HomeCredit CardsCanara Rupay Select Credit Card
Canara Rupay Select Credit Card

Canara Bank

Canara Rupay Select Credit Card

rupayselectcreditshoppingonline

Annual Fee

Lifetime Free

Base Reward

2% points

Foreign Markup

Upto 3% of transaction amount.

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VerifiedLast updated 26 May 2026

Welcome Benefits

₹ 500 Gift Voucher from Croma (Infiniti Retail Ltd.)

Product Highlights

  • Upto 50 days of interest free credit
  • Easy EMI Conversion through Canara ai1 app

Category Rewards

utilities

5% Cash Back on Utility Bills

5X

dining

5% Cash Back on Eating Places & Restaurants

5X

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
Utility Bills

Utility Bills

5% Cash Back(Capped at ₹50 per month)

5X
Eating Places & Restaurants

Eating Places & Restaurants

5% Cash Back(Capped at ₹50 per month)

5X

Reward Calculator

Earns ₹1,500/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹25K

across all your buckets

Points / yr

6K

Canara Reward Points

Best worth

₹1.5K

via standard · ₹0.25/pt

Effective rate

0.50%

Annual fee

FREE

Year 1 net

+₹1,500

Year 2+ net

+₹1,500

ongoing

Adjust your spend by reward bucket

1 buckets
0.50%All spends
₹25,000/mo
Earns 500 canara reward points / mo≈ ₹125 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, rent, wallet, emi, cash advance, government

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

2 points for every ₹100 transaction for purchases/payments. Value of each point is ₹0.25.

Reward Points — Redemption Value
  • 1 point = ₹0.25

Benefits & Features

Domestic: 2 complimentary visits per quarter. (Covers 30 Lounges across 11 cities in India.) International: 2 per year. (Covers 500+ Lounges across 300+ cities worldwide.) Full lounge access description.

Pros & Cons

Pros

  • Complimentary Airport Lounge Access
  • Exclusive Merchant Offers

Cons

  • Annual Fee is NIL but inactivity fee applies
  • Limited lounge access

Additional Info

Important note 1

Note 2

Cash Back Offer on Utility Bill Payment Services 5% Cash back on payment of Utility Bills applicable for both online and PoS terminals capped at ₹50 per month.

Partner Merchants

CromaApollo PharmacySnapdeal

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual FeeFREE
Joining FeeNIL
Foreign MarkupUpto 3% of transaction amount.
Interest Rate2.5% per month
Cash Advance3% of transaction amount subject to a minimum of ₹150.

Eligibility

Salaried

₹0.6L+

Self-Emp

₹10.0L+

Networks

rupay