Canara-Rupay-Select-Credit-Card
Canara Bank
Last updated: Feb 03, 2026
₹0
₹0
Free
6 visits/yr
Contents
Canara Bank’s RuPay Select is an entry-to-mid tier RuPay credit card aimed at customers who want a simple, low-cost rewards card with occasional lounge access and basic insurance covers. The card earns reward points on nearly all spends and carries minimal fees (often marketed as lifetime free). It is suitable for first-time cardholders who prioritise low costs and steady point accrual.
Features of Canara-Rupay-Select-Credit-Card which makes it unique
Canara Rewardz
Bank’s loyalty platform powers reward accrual and redemptions
Centralised point management and redemption for vouchers/merchants
Common across Canara credit card portfolio
Rewards Structure of Canara-Rupay-Select-Credit-Card
All Purchases
baseAll merchant spends except exclusions
Base earn rate via Canara Rewardz program; 1 point ~ ₹0.25 value (so effective ~0.5% redemption value).
Milestones of Canara-Rupay-Select-Credit-Card
No Public Milestones
N/A : No milestone bonus announced on official product page.
Fees & Charges of Canara-Rupay-Select-Credit-Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Lifetime free (no annual/renewal fee listed for this variant); inactivity fee may apply if annual spend below threshold.
Fee Explanation Canara Bank lists this card as lifetime-free (no joining/annual fee). Standard finance charges (interest beyond free credit period), cash withdrawal fees and inactivity fees apply as per the bank’s tariff sheet. All charges subject to GST and change by bank. | Late payment fee details: As per bank tariff (approx. ₹250 + GST typical)
Detailed Explanation of Canara-Rupay-Select-Credit-Card Fees
Joining / Enrolment Fee: Nil (one-time)
No joining fee for RuPay Select per Canara tariff.
Annual Fee: Nil (yearly)
Card listed as lifetime free; bank may apply inactivity fee if turnover below threshold.
Cash Withdrawal / ATM Fee: 3% (min ₹30 per ₹1,000) (transaction)
As per Canara Bank tariff sheet; additional bank ATM charges may apply.
Finance Charges (Interest): 2.5% p.m. (~30% p.a.) (monthly)
Interest beyond interest-free credit period as per bank MITC.
Inactivity Fee: ₹300 p.a. (if annual turnover below threshold) (yearly)
Levied if card usage below bank-specified turnover (see tariff sheet).
Lounge Access Benefits with Canara-Rupay-Select-Credit-Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Domestic lounge visits offered via RuPay Select benefits (check bank lounge list and activation conditions).
international Lounges
silverVisits per year: 2
Guest access: No
International lounge access availability subject to RuPay Select network benefits and card activation for international usage.
Insurance Coverage with Canara-Rupay-Select-Credit-Card
Accident Insurance
Self: up to ₹8,00,000 (air accident); Other: ₹4,00,000 (per MITC)As listed in Canara Bank product features and MITC; terms apply.
Purchase Protection / Baggage Insurance
Up to ₹25,000Limited covers as per product page; check detailed T&C for exclusions and claim process.
Additional Features of Canara-Rupay-Select-Credit-Card
Global Validity
Card can be activated for international usage via netbanking/mobile or branch visit
Activation required for international transactions.
Easy EMI Conversion
EMI conversion through Canara ai1 app
EMI charges apply as per tariff (min ₹100, 2% of transaction value etc. on some variants).
Welcome Bonus with Canara-Rupay-Select-Credit-Card
Welcome Bonus: NA
Bonus Conditions: No welcome bonus is listed on Canara Bank's official Rupay Select product page.
Application Process for Canara-Rupay-Select-Credit-Card
Processing Time
5-10 business days (typical; subject to verification)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Canara Bank portal or visit branch
Upload KYC documents and income proof (if required)
Bank does verification and credit assessment
Card dispatched upon approval (typical 5-10 business days)
Required Documents for Canara-Rupay-Select-Credit-Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
Canara-Rupay-Select-Credit-Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India where RuPay is accepted
International Acceptance
Global acceptance where RuPay international usage is enabled; activation may be required
Online Acceptance
Yes (domestic online merchants), international online acceptance subject to activation
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Canara-Rupay-Select-Credit-Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN; KYC documents as per Canara Bank norms; Indian resident as per eligibility.
How Approval Is Decided
- Minimum age 18 years and Indian resident
- Salaried or self-employed with acceptable income
- Acceptable credit history (650+ recommended)
Pros of Canara-Rupay-Select-Credit-Card
- Low cost: no joining or annual fee (lifetime free variant)
- Straightforward rewards—works on most spends
- Complimentary lounge access makes it useful for occasional travellers
Cons of Canara-Rupay-Select-Credit-Card
- Reward value is modest (approx ₹0.25 per point => ~0.5% effective)
- No aggressive category accelerators or public milestone bonuses
- Cash withdrawal and finance charges remain high as with standard cards
Frequently Asked Questions about Canara-Rupay-Select-Credit-Card
Does the card provide lounge access?
Yes—RuPay Select carries select domestic and limited international lounge privileges; verify the active lounge list and activation conditions on Canara Bank’s lounge page. :contentReference[oaicite:2]{index=2}
What are cash withdrawal and finance charges?
Cash withdrawals typically attract 3% (minimum ₹30 per ₹1,000). Finance charges (interest beyond free credit period) are about 2.5% per month (~30% p.a.) as per the bank MITC. :contentReference[oaicite:3]{index=3}
Is there a joining or annual fee on Canara Rupay Select?
No—Canara lists the RuPay Select credit card as a lifetime-free variant with no joining/annual fee; however inactivity fees may apply if annual spends are below bank thresholds. :contentReference[oaicite:0]{index=0}
What is the reward earn rate and redemption value?
You earn 2 reward points for every ₹100 spent. As per Canara Rewardz valuation, 1 point ≈ ₹0.25, so effective redemption value is ~0.5% on base spends. :contentReference[oaicite:1]{index=1}
Who should apply for this card?
Ideal for first-time credit card users or low-fee reward seekers who prefer a simple reward structure, occasional lounge access and minimal recurring fees. See comparison with other entry-level RuPay/Visa cards before applying. :contentReference[oaicite:4]{index=4}
How to activate international usage?
International usage can be activated via Canara NetBanking, the Canara ai1 mobile app, or by visiting your base branch as indicated on the product page. :contentReference[oaicite:5]{index=5}
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