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Canara Bank credit cards sport attractive features to match your unique lifestyle requirements. This includes discounts, cashback, exclusive deals, insurance cover, accelerated rewards, etc.  

However, if you want to enjoy these credit card benefits to the fullest, you need to meet the eligibility requirements to process your application. Read on to know about the Canara Bank Credit Card eligibility and other requirements in detail.

What are the Canara Bank Credit Card Eligibility Criteria?

Canara Bank lets you apply for a credit card if you meet the basic eligibility parameters. These include:

  • You must be between 21 and 60 years of age

  • You should be a salaried or self-employed individual

  • You must have a minimum income of ₹1 Lakh per annum

  • You should have a good credit history and a high CIBIL score

  • You should have a good working history with the bank


Note: Eligibility criteria may vary with the credit card type. Do check out the card-specific requirements before applying.

What Factors Impact Your Canara Credit Card Eligibility?

Here are some factors that impact your Canara Bank Credit Card eligibility:

  • Age 

Age is one of the primary determinants of credit card eligibility. Canara Bank will consider your credit card application only if you fall between the age group of 21 and 60 years.

  • Annual Earnings 

Your annual earnings should be at par with the minimum income requirements of the bank. Failing to do so will result in the rejection of your application for a new credit card. Do note that you must also have a stable job for the same. 


The minimum salary requirement for a Canara Bank Credit Card is ₹1 Lakh per annum. However, this may increase depending on the type of credit card you choose.

  • Debt-to-Income Ratio 

Your debt-to-income ratio, i.e., the money you spend each month to the amount you earn each month, is another key factor determining your eligibility. A high ratio can result in application rejection, as the bank may be unsure about your repayment capabilities.

  • Credit Score 

A high credit score of 750 or above will improve your chances of securing a Canara Bank Credit Card. Therefore, you should ensure that you pay your credit card bills in full and on time and clear any pending dues.

  • Total Owned Credit Cards

If you already have too many credit cards, with each having a high credit utilisation ratio, the bank will not proceed with your credit card application. This is the ratio of the total amount borrowed on the card to the total credit limit. 

  • Multiple Credit Card Enquiries 

Every time you apply for a credit card, the card issuer pulls your credit report, which registers a ‘hard enquiry’. Multiple hard inquiries for credit will create an impression of a needy borrower. This may not go down well with the bank, and it may reject your request.

  • Credit Report 

Any recent delinquencies in your credit report or any charge-off or settled remarks make you a high-risk borrower. As such, the bank may reject your application for a new credit card.

What Documents are Required for Canara Bank Credit Card Application?

What Documents are Required for Canara Bank Credit Card Application?

When it comes to applying for a Canara Bank Credit Card, there are certain documents that you need to submit. These include your proof of identity, proof of address, and proof of income. 


While submitting your PAN and Aadhaar card is mandatory, here is a list of other documents required for a Canara Bank Credit Card.

Identity Proof (any one)

Aadhaar card, PAN card, passport, voter ID card, driving licence, or any other photo ID card approved by the Government of India

Address Proof (if current address is different from the one mentioned in Aadhaar)

Passport, driving licence, voter ID, or other accepted documents. This may include the latest utility bills (such as telephone bills, electricity bills, etc.), rent agreement, municipal tax receipt, property tax receipt, or an official document issued by the state or central governments with the updated address

Income Proof (any one)

Salary slips for the last three months, bank account statement for the last three months, Form-16 (salaried employee), audited financials of the last 2 years, latest balance sheet, or income tax return (for self-employed).

How to Improve Your Canara Credit Card Eligibility?

If you are looking to improve your eligibility for a Canara Bank Credit Card, here are a few steps you can take:

  • Pay your credit card bills in full and on time

  • Avoid fines and penalties on any of your credit sources

  • Refrain from frequently applying in a short span to avoid hard enquiries 

  • Check your credit reports regularly to catch and report any errors or discrepancies

  • Improve your credit score by repaying all dues on time, reducing your debt-to-income ratio, etc


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on Canara Bank Credit Card Eligibility

To apply for a Canara Bank Credit Card, you must be between 21 and 60 years of age.

The Canara Bank Credit Card eligibility requirements are that you must be between 21 and 60 years, and you should be either salaried or self-employed. Additionally, you must have an annual income of at least ₹1 Lakh. You also need to have a high CIBIL score, positive repayment history, and a good relationship with the bank.

The Canara Bank Credit Card eligibility criterion for age is 21-60 years. Therefore, a minor is not eligible to get a credit card from the bank.

The reward points have a validity of 3 years from the day you receive them.

To apply for a Canara Bank Credit Card, you need to submit your PAN and Aadhaar Card. You will also need to submit Form 16, salary slips, income tax return, latest balance sheet, or other accepted income proof.

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