Key Insights

You can earn 2 reward points for every ₹100 spent, depending on the type of card.
VISA Classic Credit Cards, RuPay Select, and MasterCard World are among the best credit cards.
One reward point is worth about 0.25 and can be used for shopping, travel, and vouchers. Redeem reward points as soon as possible because they expire after 3 years.

Effective cost management involves saving money while you spend, and Canara Bank Credit Card Reward Points provide just that. You earn points with each purchase, which can then be redeemed for exciting presents, coupons, and other items.

Let's look at how the rewards actually work, which card gives you the best value, and how easily you can redeem the points you earn.

Top Canara Bank Credit Cards for Reward Points

Here are some of the best Canara Bank credit cards known for great reward benefits:

Credit Card Name	Key Benefits	Reward Rate
Rupay Select Credit Card	Up to 50 days interest-free credit Easy EMI conversion via Canara ai1 app Purchase protection & baggage insurance Domestic acceptance & PoS / online shopping	2 points for every ₹100 spent
MasterCard World	Up to 50 days interest-free credit Easy EMI conversion Complimentary domestic & limited international lounge access (per quarter/year as listed) Domestic & international acceptance; online discounts	2 points for every ₹100 spent
VISA Classic Credit Card	Up to 50 days interest-free credit Easy EMI conversion via Canara ai1 app Domestic & international acceptance for PoS and online Reward points on PoS/e-commerce transactions	2 points for every ₹100 spent

Select the card that best fits your needs. Business users, frequent travelers, and shoppers can all find a card that works for them.

Types of Canara Bank Credit Card Reward Programme

Canara Bank runs multiple reward systems depending on your card type and usage.

Reward Type	Description	Example
Standard Reward points	Earn reward points on eligible retail credit card spends (PoS + e-commerce). The standard earn rate specified by the bank’s official policy documents is 2 points per ₹100 spent. Each reward point has a fixed value of ₹0.25. Points remain valid for 3 years from the date of accrual.	Spend ₹10,000 on eligible purchases, and earn 200 points. 200 points × ₹0.25 = ₹50 redemption value.
Cashback (Statement Credit Redemption)	Points can be redeemed as cash back to reduce your credit card outstanding. Minimum redemption rules apply. Canara Rewards portal requires points to be redeemed in specific multiples, that is, 1,000 points = ₹250 cashback, as per policy.	Redeem 1,000 points to get ₹250 cashback (credited to the credit card).
Catalog Redemption (Merchandise, Vouchers, Travel, Recharge)	Points can be redeemed on the Canara Rewards portal for products, shopping vouchers, mobile/DTH recharge, flight & bus bookings, etc. Each item in the catalog has its own point requirement.	Redeem points for vouchers, accessories, mobile recharge, or travel booking based on the catalog’s listed point requirements.

Always review the terms on your card before making a purchase.

How to Redeem Canara Bank Credit Card Reward Points

It's easy to redeem your Canara Bank reward points online or through customer care.

Through Net Banking

Take these simple steps:

Go to the Canara Bank Net Banking Portal.
Enter your password and user ID to log in.
Select “Cards”, and then “Credit Card and Reward Points”.
Verify the points you have available.
After selecting “Redeem,” pick the item or coupon you want.
Verify the redemption.

Points are subtracted right away, and gifts or vouchers are sent out a few days later.

Through Customer Care

You can also redeem by contacting Canara Bank’s customer care:

Method	Details
Phone Support	Call 1800 425 0018 (toll-free)
Email	Send request to hocancard@canarabank.com
Visit Branch	Fill out a reward redemption form at the nearest Canara Bank branch

Keep your registered mobile number and card information ready when making a call.

Canara Bank Credit Card Rewards Catalogue

The Canara Bank Rewards Catalogue offers a wide range of exciting products that you can purchase with your reward points.

Reward Category	Examples
Shopping	Gift vouchers for Amazon, Flipkart, and Lifestyle
Travel	Flight and hotel vouchers
Electronics	Headphones, Bluetooth speakers
Lifestyle	Watches, perfumes, fashion accessories
Charity	Donate points to partnered NGOs

The average value of one reward point is ₹0.25, though this can differ depending on the item. Click this link and look up “Credit Card Rewards” to view the official Canara Bank Reward Catalogue.

Bonus Tip: Explore exclusive, limited-time reward offers directly on Canara Bank’s Rewardz portal. Logging in regularly can help you spot promotions where you can earn extra points or redeem for high-value vouchers

Tips to Maximise Canara Bank Credit Card Reward Points

Follow these effective tips to make the most out of your Canara Bank credit card:

Make large purchases with your card, such as travel, groceries, and bills.
Pay your bills on time. Failure to do so may result in the cancellation of your reward eligibility.
Keep an eye out for special offers. Canara frequently doubles points for online or festival purchases.
To consolidate reward points under a single account, add authorised users.
Most points expire after three years, so redeem before they do.

Your daily expenses will be converted into free coupons or discounts if you use them carefully.

Conclusion

Reward points on your Canara Bank credit card increase the value of your purchases.

You can take advantage of discounts, freebies, and more by keeping track of your points and using them sensibly, all while managing your money.

Use your Canara Bank credit card regularly and enjoy the rewards of each swipe!

FAQs Related to Canara Bank Credit Card Reward Points

Can I earn points on all types of purchases?

Points are usually earned on retail spends (PoS and e‑commerce). Cash withdrawals, balance transfers, and fees generally do not earn points.

Is it possible to move reward points to a different Canara Bank card?

No, you cannot move points from one card to another.

What happens to my reward points if I close my card?

All unused reward points instantly expire when the card is closed.

How long does it take to receive the vouchers after being redeemed?

They are received within 7–10 working days based on the delivery method.

Can I combine points from multiple cards?
No, reward points earned on different Canara Bank credit cards cannot be combined. Each card maintains its own separate points balance, so you need to manage and redeem points for each card individually.

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