Canara Bank RuPay Select Credit Card Review
A no-fee RuPay card that links to UPI for everyday QR payments, with modest utility and dining cashback plus genuine domestic and international lounge access.
Quick facts
No joining or annual fee applies. The bank expects a minimum annual turnover of around ₹1 lakh on this card; an inactivity charge can apply if that isn't met.
Fees and reward rates
No structured sign-up bonus; value comes from the ongoing cashback and lounge benefits.
| Charge | Amount |
|---|---|
| Joining fee | Nil |
| Annual/renewal fee | Nil (lifetime free) |
| Cash withdrawal limit | Up to 50% of credit limit or ₹50,000, whichever is lower |
| Interest-free credit period | 20 to 50 days |
| Interest rate beyond credit period | 2.5% per month |
| Inactivity charge | Applies if minimum expected annual turnover (around ₹1 lakh) isn't met |
| Spend category | Reward rate |
|---|---|
| All PoS and e-commerce spends | 2 RP per ₹100 (1 RP = ₹0.25) |
| Utility bill payments (online or PoS) | 5% cashback, capped at ₹50 per month |
| Dining spends | 5% cashback, capped at ₹50 per month |
What else you get
2 complimentary domestic airport lounge visits every calendar quarter
2 complimentary international lounge visits every year
Link the card to UPI apps for everyday QR-code payments
Air accident insurance up to ₹8 lakh for the primary cardholder and ₹4 lakh for the spouse
Baggage insurance up to ₹25,000 and purchase protection up to ₹25,000
24x7 concierge assistance for hotel, dining, car rental and travel reservations
Eligibility
| Criteria | Requirement |
|---|---|
| Age | 18 to 70 years |
| Income (salaried) | Assessed by the issuing branch based on income, existing relationship and repayment capacity |
| Income (self-employed) | Assessed by the issuing branch based on business income and banking relationship |
| Credit history | Good credit history with no defaults |
| Residency | Resident Indian, generally with an existing Canara Bank relationship |
Canara Bank credit cards are issued through branches and the Canara ai1 app across India — exact eligibility, credit limit and lounge access depend on your relationship with the bank and the issuing branch's assessment, so confirm current terms before applying.
Verdict
What works
- Genuinely free for life with no joining or annual fee
- UPI linking makes it usable for everyday QR payments, unlike most credit cards
- Real domestic and international lounge access on a no-fee card is uncommon
- Solid air accident and baggage insurance cover for a free card
What to watch for
- Cashback on utilities and dining is capped at just ₹50 a month each
- No dining or entertainment discount programme beyond the cashback
- Forex mark-up is on the higher side for international spends
- Lounge access is typically conditional on a minimum quarterly spend
FAQs
Can I use the Canara Bank RuPay Select card for UPI payments?
How much cashback does the RuPay Select card offer?
Does the RuPay Select card include lounge access?
Is the Canara Bank RuPay Select card good for international travel?
Compare more Canara Bank cards
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