Lifetime Free Visa Platinum Card with 8 Domestic Airport Lounge Visits
Canara Bank account holders, domestic travelers seeking zero-annual-fee lounge access, and everyday retail purchases
Free
One-time upfrontFree
Lifetime Free — no renewal fee2 RP for every ₹100 spent on E-Commerce transactions
On eligible spends8 Domestic visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Canara Bank Visa Platinum Credit Card stands out among public sector bank cards by delivering true lifetime-free card ownership with an impressive 8 complimentary domestic airport lounge visits per year (capped at 2 per calendar quarter). With nil joining fees and nil annual fees for the primary cardholder, it provides zero maintenance overhead. Cardholders earn 2 reward points for every ₹100 spent on retail purchases and enjoy a 50-day interest-free credit cycle. However, add-on cards incur a ₹400 annual fee, the rewards redemption catalog is limited compared to private banks, and the mobile banking application offers a basic user experience. Who should consider it: Canara Bank savings or salary account holders wanting a dependable zero-fee credit card specifically for complimentary domestic airport lounge access and basic retail spending. Who should avoid it: Reward maximizers seeking high-rate cashback, air miles transfers, or luxury lifestyle dining privileges.
2 RP for every ₹100 spent on E-Commerce transactions
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| All Retail Spends | 2 Canara Rewardz points per ₹100 spent (0.50% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| All Retail Spends | ₹30,000 | 2 Canara Rewardz points per ₹100 spent (0.50% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for Canara Bank Visa Platinum Credit Card: • Primary Card Fee: Lifetime Free (Nil joining fee and Nil annual maintenance fee). • Add-On Card Fee: ₹400 + GST per annum for supplementary cards. • Domestic Airport Lounge Access: 2 complimentary visits per calendar quarter (8 visits per calendar year) at participating Visa airport lounges. • Reward Program: Earn 2 Reward Points per ₹100 spent on eligible POS and e-commerce retail transactions. • Fuel Surcharge Waiver: Applicable surcharge waiver on fuel transactions across all domestic petrol pumps. • Interest-Free Period: Up to 50 days from transaction date depending on billing cycle. • Finance Charges: 2.50% per month (30.00% annualized) on revolving balances. • Foreign Currency Markup: Standard 3.50% + GST on international transactions.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Canara Bank Visa Platinum Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Canara Bank portal with paperless verification.
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Best for: Canara Bank customers seeking a reliable everyday credit card with zero recurring maintenance fees and public-sector transparency.
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