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Canara RuPay Select
83/100 · FREE
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Canara Bank
Canara RuPay Select
RuPay
LIFETIME FREE
Rewards RUPAY Top Rated

Canara RuPay Select

by Canara Bank · Data verified 2 days ago

Lifetime free RuPay Select card with UPI linking and lounge access.

83
Score
Based on rewards, fees, benefits & eligibility
FREE
Fee
Waiver available on spending
2
Reward Pts
Base earn rate (per transaction slab)
5.00%
Cashback
On eligible transactions
2 RP Earn
base reward rate
8 per year Lounges
complimentary
Lifetime FREE
waiver available
83/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Cashback
5.00% on spends
₹
Net Annual Value

You save per year!

What's Great

  • Lifetime free
  • RuPay Select lounge access
  • UPI linking support
  • Zero forex on RuPay network
  • Low interest rate

Things to Consider

  • Rs.300 inactivity fee
  • No international usage
  • Basic reward structure
  • Limited premium features

Perfect For

UPI users Canara Bank customers Budget card seekers

About This Card

Canara Bank RuPay Select Credit Card is a lifetime free card with RuPay Select benefits including domestic lounge access, UPI linking capability, reward points on spends. Inactivity fee Rs.300 if annual spend under Rs.1 lakh.
Annual Fee
FREE
Joining Fee
FREE
No joining fee

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
2.50% - 2.50%
Foreign Transaction Fee
Markup on international txns
3.00%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹100/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
3% of amount (min ₹150)
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
up to ₹5,000
₹250
₹5,001-₹10,000
₹500
₹10,001-₹25,000
₹750
>₹25,000
₹1,000
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
2
Reward Pts
₹0.25
Point Value
5.00%
Cashback
Welcome Bonus
None

Milestone Rewards

Annual fee waiver: Lifetime free (inactivity fee Rs.300 if spend under Rs.1L)

Reward Earning by Category

Category Reward Rate Details
Other 1 pts/₹100 Reward points on all spends
Point Value: 1 point = ₹0.25 | Redemption Fee: ₹0 + GST per request

Domestic Lounges

8 per year

Int'l Lounges

2 per year

Travel Insurance

₹8L cover

Fuel Savings

₹100/mo

Lost Card Cover

₹0

Add-On Card

Free

Dining

  • •Earn reward points/cashback on dining transactions

Shopping

  • •5% cashback on purchases
  • •2X points on eligible spends
  • •Contactless (tap-and-pay) enabled
  • •EMI conversion on purchases above Rs.2,500

Travel

  • •1% fuel surcharge waiver
  • •8 domestic lounge visits per year
  • •Personal accident insurance up to ₹8 lakhs for self and ₹4 lakhs for spouse in case of air accidents, ₹4 lakhs for self and ₹2 lakhs for spouse in other cases

Special Offers & Features

  • •Inactivity fee: ₹300 per annum if card spend less than ₹1,00,000 in the card year
  • •5% cashback on utility bill payments, capped at ₹50/month
  • •5% cashback on dining, capped at ₹50/month
  • •Personal accident insurance: ₹8 lakhs (self), ₹4 lakhs (spouse) for air accidents
  • •Personal accident insurance: ₹4 lakhs (self), ₹2 lakhs (spouse) for other accidents
  • •Cash withdrawal fee: 3% of amount (min ₹150) per ₹1,000 or part thereof

EMI Options

  • •EMI conversion on eligible purchases
  • •Tenure: 3, 6, 9, 12 months

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
Domestic
Material
Plastic
83 out of 100

CardSahayak Score

"Apply Now" takes you to Canara Bank's official website.

Eligibility

Salaried ₹83,333/mo
Self-Employed ₹83,333/mo
Age 21-60 yrs
CIBIL 700+
Employment Salaried, Self-Employed
Card Variant Select

Scores

Rewards 57/100
Fees 98/100
Benefits 46/100
Access 72/100

⚡ Quick Compare

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2 Active Offers

Deals & Offers

Exclusive offers available on Canara RuPay Select

EaseMyTrip

EaseMyTrip

Get flat 12% instant discount up to ₹1,800 on domestic flight bookings via EaseMyTrip using any Canara Bank Credit Card.

12
Till 31 Dec 2026 EMTCANARA travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹4,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Open EaseMyTrip website or app.
Step 2: Search and select eligible domestic flights.
Step 3: Apply coupon EMTCANARA on payment page.
Step 4: Pay using any Canara Bank Credit Card to get instant discount.
Terms & Conditions

Valid on all Canara Bank Credit Cards. Minimum booking amount is ₹4,000. Maximum discount is ₹1,800. Valid once per card per month.

Use Code: EMTCANARA
Visit Offer
Swiggy

Swiggy

Enjoy 20% instant discount up to ₹100 on dining and food deliveries on Swiggy using your Canara Bank Credit Card.

20
Till 31 Dec 2026 CANARA20 dining
Discount
Flat 20% up to ₹100
Min Spend
₹399
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Open Swiggy app.
Step 2: Add food items worth ₹399 or more.
Step 3: Apply promo code CANARA20.
Step 4: Complete transaction with Canara Bank Credit Card.
Terms & Conditions

Valid on all Canara Bank credit cards. Minimum order ₹399. Maximum discount ₹100. Valid twice per user per month.

Use Code: CANARA20
Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about Canara RuPay Select

To be eligible, you need:
  • • Min age: 21 years
  • • Salaried: ₹83,333/month min
  • • Self-employed: ₹83,333/month min
  • • CIBIL: 700+ recommended
Canara RuPay Select comes with zero annual fee — completely free for life!
You earn 2 reward points per eligible transaction. Each point is worth approximately ₹0.25. Welcome bonus: None on activation! Redeem for flights, hotels, vouchers via Canara Bank rewards portal.
Yes! Complimentary lounge access:
  • ✓ Domestic: 8 per year
  • ✓ International: 2 per year
  • → 2 complimentary domestic airport lounge visits per quarter (8 per year) via RuPay Select lounge program
  • → 2 complimentary international airport lounge visits per calendar year via RuPay program
  • • Instant: Pre-approved Canara Bank customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for Canara RuPay Select today and unlock amazing rewards and premium experiences.

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