Canara Bank RuPay Select Credit Card

Canara Bank · Lifetime free

A no-fee RuPay card that pays 0.5% and a small 5% on bills and restaurants.

Base rate: 0.5% as Reward Point.

What the bank says

• No annual, joining or enrolment fee
• 2 reward points per ₹100 on point-of-sale and online spends
• 3% foreign currency markup
• 5% cashback on utility bills and on restaurants, each capped at ₹50 a month
• 1 reward point = ₹0.25
• 2 domestic lounge visits a quarter and 2 international a year

Where it pays more

• 5% cashback on utility bill payments, up to ₹50 a month
• 5% cashback at eating places and restaurants, up to ₹50 a month

Things that catch people out

• Canara Bank charges ₹300 a year if you spend less than ₹1,00,000 on the card in the card year.
• The 5% on utilities and on eating places is capped at ₹50 of cashback a month for each.

Joining fee: ₹0. Foreign currency markup: 3%.

Read from Canara Bank’s own page on 2026-09-30.

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