Syndicate Bank Classic Credit Card Review

The syndicate bank classic credit card would be a solid choice for Indians looking for easy to qualify credit cards. It offers a number of useful features including low-interest rates, zero joining and annual fees, reward points on credit card usage, and lots more. A detailed description of the benefits of the card is given below.

Who can apply for a syndicate bank credit card?

  • Resident Type: Indian. 
  • Syndicate credit card eligibility for salaried person:
    • Syndicate credit card age limit: 21 to 60 yrs. 
    • Income: Rs.60,000 annually. 
  • Syndicate credit card eligibility criteria for self-employed person:
    • Syndicate credit card age limit: 21 to 65 yrs. & up to 75 years for senior citizens. 
    • Income: Rs. 1 lakh annually.
  • A CIBIL score of 650+ is required to apply for this syndicate credit card.

What documents are required to apply for a syndicate credit card application?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return.  
      • Proof of business.
      • Recent audited financial report.

What are the Syndicate bank classic credit card fees?

  • Joining fee: None.
  • Annual fee: None. 

What are the Syndicate bank classic credit card benefits?

  • Make your transactions more rewarding:

For every Rs.200 transaction made using this card, you can earn 1 reward point. You can redeem your Syndicate credit card reward points in cash. The value of 1 reward point is = Rs.0.50.

  • The perfect travel companion for you:

Your Syndicate bank card is a visa card which means you can use it in over 200+ countries across the globe.

  • Experience lower interest rates against revolving credit:

This card features a low-interest rate of just 2% against your credit card dues (applicable if you don’t pay syndicate credit card bills in time). 

  • Advanced security arrangements:

This Syndicate visa credit card is armed with an advanced EMV chip, this chip with its next-gen encryption method makes your card nearly impossible to clone.

What are the Syndicate bank classic credit card charges?


Chargeable amount

Syndicate credit card atm withdrawal charge 2.5% against the withdrawn amount, min Rs.200 (check your credit card cash withdrawal limit before making a withdrawal)
Syndicate credit card finance charge The syndicate bank credit card interest rate is 2% monthly
Syndicate credit card international transaction charge 3.5% against the transaction amount

How to contact the syndicate bank card helpline department?

Due to the merger of Syndicate Bank and Canara Bank, you must contact Canara Bank’s customer service department for any queries.

  • Call the canara bank credit card customer care no: 1800-425-0018 (Toll-free) or 1800-225-092 (Toll-free) or 080- 2206-4232 
  • Write to the canara bank credit card mail id:  

100xGain Ratings: 


Pros and cons of the syndicate bank card:



  • You can earn assured rewards with every transaction.
  • It is a lifetime free credit card.
  • You can enjoy a very low credit card interest rate with this card.
  • There are no dining or entertainment benefits on this Syndicate bank credit card.

Final Opinion:

As mentioned before, this Syndicate bank lifetime free credit card is best suited for first-time applicants and for those who have a very low credit score. You can also keep this card as a secondary credit card for emergencies.

But you can’t get this card anymore since it is completely discontinued. However, we have a number of other alternative options for you on our best lifetime free credit cards page. You can also compare the alternative card options given below.

Alternative Cards:

  1. Axis Bank Pride Signature Credit Card (Best for lounge and entertainment benefits) 
  2. Indusind Bank PAYBACK Credit Card (Best for reward benefits)
  3. RBL Platinum Choice SuperCard (Best for reward and movie benefits)
  4. Simply Click SBI Card (Best for reward benefits)

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