VISA Gold Secured Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Cashback Rate
Users will earn 2 reward points for every Rs. 100 spent on credit cards.
Value of 1 reward point = Rs.0.25. Effective cashback rate: 0.50%.
Movie Benefits
Dining Benefits
Other Benefits
Users will receive offers/discounts at select online and POS merchants provided by NPCI from time to time.; Users will get a baggage insurance of up to Rs 25,000.; Additional concessions in interest rates may be applicable as the credit card is secured by a fixed deposit.
Lounge Access
Fees & Charges
Joining Fee
NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
Cash advance fee: 3% of the transaction amount subject to a minimum of Rs. 30 for every Rs. 1000 or part thereof.
Interest rate
2.50% monthly, 30% annually.
Late Payment Fee
Late payment charges: Rs. 250
Foreign Currency Transactions Fee
Foreign currency markup fee: Up to 3%.
Other Fees
Reward redemption fee: It will be displayed while redeeming the points. | Fuel surcharge: 1%
दोष
Low general cashback rate.
No milestone benefits.
No welcome benefits.
Reward system: Users will earn 2 reward points for every Rs. 100 spent on credit cards. Value of 1 reward point = Rs.0.25. Effective cashback rate: 0.50%.
Users will receive offers/discounts at select online and POS merchants provided by NPCI from time to time.
Users will get a baggage insurance of up to Rs. 25,000.
Additional concessions in interest rates may be applicable as the credit card is secured by a fixed deposit.
पक्ष विपक्ष
Welcome Benefits
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
पुरस्कार प्रणाली
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Eligibility Criteria
Independent income with a minimum of ₹. 2 lakh gross per annum for individuals.
Minimum annual gross income of ₹. 60000/- and minimum net take-home salary of not less than ₹. 4000/- p.m. for staff members.
The applicant needs to have a Fixed Deposit with the Canara Bank.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Online Application:
Visit the Canara Bank Website: Go to the official Canara Bank website.
Locate the Credit Card Section: Look for the "Credit Cards" or "Apply Online" section.
Select VISA Gold Secured Credit Card: Choose the VISA Gold Secured Credit Card from the available options.
Fill the Application Form: Provide the required personal and financial information, such as your name, address, income, and employment details.
Upload Documents: Upload the necessary documents, including proof of identity, address, and income.
Submit the Application: Review your application and submit it online.
Offline Application:
Visit a Canara Bank Branch: Go to your nearest Canara Bank branch.
Request an Application Form: Ask the bank staff for a VISA Gold Secured Credit Card application form.
Fill the Application Form: Complete the form with the required information.
Submit the Application: Submit the filled form along with the necessary documents to the bank staff.
सम्पर्क करने का विवरण
Call: 13 1800 1030
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward system: Users will earn 2 reward points for every Rs. 100 spent on credit cards. Value of 1 reward point = Rs.0.25. Effective cashback rate: 0.50%.
Users will receive offers/discounts at select online and POS merchants provided by NPCI from time to time.
Users will get a baggage insurance of up to Rs. 25,000.
Additional concessions in interest rates may be applicable as the credit card is secured by a fixed deposit.
Low general cashback rate.
No milestone benefits.
No welcome benefits.
The credit card is issued against fixed deposit. The credit card offers minimal value add features. Overall the card has limited appeal.
The credit card is issued against fixed deposit. The credit card offers minimal value add features. Overall the card has limited appeal.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
ईंधन अधिशुक्ल
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Billing Cycle
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.