What is a Canara Bank Debit Card?

Canara Bank Debit Card is a plastic card which can be used for cash withdrawals at ATMs, shopping at PoS and ecommerce platforms. It is linked to your saving/current accounts.

 

What are the variants of Canara Bank Debit Card?

Canara Bank Classic/Standard Card
Canara Bank Platinum Card
Canara Business Debit card
Canara Bank Select International (Premium variant) Card

 

Whether Debit Cards can be issued in Joint accounts with operation condition “Jointly?

No. The Debit Cards cannot be issued to Joint accounts with operation condition “Jointly”. The Debit Cards can be issued to only to Joint Accounts where the operating instruction is mentioned as either or survivor. The customer can apply for Debit Card at his / her base branch or through www.canarabank.com

What is PIN (Personal Identification Number)?

PIN is a unique 4-digit number that allows you to access your account through Debit Card for cash withdrawals at ATMs & authorising transactions at PoS Machine. Please keep your PIN safe.Please memorize the PIN. Do not write the same on any material which is accessible to unauthorized persons. Do not divulge the PIN to anybody, even to Banks’ personnel. Do not keep the PIN and the Debit Card together.

 

How can I get a Debit Card?

Debit card can be obtained from the branch of Canara Bank where you maintain the account by filling a Debit Card application form. In case of Non-Personalized card (without name) the card would be issued instantly. In case of Personalized card (with name) the card would be issued within 7-8 working days.

Customer can also apply for personalised Debit card through Canara Bank Website www.canarabank.com

 

I have not received my personalized card even after 10 days of giving the request at the branch?

Please contact the branch. You will get an SMS on your registered mobile number on dispatch of the Card mentioning the courier details and tracking number.

 

I have received the Debit Card but the PIN is not legible?

You need not worry. PIN for Debit Card can be generated at any Canara Bank ATM through Green PIN Option. You can also generate your PIN from Canara Bank Internet Banking login.

Login to Internet banking - Click on Cards - Click on Instant PIN Generation - Fill the card details - Enter OTP & Transaction Password - Set 4 Digit PIN of your choice.

You can also generate your PIN through Toll Free Number from your Registered Mobile Number(RMN) 1800 425 0018.  It will prompt you to enter card details and last five digit of your account number validated through OTP.

 

Where can I use my Debit Card?

Debit Card can be used in all the ATMs & merchant establishments displaying Visa/MasterCard/RuPay logo. You can also use your card for payments on the Internet/e-commerce. Debit card issued will be of Domestic validity. On request Debit cards with global validity will be issued.

 

How does the Debit Card work?

Insert your Debit card in ATM and follow the instructions displayed on the screen. For PoS transactions, dip the card in the PoS Terminal and authenticate the transaction using 4 digit PIN. For Pay wave/ NCMC Cards transactions up to Rs 5000 can be done on just one tap without any PIN authentication.

 

What is the validity of Canara Bank Debit Card?

Validity of Debit cards are till the last day of the month shown under “valid thru’ on the face of the card.

 

Are there any transaction limits for the Debit Card?
For Canara Bank Debit Card – Standard/Classic the Cash Withdrawal at ATMs is limited to Rs 40,000 per day and for purchase transaction Rs. 1,00,000 per day

For Canara Bank Debit Card – Platinum/Select, Cash withdrawal limit is Rs. 50,000 per day and for purchase transaction Rs. 2,00,000 per day.

 

If Debit card is lost or misplaced what should I do?

Please call 1800 1030 to get the card hotlisted / blocked. Also inform the Branch where the card is issued, for blocking the card.

Canara Bank Debit Card can also be hot-listed / blocked by sending SMS to 5607060 from Card Holders’ mobile number registered with the Bank as follows.

CAN {space} HOTLISTDC {space} CARD NUMBER (16 digits)

Card Holder will get confirmatory SMS Alert on hot-listing the Card.

You can also block your card from Canara Bank Mobile Banking app – CANDI or internet banking login.

What are the annual charges for Debit Card ?

An annual fee of Rs 125 + GST for classic cards, Rs 250+ GST for Platinum Cards and Rs.300/- + GST for Business Debit Cards. The Charge for RuPay Select Debit Card is Rs 1000 + GST.

Charges are subject to revision. Kindly refer the schedule of charges for more details.

 

Is there any charge levied for use of the card for Cash withdrawal?

The following service charges will be levied for Canara Bank Debit Card used in Canara ATMs beyond free transactions (other than for cash deposit transactions):

Free Transactions in a Calendar month (Financial and/or Non-Financial)	For Customers	Sr. Citizens	Staff
	6	8	10
Charges above free transaction (Financial)	₹20 + GST
Charges above free transaction (Non-Financial)	₹5 + GST

 

For cash withdrawals at other Bank ATMs, the following service charges will be levied for the Remote on-us (Our Card holders using other Bank ATMs) transactions beyond free transactions (other than for cash deposit transactions):

 

Free Transactions in a Calendar month (Financial and/or Non-Financial)	Metro	Non-Metro
	3	5
Charges above free transaction (Financial)	Present Charges per transaction	Present Charges per transaction
	₹21 + GST	₹21 + GST
Charges above free transaction (Non-Financial)	₹10 + GST	₹10 + GST

 

Can a fresh Debit card be issued in lieu of lost/damaged card and what is the amount to be charged?

Cards damaged due to ware and tare will be replaced free of cost.  Cards issued in replacement of lost card will be charged ? 50+GST.  However, hot listing charge of  ?150+GST will be collected in all cases.

If lost card is subsequently found/traced and restored to cardholder, can it be reactivated?

Card once hot listed / blocked cannot be re-activated. You can make a request for issue of a fresh card.

 

What is Mini Statement?
It is a statement of account showing last 10 transactions made in the account.

 

 How should I maintain the secrecy of PIN?

If at any time you feel that the PIN has been inadvertently or otherwise divulged to any one, you should change the PIN through any Canara Bank ATM /MB/IB/IVRS toll free number 1800 425 0018 immediately.

 

How often can I change the PIN?
PIN can be changed any number of times. First time PIN generation through ATM is free subsequently Rs 50/- +GST will be charged in case you forget your PIN.

 

How many accounts maximum can be linked to my Debit card?
Maximum of 4 accounts held in the same name and same capacity can be linked to a Debit card.

 

Does Bank bear any liability for unauthorized use of the Card?
No. The responsibility is solely vested with the cardholder.

 

What is CVV No.?
CVV No. is a 3 digit no. printed on the back of Debit card (Classic/Standard/Platinum/Select) on the signature panel. This number can be used only for transactions done through online mode.

 

What is Add-On card facility?
There is no Add on Card facility for Canara Bank Debit Cardholders.

 

Whether PAN is compulsory for applying for Debit card?

Yes. PAN is compulsory as per RBI guidelines. Wherever PAN is not available, form No. 60/61 as applicable has to be submitted.

 

Whether Debit card can be issued to joint accounts?

Debit card can be issued to joint accountholders where the operation condition is “severally”

 

My Debit card doesn’t work successfully on ATMs?
Debit Card does not work successfully on ATMs due to any of the following reasons:

•  You may be using the card before the expiry of 3 working days of receipt of the card from the branch, the time required for activation of the card.

•  You may not have swiped the card properly. Try 2 to 3 times.
• The magnetic stripe of your card has been damaged / deteriorated due to which it is not accepted by any ATM where the card reader may be weak. In such a case you may try at another nearby ATM and if still does not work, get it replaced by a new one from the Card issuing branch free of cost.
•  Your account may be inoperative or frozen at branch level due to some reason. Please contact your branch to know the account status.
•  You may be using wrong PIN.
•  You might have selected the wrong account type i.e. savings instead of current or vice-versa.
• Connectivity from the ATM to your branch has failed. In such case please try after some time or use another ATM nearby.

 

My Debit card works successfully on Canara Bank ATMs but not on other Bank’s ATMs.
The problem may be due to connectivity failure at other bank ATM. Please try after some time when connectivity is restored. Alternately you may try another ATM nearby.

 

My Debit card works successfully on ATMs but not at POS terminals.
Debit card does not work successfully on POS terminals due to any of the following reasons:

•  Connectivity failure at that particular time.

• Weak card reader of POS.
•  Magnetic stripe of the card deteriorated / damaged.

You may use the card after some time when the connectivity is restored.  Where the magnetic strip is damaged, you may obtain replacement card through your branch of issue, free of cost.

 

My Debit card works successfully on ATMs/POS terminal but not at E-com(online).

Debit card issued to customer is disabled for E-com transaction by default. Customer can enable E-com transaction and set the limit through Branch /Mobile Banking /Internet Banking/ATM.

 

My card doesn’t work on few ATMs of Canara Bank.

The quality of the magnetic stripe/ CHIP of your card may be damaged / deteriorated due to which it is not accepted by few ATMs where the card reader may also be weak. Try at some other nearby ATM. In such case you may get the card replaced by a new one through your Canara Bank branch, free of cost.

 

What is the Insurance cover available for RuPay Debit card?

NPCI offers accident insurance cover of Rs 2.00 lakhs only for PMJDY Cards. No insurance cover is extended for RuPay Classic Cards. NPCI provides accidental insurance up to 8 lakhs for RuPay Platinum and Select Debit Card. The Insurance is solely provided by NPCI and bank is not liable in any case.

 

Whether second Debit card will be issued to a cardholder.

Yes. Customer can avail second debit card subject to applicability of Annual Service Charges.