareddy - Serilingampally
  • Rangareddy - Rajendranagar
  • Rangareddy - Kothapet
  • Telangana - Rangareddy
  • Vikarabad - Tandur
  • Vikarabad - Pargi
  • Vikarabad - Vikarabad Main
  • Telangana - Vikarabad
  • Jangaon - Ghanpur
  • Jangaon - Jangaon Main
  • Telangana - Jangaon
  • Suryapet - Kodad
  • Suryapet - Huzurnagar
  • Telangana - Medak