Canara Bank Credit Card Against FD

Key Highlights of Canara Bank Credit Card Against FD

The table given below provides a summary of the key features of Canara Bank secured credit cards, including the variants available, FD required, credit limit and fees applicable.

*Card terms updated and last verified as on 29 August 2026.

Canara Bank Secured Credit Card Variants & Credit Limits

The credit limit for a Canara Bank FD-backed credit card is linked to the principal amount of the term deposit pledged as security.

Why Choose a Credit Card Against FD from Canara Bank?

Canara Bank secured credit cards can be considered by customers who may not meet the income-based requirements for an unsecured credit card. They can get the card just by pledging your fixed deposit, starting with a minimum credit limit of ₹25,000. The FD continues to earn interest at the applicable Canara Bank FD interest rate.

The secured options also come with no joining, annual or enrollment fee and offer an interest-free period of up to 50 days. This is an inexpensive and simple way to build credit history while enjoying standard benefits such as reward points and fuel surcharge waivers.

Eligibility Criteria for Canara Bank FD-Backed Credit Card

To apply for the Canara Bank FD-backed credit card, applicants must meet the following eligibility conditions:

• Eligible Deposit: The card is issued against an FD held in the applicant’s name.
• Joint FD: A joint FD with an “Either or Survivor” payment condition is accepted if the applicant is one of the depositors.
• Minimum Limit: The minimum credit card limit is ₹25,000.
• Add-On Card: Add-on cards can be issued to other joint depositors.

Documents Required

Actual documents may differ based on applicant and KYC status. Canara Bank credit card application form has the following:

• PAN
• Aadhaar or other accepted identity/address proof
• Passport details, where applicable
• Residential and permanent address details
• Mobile number
• FD/KD account number
• Principal amount of the FD/KD
• Additional overseas and local address details for NRI applicants

Application Process for Canara Bank Credit Card Against FD

Applying for a credit card against FD is simple and can be done online and offline. Below is a step-by-step guide for each method:

Online Application Process

The bank also offers the hassle free online banking process. The key processes of the online process are mentioned below:

• Visit the Official Website: Go to the Canara Bank official website and navigate to the credit card section.
  
  
• Select FD-Linked Credit Card Option: Choose the credit card issued against fixed deposits and click "Apply Now."
• Open or Link a Fixed Deposit: Create a new FD or link an existing one that meets the eligibility criteria.
• Fill in the Application Form: Enter personal details, FD account information, and contact details in the online application form.
• Upload Required Documents: Some of the key documents, such as PAN card, Aadhaar card, passport or voter ID, along with the passport-size photograph, are needed for this step.
• Verification and Approval: The bank verifies the application and fixed deposit details. Once approved, the credit card is dispatched to your registered address.

Offline Application Process

If the applicant wants a face-to-face interaction, the credit card can be applied at the nearest Canara Bank branch.

• Visit Nearest Branch: At very first step you have to visit the nearest Canara Bank. At the bank you have to request the application form for a credit card against FD.
  
  
• Place a Fixed Deposit: If you don't already have one, open a fixed deposit that meets Canara Bank credit card minimum amount and tenure requirements.
• Fill the Application Form: Complete the form with your personal details and FD account information for lien marking.
• Attach Supporting Documents: Submit a passport-size photograph and photocopies of PAN card, address proof, and FD receipt.
• Bank Verification: At the stage of verification bank staff verifies all of your submitted documents for verification before submitting the process of the verification.
• Credit Card Issuance: Once verification is complete, the FD is lien-marked and the credit card is issued and delivered within a few working days.