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Canara Bank RuPay Select Credit Card

Annual Fee

₹1,000

Rewards/₹100

₹0.25 - ₹0.50

Normalized to balance base rate with bonus categories

Interest Rate

36.00%

Credit Score

725+

At a Glance

Key Benefits

Lounge access, UPI credit line, Rs.5L insurance, 24x7 concierge, NCMC

Lounge Access

3 domestic + 2 international lounges per quarter

Eligibility

Age: 21-65 years, Annual income: Rs.5 lakh+, CIBIL: 725+

Quick Details

Annual Fee
₹1,000 #183
Joining Fee
₹1,000 #183
Interest Rate
36.00% p.a. #45
Forex Markup
3.50% #75
Rewards/₹100
₹0.25 - ₹0.50 #238
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
3/year #87
International Lounge Visits
2/year #41
Min Credit Score
725+ #176
Min Monthly Income ₹50
Network RUPAY
Late Payment Fee ₹500
Cash Advance Fee 2.50% (min ₹500)
Over Limit Fee ₹500
Fee Waiver on Spend ₹1,50,000/yr

Reward Structure

Base

All Spends

₹0.25 /₹100
Cat

Dining

₹0.50 /₹100

Reward Calculator

Allocate by Category100%
Dining
2.0 pts
60%₹30,000
Other Spends
1.0 pts
40%₹20,000
Your Rewards
Points Earned800
Cash Value₹200
Breakdown
Dining600
Other Spends200
Total Value₹200
Quick amounts:

Milestone Benefits

Renewal Benefit

Annual fee waiver on Rs.1.5L spend

Spend ₹1,50,000 within 365 days

₹1,000

value

Airport Lounge Access

Domestic Free
3

visits per quarter

Via RuPay/Dreamfolks

International Free
2

visits per quarter

Via RuPay program

Insurance Coverage

Accident

₹5,00,000

Personal accident insurance

Lost Card

₹1,00,000

Lost card liability

Lifestyle Perks

Fuel

1 /month

1% fuel surcharge waiver

Concierge

24x7 concierge services

Other

1

UPI credit line support

Other

1

NCMC for transit payments

Quick Analysis

Canara Bank RuPay Select offers premium lounge access and UPI support at affordable fees for Canara Bank customers.

Pros

  • 3 domestic + 2 international lounge visits per quarter
  • 1-2 reward points per Rs.100 spent
  • Rs.5 lakh personal accident insurance
  • UPI credit line support
  • NCMC functionality for transit
  • 1% fuel surcharge waiver
  • 24x7 concierge services

Cons

  • Rs.1,000 annual fee
  • Fee waiver requires Rs.1.5L spend
  • 3.5% forex markup
  • High APR of 36%

Best For

Canara Bank customers, domestic travelers, UPI users

Not Ideal For

International travelers, basic card seekers

Frequently Asked Questions

What lounge access does this offer?
3 domestic and 2 international lounge visits per quarter via RuPay/Dreamfolks.
Can I use this with UPI?
Yes, this card supports UPI credit line for seamless payments.

User Reviews

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