Canara Debit Cards

USER GUIDE
AND
TERMS & CONDITIONS

CANARA BANK DEBIT CARD is issued to all eligible account holders against their
request. Canara Bank Debit Card facilitates withdrawal of cash at ATMs and
payments for Purchases at Point of Sale and on the Internet.

The following variants of Canara Bank Debit card are issued to cater to the
different segments of the customers.

1. Canara Bank Debit Card – Personalised – This is issued to the general

customers of the Bank who have opened Savings Bank, Current Account,
Overdraft accounts with Canara Bank. This card will have the name of the
cardholder imprinted on the card.
2. Canara Bank Debit Card – Non Personalised – This Card is issued to the
cardholder at the time of opening the account to facilitate immediate
usage of the Card. This card is a generic card, which will not have the
name of the card holder on it.
3. Canara Campus Debit Card – This Card is designed for the use of students
studying in schools and colleges. This card is issued in association with the
Schools / Colleges, where the card is treated as an identity card besides
facilitating payment of fees etc. with the Card.
4. Canara Kisan Debit Card – This card is issued to borrowers under Kisan
Credit Card Scheme, to facilitate withdrawal of cash and purchase of
inputs.
5. Canara Platinum/ Select Debit Cards – Premium Variants of the card for
elite customers.
6. Canara RuPay Junior Debit Card – This card is personalized Debit Card,
specially designed for issuing in the name of minor students above the age
of 10 years.
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 Domestic Usage and Global Usage:

CANARA BANK DEBIT CARDS are issued for Domestic (within India) usage and Global
usage. While Cards with Global Usage are issued at the specific request of the
Cardholder/applicant, the Cards with domestic usage are issued by default. All
Cards are EMV compliant Chip Cards which afford greater protection against
skimming. Global usage on the card is blocked by default and can be enabled
through Mobile Banking App/ Internet Banking or by visiting the base branch.

Card Associations:

Canara Bank Debit Cards are issued in association with M/s VISA, M/s MasterCard
and M/s NPCI. The Cards issued in association with Visa have VISA logo and the
Cards issued in association with MasterCard have MasterCard logo. The Cards
issued in association with NPCI have the logo of RuPay.

The following are the common features of the variants of Canara Bank Debit Card:

1. Card Features:

o CANARA BANK DEBIT CARD can be used for Cash withdrawal at our
Bank ATMs and other Bank ATMs. The card can also be used at Point
of Sale (POS) Merchant outlets accepting the Debit card. The
Merchants display Visa/MasterCard/RuPay logo. The usage of our
DEBIT CARD is governed by the Terms & Conditions applicable to
CANARA BANK DEBIT CARD printed in this booklet. For pricing
structure, please referpoint No. 07 under Terms and Conditions.

2. About the Card:

o The CANARA BANK DEBIT CARD is valid for use domestically or

globally depending upon the type of Card issued. However, in case of
Global usage cards, foreign exchange transactions are not allowed in
Nepal and Bhutan as per RBI guidelines. While using the Card outside
the country, it is the responsibility of the Cardholder to ensure
compliance with Foreign Exchange Maintenance Act, Anti Money
Laundering Act and other relative Acts.

o The card is valid through the last date of the month & year embossed
on the Card.

o When the card is delivered to you at the Branch, please ensure that your
correct mobile number is updated in bank records.

o Kindly visit the nearest Canara Bank ATM to generate PIN for your Debit
Card.

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 o Protect your Card

i. Do not give anyone access to your card.

ii. Do not bend or scratch the card as damage will be caused to
the chip of the card that contains important information about
the card.
iii. Do not share your Card details like Card number, expiry, CVV,
PIN with anyone.

o In case of Canara Bank Debit Card – Non Personalized, on expiry of

the Card, please submit a request to your branch to issue a
replacement card, mentioning the card number and date of expiry.
You will be given a replacement card immediately at the branch.

3. Usage at Merchant outlets:

o Canara Bank Debit cards are affiliated to RuPay/ Visa/ MasterCard.

These cards are accepted at all merchant establishments that display
Visa/MasterCard/RuPay logo. The merchant should have an
Electronic POS terminal.

o Usage of Canara Bank Debit Card is subject to per day limit as per
Annexure-I which are subject to changes from Time to Time.

P.S.: Cash withdrawal from other Bank’s ATM is restricted to Rs.10,000/- per
transaction.

o Present your CANARA BANK DEBIT CARD for payment of the purchase
amount. The merchant will dip the card in the Point of Sale machine
for authorization. You will be asked to key in your PIN. Please key in
your PIN using the PIN pad of the swiping machine duly hiding the PIN
Pad to maintain secrecy of PIN. After a successful authorization, a
charge slip is generated from the machine. Ensure for correctness of
the amount. Collect back your card and your copy of the charge slip.
Please retain the charge slip copy till you verify the amount in your
statement of account.

o There are certain exceptional cases where you may be billed extra
service charges while making use of your Card with Merchants such as
Petrol Bunks, Railways, etc. Only if you agree to bear extra charges,
you should proceed with the transaction. Such service charges
together with the charge slip amount will be debited to your
designated account.

o Please note that since PIN verification is essential for debit card
transactions, you need to be physically present along with your card
at the time of purchase.

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4. Cash withdrawal at Merchant Establishments:

Canara Bank Debit Card provides facility to card holders for availing cash
withdrawal from the Point of Sale Terminals of identified MEs. The minimum
amount of withdrawal will be Rs.100/- and thereafter in multiples of
Rs.100/- subject to maximum of Rs 1000/- per day per debit card in Tier I &
II Cities and Rs.2000/- in other centres. This facility is available to the
cardholder whether he makes a purchase at the selected Member
Establishment or not.

The cardholder’s account will be debited the following charges;

Our Debit Cards used at our designated 1% of the transaction amount +

merchants Applicable taxes
Our Debit Cards used at 1% of the transaction amount +
other Banks’ merchants Applicable taxes

The service charges plus tax will be collected by way of debit to the
cardholder’s account.

5. ATMs:

o Your CANARA BANK DEBIT CARD is linked with ATMs (Automated Teller
M achines) for easy access to the cash, 24 hours a day. Your CANARA
BANK DEBIT CARD is accepted not only at Canara Bank ATMs, but also
at all ATMs of other banks with Visa/MasterCard/RuPay logo in India
and abroad, subject to the scope of the usage of Card, viz., domestic
/ global, terms apply.

Instructions for operations in ATMs:

o You can withdraw cash upto the limit specified in para 3 above per
day at ATM. However, the Bank is at liberty to increase or decrease
the above limit without any formal information to the cardholder.

o Please insert/swipe the card in the Card Insert slot. Then machine
will ask “Select your language”, please select the language that you
want to interact with the machine, then the machine will respond to
you with message "Enter your PIN No."

o Key in your PIN within 15 seconds and follow the instructions given on
the screen.
o Please collect the cash and leave the ATM counter only after the
transaction with your card is completed in all respects.
o As per RBI guidelines, cash will not be retracted, if not taken within
the stipulated time.

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 6. Canara Rewards Scheme in Platinum Debit card variant
o One Reward Point [equivalent to Rs. 0.25] for every successful non-cash
transaction of Rs. 200/- through Platinum Debit cards.(Fraction of Rs.
200.00 will be excluded)
Reward Point Maintenance
o All Platinum Debit card holders are auto enrolled under Canara Rewards
programme and are required to register through the website.
www.canararewardz.com for activation and redemption of Reward Points.

Reward Points would be forfeited in the following cases:

o All cancelled closed and blacklisted Platinum Debit cards.
o Where the cardholder has requested not to renew the Platinum Debit card.
o Reward Points aged more than 12 months.

Some of the services, offered at our ATMs are:

i. Cash withdrawal
ii. Balance enquiry
iii. Mini Statement
iv. Request for cheque book
v. Statement request
vi. PIN change
vii. PIN Generation
viii. Setting limit for Debit Card
ix. Cardless Cash Withdrawal

Note:
For any ATM operational assistance/clarifications contact the Branch
Manager.

Customer Service:
Toll Free Number: 1800 425 0018/18001030 (Domestic Calls only)

Non Toll Free Numbers

(if calling from outside/within India)

+91-80-22064232

7. Hotlisting of Canara Bank Debit Cards:

In the unfortunate event of the Card being misplaced or lost, the Cardholder
is requested to call the following number available 24/7 for hotlisting the
Debit Card. Toll-free Telephone Number of Canara Bank Call Centre:
1800 425 0018/18001030.
Card can also be hotlisted from Canara Bank Mobile Banking App or from
Internet Banking.

Always keep your card number with you for this exigency.
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8. Dispute:
As the transactions are debited on line, any dispute relating to a transaction
should be reported to the branch of issue of card within 5 days from the
date of transaction. The Bank will take up the matter with the acquirer for
resolution of dispute. The customer may have to give required proof to
substantiate his/her claim at the request of the acquirer.

9. Safe Custody:
Please preserve your CANARA BANK DEBIT CARD carefully and do not let it
fall into wrong hands. Please check your wallet/pouch once in a while and
ensure that your card is always safe.

o Register your mobile number with the branch to avail SMS alerts facility
for getting transaction alerts through SMS.
o If you lose your CANARA BANK DEBIT CARD, immediately log in to your
Canara Mobile Banking App/ Internet Banking to block your card or call
toll free number 1800 425 0018,1800 103 0018,1800 208 3333,1800 3011
3333

o In case of any loss incurred due to unauthorized usage of the Card, please
lodge a police complaint immediately detailing the loss of debit card. A
copy of the police complaint along with your detailed letter confirming
the loss of Debit Card should be sent to the branch of issue within a week
from the date of reporting the loss. Fresh letter of request should be
given to the branch for issue of New Debit Card.

o If you trace back the lost/misplaced card after reporting the card loss,
please do not use it, since it will not be honoured. Please destroy the
card.

FOR FURTHER DETAILS, PLEASE CONTACT CUSTOMER SERVICE CENTRES:

https://canarabank.com/User_page.aspx?menulevel=5&menuid=5&CatID=2

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 TERMS & CONDITIONS

APPLICABLE TO ALL VARIANTS OF CANARA BANK DEBIT CARDS (CBDC)

Important:

Please make sure that you have read the Terms and conditions carefully,
applicable to issuance and usage of CBDC. By accepting and/or using the card,
the cardholder accepts the terms and conditions set out for CBDC unconditionally
and will be bound by them and accepts the onus of ensuring compliance with the
relevant Reserve Bank of India (RBI) regulations, Exchange Control Regulations,
Foreign Exchange Management Act and any other corresponding enactment in
force from time to time. The cardholder will also continue to remain bound by
the terms and conditions of operations of his Savings Bank Account / OD Account /
Current Account with Canara Bank.

These terms and conditions shall be known as "Canara Bank Debit Card Rules".

Usage of CBDC should be strictly in accordance with the Exchange Control

Regulations and the responsibility of adhering to FEM A guidelines while using
debit card globally is on the cardholder. Any violation of the above, attracts
action under FEM A guidelines at the instance of Reserve Bank of India or Canara
Bank.

The Billing under Debit Card will be done in Indian Rupee only.

For all transactions in other currencies a mark-up fee of 3% is applicable.

Definitions:

The Bank, 'our', 'us' or 'we' refer to Canara Bank, a body corporate constituted
under the Banking Companies (Acquisition and Transfer of Undertaking) Act 1970,
having its Registered Office at No.112, J.C. Road, Bangalore-560002, which
expression shall mean and include its successors and assigns.

'Cardholder', 'you', 'your' refer to a customer of the Bank, who has been issued
and authorized to use the CBDC.

The issuer in relation to cardholder means the Bank. The Card means the Canara
Bank Debit Card (CBDC) issued by the issuer to Cardholder. Account in relation to
CBDC means an account maintained with Canara Bank for the purpose of routing
card related transactions under this agreement, which also includes an account
of a customer of the Bank who has agreed to these terms and conditions and is
authorized to operate the Bank account and thereby use the banking services
including ATM services and includes those having joint accounts, multiple users.

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Customer includes any individual, sole proprietorship firm, partnership,
company, co-operative society, association of persons, trust or other legal or
natural entity or organization.

Primary Account means one of the accounts, as described above, which will be
debited for transactions done at Merchant Establishments or ATM of our/other
bank displaying RuPay /Visa/Mastercard logo.

Secondary Account(s) indicates the Cardholder's account(s) nominated in writing

by the cardholder and approved by the Bank to be accessed through his Debit
Card in addition to the primary account.

ATM means any Automated teller Machine whether of the Bank or a shared
network ATM or any ATM displaying RuPay /Visa/Mastercard logo which honour
the Debit Card. A PIN means the personal identification number (required to
access ATMs, POS and Internet) allotted to the Cardholder by the Bank or chosen
by the cardholder from time to time.

Merchant or Merchant Establishment shall mean any company establishment and

/or person wherever located, which is approved by a Visa/MasterCard/RuPay

Scheme Member Bank and with whom arrangements have been made with, to
accept and honour the cards for the sale of goods and service to cardholders. This
shall include among others, stores, shops, restaurants, airline organizations etc.
advertised by the Bank or Visa/M asterCard.

EDC or "Electronic Data Capture" refers to Electrronic Point of sale swipe/dip

terminals, whether displayed by or on behalf of Bank or any other Bank at which,
amongst other things, the cardholder can use his fund in his account/s held with
the Bank to process the instructions given by a cardholder by using his card, to
the Bank to effect action on transaction at a Merchant Establishment.
'Transaction' means any instruction given by a cardholder by using his card, to
the Bank to effect action on the account. (Examples of transac tions can be retail
purchases, cash withdrawals etc.)

02. The Card:

The Canara Bank Debit Card which term includes all its variants that are existing
and that will be introduced in future on the platform of Debit Card, shall be
issued on the basis of an application in the prescribed format subject to such
eligibility norms the issuer may fix from time to time. The issuer at its sole
discretion may refuse issuance or renewal of card without assigning any reason
whatsoever.

The cardholder shall be deemed to have unconditionally agreed to be bound by

the Terms and Conditions by acknowledging receipt of the card in writing or by
signing on the reverse of the card or by incurring a charge on the card. However,
the account holder may not be issued a card subsequently if he does not accept
the card for whatsoever/reason. In such cases, if the card is already received by
the branch of issue, the card shall be destroyed by cutting into pieces.
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By default, CBDC issued is valid for domestic i.e., within India, transactions only.
However, Global Cards also can be issued on specific request by the customer.
These cards are valid upto the last day of the month and year indicated on
the face of the card under ‘VALID THRU’, unless cancelled/invalidated earlier. On
expiry/earlier cancellation/invalidation, the Card must be destroyed by cutting
into pieces and confirm the same to the issuer by means of a letter addressed to
him.

The cardholder will be responsible for all facilities granted by the Bank in respect
of the card and for all related charges. A tariff of charges has been given
elsewhere in this document, which is subject to change from time to time.

The card and relative PIN mailer will be issued immediately on opening an
account with Canara Bank along with Pass Book and Cheque Book. The applicant
shall acknowledge for having received the card. The cardholder shall sign on the
signature panel of the Card in the presence the Bank Official immediately on its
receipt and shall take all reasonable steps for its safe custody. The cardholder
shall also note down the card number and validity period, as imprinted on the
card, separately to enable him/her to furnish these details to the issuer in case of
loss or theft of the Card.

The Card is a property of the Bank and the issuer reserves its right to cancel the
Card and/or withdraw the privileges extended to the Cardholder at any time
without assigning any reason. The issuer shall have absolute right to seek
destruction of the cancelled/withdrawn Card and the cardholder shall confirm in
writing to the Bank that he has destroyed the card beyond usage. Non compliance
of with the Bank's request for destruction of the card beyond usage is an illegal
actexposing the cardholder to legal proceedings.

On expiry of the card, the cardholder shall personally call on the branch,
establish his identity and seek issue of replacement card from the branch. PIN
can be generated through Green PIN option in Canara Bank ATM.

The cardholder may select his own PIN (any 4 digit number) if he would like to
change it, depending on the availability of such facility in our ATM. The PIN
issued to the cardholder for use with the Card or any number chosen by the
cardholder as a PIN, will be known only to the cardholder and is for the personal
use of the cardholder and are non-transferable and strictly confidential. A
written record of the PIN should not be kept in any form, place or manner that
may facilitate its use by a third party under any circumstances or by any means
whether voluntary or otherwise. The cardholder shall be liable for any damages
arising from a failure to keep secrecy of the PIN.

Use of the Card

The cardholder has to use the Card himself/herself and should never permit any
other person to use the Card. He/she should safeguard it from misuse by retaining
it under his/her personal custody at all times. The Cardholder's account will be
debited immediately with the amount of any withdrawal, transfer and other

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transactions effected by the use of the card. The cardholder will maintain
sufficient funds in the account to meet any such transactions and shall not be
entitled to overdraw the account/s with the Bank or withdraw/purchase by the
useof the Debit Card in excess of any agreed overdraft limit.

In case of cards linked to multiple accounts, transactions through ATMs (where

account selection option is not available), Merchant Establishments and Cash
withdrawals through EDCs, will be effected on the primary account linked to the
card. In case there are no funds in this account, the Bank will not honour the
transactions even if the funds are available cumulatively or severally in other
accounts linked to the same card.

The Bank and Visa/MasterCard/NPCI(RuPay) shall not be liable when a

merchant for any reason refuses to accept the Canara Bank Debit Card or if the
ATM/EDC has not rendered the requested service or the Debit Card cannot be
used as a result of any defect, blocking, deactivation, temporary insufficiency of
cash in the ATM, technical or communication failure.

Merchant Location Usage:

The card is acceptable at all electronic Point of Sale across the Globe/within
India (depending upon the scope of usage, domestic or global) which display the
Visa/MasterCard logo/RuPay. The card is for electronic use only and will be
accepted on at Merchant Establishments that have an electronic point of sale
swipe terminal. Any usage of the card other than electronic use will be deemed
unauthorised Cardholder will be solely responsible for such transactions. The
card is operable with the help of the cardholders PIN at EDC terminals.
Transactions shall be authorized only when the PIN is successfully entered by the
Cardholder.

Use of the card at Member Establishment will be limited by the limit assigned
for all such transactions for a day, irrespective of the credit balance in the
account/s. These limits are put in place to protect the interest of the cardholder
to prevent runaway usage of the card in the event of loss of card. Hence these
limits are confidential. If there is any rejection of transactions on account of
exceeding the limits set by the Bank, the Bank shall not be held responsible for
rejection of such transactions, even though there is sufficient balance available
to the credit of the account of the cardholder.

Transactions are deemed authorised and completed once the EDC terminal
generates a sales slip. The amount of the transaction is debited from the primary
account linked to the card immediately. The cardholder should ensure that card
is used only once at the Merchant location for every purchase. The sales slip will
be printed each time the card is used and the cardholder should ensure that
there is no multiple usage of card at the Merchant Location at the time of
purchase.

Authority to charge the Cardholder's account in respect of purchases made/to be

made, services availed/to be availed would be given by Cardholder by way of
either PIN, tapping the card for contactless or such other form as the Bank may
prescribe. Signature of the Cardholder on such form/s together with the Card No.
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noted thereon or any sales slip not personally signed by the cardholder, but which
can be proved, as being authorized by the cardholder, shall be conclusive
evidence as between the issuer and the cardholder as to the extent of liability
incurred by the Cardholder and issuer shall not be required to ensure that the
Cardholder has duly received the goods purchased/to be purchased or has duly
received the services availed/to be availed up to his/her satisfaction.

The Bank accepts no responsibility for any surcharge levied by any merchant
establishment and such amount will be debited to the cardholder's account.
However, some transactions (like at Railway Station & Petrol pumps) may attract
a service charge as per the Industry practice in addition to the amount of
transaction, which will be debited to cardholder's account.

The cardholder must retain his own copy of the charge slips. The Bank/Issuer will
not normally provide copies of charge slips. However at its discretion and upon
customer requests, the Bank/Issuer may provide copies thereof if request is
received in writing within 5 days from the date of transaction, subject to an
additional fee, which is subject to change at the discretion of the Bank/Issuer.

Should the Cardholder choose to disagree with the amount debited to his
account, the same should be communicated to the Bank/Issuer within 5 days of
the transaction date, failing which it would be construed that all charges are in
order.

The Bank/Issuer is not responsible or liable for any defect or Deficiency in respect
of goods and services charged to the Card. Any dispute should be settled directly
by the Cardholder with the Member Establishment and failure to do so will not
relieve the Cardholder against a Member Establishment who may raise a
counterclaim against the Bank/Issuer.

Any purchase/availment of service and subsequent cancellation thereof

(including purchase and cancellation airline/railway tickets, etc.) shall be
treated as two different transactions. On receipt of refund/credit if routed
through the Issuer, the actual net amount so received shall be held by the
Issuer on behalf of the Cardholder free of Interest and settled against the
claim made by the cardholder by crediting to the account subject to recovery
of a service charge as may be fixed from time to time. The claim should be
supported by some proof like cancelled charge slip copy, refund vouchers, etc.
All refunds and adjustments due to any merchant/device error or
communication link will be processed manually and the account will be
credited after due verification and in accordance with Visa/MasterCard/RuPay
rules and regulations as applicable. The cardholder agrees that any debits
received during this time will be honoured only based on the available balance
in the Account/s without considering this refund/adjustment. The cardholder
also indemnifies the Bank from such acts of dishonouring the payment
instructions.

The cardholder shall make use of the card only for the purpose of making
bonafide purchase of goods or availment of services from such Member
Establishments with whom the Bank may enter into arrangement for this purpose,
or such Merchant Establishment who are authorised to accept Cards with
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Visa/MasterCard/RuPay logo or for making 'Cash Withdrawal' within the validity
period of the Card. The Cardholder shall not, while making use of the card
commit any breach or violation of any law, rule or regulation that may be
currently in force. The issuer reserves the right to call for from the cardholder
and/or the member establishment full details of the transactions under the card,
and the cardholder shall agree to such disclosure. The cardholder alone shall
make use of the card and shall not allow any other person to use the same on
his/her/its behalf. The card shall not be transferable.

The Bank reserves the right and the cardholder agrees inter alia for the disclosure
and to share and receive from other institutions, credit referencing bureaus,
agencies, statutory executive, judicial and regulatory authorities whether on
request or under an order therefrom, and on such terms and conditions as may be
deemed fit by the Bank or otherwise, such information concerning the
cardholder's account as may be necessary or appropriate in connection with its
participation in any electronic funds transfer network. The bank also reserves the
right to disclosure of information to third parties about the bank account of the
cardholder or the transactions done through the use of the card where it is so
necessary to comply with law or government agency or court orders or legal
proceedings and/or when and/or when it is necessary to resolve errors or other
matters.

Any government charges, duty or debits or tax payable as a result of the use of
the card shall be borne by the cardholders and if imposed upon the Bank (either
directly or indirectly) the Bank shall debit such charges, duty or tax to the
cardholder's account.

03. Cash Withdrawals:

The card is accepted at any of Canara Bank ATMs (Cash Points) and other bank
ATMs/displaying Visa/MasterCard/RuPay logo. The card is operable with the help
of confidential PIN at ATM locations. On receipt of the PIN by the cardholder from
the Bank/Issuer it should be ensured that the same is received in a sealed
envelope and there are no signs of tampering of either envelope or the PIN
mailer. All transactions conducted with use of the PIN will be the cardholder's
responsibility and he/she will abide by the record of the transaction as
generated.

The cardholder may withdraw cash in multiples of Rs.100/-, subject to a

maximum permissible at the ATMs. Usage of the Global card abroad is subject to
the foreign Exchange Control regulations of the country, where the card is used.

When the card is used at any other shared ATM, the bank will not accept
responsibility for any dealings the cardholder may have with the other institutions
including but not limited to such services. Should the cardholder have any
complaints concerning any shared cardholder with the establishment and failure
to do will not relieve him from any obligations to the Bank. However, the
cardholder should notify the bank of this complaint immediately.

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There will be separate service charges levied for such facilities that will be fixed
by the Bank from time to time and debited to the cardholder's account linked
tothe card at the time of making such transactions.

In the situation that the account does not have sufficient funds to debit such
fees, the Bank reserves the right to deny the transaction. And the decision of
the Bank is binding on the cardholder. Such service charge will be debited to the
account irrespective of the fact that a transaction is successful or is a failed one.

The type of transactions offered on shared network ATMs may differ from those
offered on the Bank's own networked ATMs. The bank will only support the
minimum transaction set that will be offered at the ATMs belonging to other
networks. The bank reserves the right to change the transaction limit set without
any notice to the cardholder.

For all cash withdrawals at Canara Bank ATM, any statements/receipt issued by
the ATM at the time of withdrawal shall be deemed conclusive, unless verified and
intimated otherwise by the Bank. Any such verification shall likewise be final and
conclusive and this verified amount will be binding on the Cardholder.

04. Lost or stolen card:

If the Card is lost/stolen, the cardholder shall immediately notify the branch
(which has issued the card)/nearest branch/Switch Room with full details,
including the cardholder's name, the Card number and its validity period as
imprinted on the Card. If this information is given orally it must be confirmed in
writing within 7 days. The cardholder shall furnish to the issuer all information in
his/her possession as to the circumstances of loss/theft and take all reasonable
steps, such as informing the issuer by quick mode of communication, lodge a
complaint with local police etc. to recover the lost/stolen card and shall also
assist the issuer to recover it.

In case of suspected theft of the card, the cardholder has to lodge a report with
the local police and has to send a copy thereof to the issuer. In case the
cardholder recovers the card which has been reported as lost/stolen, he/she shall
not make any further use of it and it shall be surrendered to the issuer along
witha full report.

The cardholder will be fully liable for all the charges on the card in the event it is
lost but not reported in writing as above to the Bank/Issuer and the cardholder
indemnifies the Bank/issuer fully against any liability (civil/criminal) loss, cost,
expenses or damages that may arise due to loss or misuse of the Card. In the
event the transactions are received by the Bank/issuer after the Card has been
reported lost or stolen but before the receipt of the Cardholder's written
confirmation and police complaint/FIR as above, the cardholder shall continue to
be fully liable for all amounts debited to the cardholder's account.

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A fee of Rs.150/- + applicable taxes per card or such other amount as may be
fixed by the Bank from time to time shall be charged from the cardholder for
hotlisting the lost/stolen card. This fee has to be paid compulsorily whether the
lost/stolen card is to be replaced or not.

Tariff:

05. Pricing structure:

SERVICE CHARGES RELATED TO DEBIT CARD ISSUANCE: Refer Annexure-II

DETAILS OF CHARGE LEVIED FOR USE OF THE CARD FOR CASH WITHDRAWALS:
Refer Annexure-III

06. DISCLOSURE:

The cardholder acknowledges the right of the Bank to provide details of his/her
account including those of any add-on cardholder(s) to third party agencies for
the purpose of availing support services of any nature by the Bank, with specific
consent or authorization from him/her or any add-on cardholders obtained at the
time of requesting for the Debit Card.

Important Regulatory information

- The Card is valid for use both in India as well as abroad depending on card
variant.

- Usage of the Card for transacting outside India must be made in accordance with
applicable law including the Exchange Control Regulations of the RBI and the
Foreign Exchange Management Act, 1999. Foreign exchange trading through
internet trading portals is not permitted. In the event of any violations or failure to
comply, you may be liable for penal action. You should consult your Authorized
Dealer (AD) regarding your Foreign Exchange Entitlement

02. General Conditions:

The cardholder shall undertake to furnish to the issuer, changes, if any in respect
of any information furnished in the Application form within 7 days from the date
of occurrence of such changes. The issuer may take cognizance of such changes
only after the expiry of 30 days from the date it receives the information.

All suits and proceedings against the issuer relating to any claims, dispute or
difference arising out of or in respect of the card shall be instituted only in the
courts situated in the city of Bangalore where the Head Office of the issuer is
situated and no court/forum situated in any other places shall have jurisdiction to
entertain or decide such matter. The issuer may, however at its option institute
any such suit or proceedings against the cardholder at anyplace where the
cardholder resides or carries on business or works for gain or maintains
his/her/its account with any branch of issue.
Page 29 of 33
Where the cardholder is issued Canara Bank Debit Card – Non Personalised, he
may opt to have Canara Bank Personalised Debit Card in place of the non-
personalised card. However, where any variant of the Canara Bank Debit Card –
Personalised is issued in place of Canara Bank Debit Card – Non Personalised
before its expiry, the Bank shall levy a service charge of Rs.100 plus applicable
service tax.

The issuer reserves their right to add, to delete from these terms and conditions
as they think fit in their absolute discretion and without assigning any reason
whatsoever and such changes shall be binding on the cardholder.

IMPORTANT

Please memorize the PIN and change it periodically. Never write the
PIN anywhere.
Please note that CANARA BANK or its vendors will NEVER ask for your
CVV, PIN, OTP or Passwords over phone/ through E mail /SMS or any
other mode. Never share/ divulge such vital information with any one.

To ensure safe safety of your card, keep your card in switched off
mode when not in use. The card can be switched on/ off from Canara
Mobile Banking App.
Cash withdrawal at other Banks’ ATMs is restricted to Rs.10,000/- per
transaction.

Never take assistance of any unknown person while operating at ATM.

CANARA BANK

Card Business Management Section

Digital Banking Services Wing, HO-Annexe,
1st Floor, Devanga Tower, KG Road Bangalore-560009
Web: www.canarabank.com || Toll Free: 1800 425 0018

Page 30 of 33
 ANNEXURE-I

Limit for Withdrawal/Purchase :

The following will be the maximum daily limits for different types of transactions.
The limits may vary depending upon the variants of Debit Card as product feature.

Card Type Txn Type Daily limit

Cash 75,000/-

Classic Debit Card POS/ E-Com 2,00,000/-

NFC(Contactless) 25,000/-

Cash 1,00,000/-
Platinum/ Business/Select
POS/ E-Com 5,00,000/-
Debit Card
NFC(Contactless) 25,000/-
Note: Contactless transaction allowed upto ₹ 5000/- per occasion and 5
transactions per day.

Page 31 of 33
 ANNEXURE-II

SERVICE CHARGES RELATED TO DEBIT CARD ISSUANCE

Charge Type Classic/Standard Platinum Business Select

Enrolment Fee NIL NIL NIL NIL
Activation/Membership Fee NIL NIL NIL NIL
Annual Fee Rs. 200/- Rs.500/- Rs. 500/- Rs.1,000/-
Hotlist/Duplicate card on Rs. 150/- Rs. 150/- Rs. 150/- Rs. 150/-
account of loss of card
Replacement card Rs. 150/- Rs. 150/- Rs. 150/- Rs. 150/-
Debit card inactivity fee NIL NIL NIL NIL
Charges for SMS alerts On On On On
(Charges Per Quarter) Actuals* Actuals* Actuals* Actuals*
First time Green Pin NIL NIL NIL NIL
Generation
Regeneration of Green Pin Rs.50/- Rs.50/- Rs. 50/- Rs.50/-

* Note: All the charges mentioned above are exclusive of taxes, Applicable taxes
will be collected, extra.

Page 32 of 33
 Annexure-III

DETAILS OF CHARGE LEVIED FOR USE OF THE CARD FOR CASH WITHDRAWALS

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)
subject to changes from time to time:

Free Transactions in a For Customers Sr. Citizens Staff

Calendar month
(Financial and/or Non- 6 8 10
Financial)
Charges above free
transaction (Financial) ₹20 + GST

Charges above free

transaction (Non- ₹5 + GST
Financial)

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) subject to changes from
time to time:

Free Transactions in a Metro Non-Metro

Calendar month
(Financial and/or Non- 3 5
Financial)
Charges above free Present Charges per Present Charges
transaction (Financial) transaction per transaction

₹21 + GST ₹21 + GST

Charges above free ₹10 + GST ₹10 + GST
transaction (Non-Financial)

Note: - All the service charges attract GST at the applicable rate.
- All out of pocket expenses will be recovered from the cardholder.

Page 33 of 33