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Features of the Canara Bank RuPay Select Credit Card

  • Lifetime Free Card with No Annual or Joining Fees: The Canara Bank RuPay Select Credit Card stands out as a lifetime free credit card, meaning cardholders are not burdened with annual or joining fees. This feature makes it an attractive option for individuals seeking cost-effective credit solutions without recurring charges, ensuring long-term savings while enjoying premium privileges.
  • Reward Points on Every Transaction: Cardholders earn 2 reward points for every ₹100 spent on point-of-sale (PoS) and e-commerce transactions. This consistent reward structure applies to a wide range of purchases, from online shopping to in-store retail, making it easy to accumulate points for future redemptions. The points have a validity of three years from the date of accrual, providing ample time to use them effectively.
  • Complimentary Lounge Access: The card offers exclusive access to airport lounges, enhancing the travel experience for cardholders. Specifically, it provides two complimentary domestic lounge visits per quarter and two international lounge visits annually. This feature caters to frequent travelers, offering a comfortable and relaxing environment at select airports across India and abroad.
Bank of Baroda Premier Credit Card
    • Comprehensive Insurance Coverage: The Canara Bank RuPay Select Credit Card includes robust insurance benefits. It offers personal accidental death insurance of up to ₹10 lakhs, covering air accidents (₹8 lakhs for the primary cardholder and ₹4 lakhs for the spouse) and other accidents (₹4 lakhs for the primary cardholder and ₹2 lakhs for the spouse). Additionally, it provides baggage insurance and purchase protection, each up to ₹25,000, safeguarding cardholders against unexpected losses.
    • Cash Withdrawal Facility: Cardholders can withdraw cash up to 50% of their credit limit, with a maximum of ₹50,000 per billing cycle, through Canara Bank ATMs or other networked ATMs. This feature provides financial flexibility for emergencies, although a cash advance fee of 3% (minimum ₹30) applies, along with a 2.5% monthly interest rate on the withdrawn amount.
    • Interest-Free Credit Period: The card offers an interest-free credit period ranging from 20 to 50 days, depending on the billing cycle and transaction date. This allows cardholders to make purchases without immediate interest charges, provided the outstanding balance is paid in full by the due date, promoting responsible credit management.
    • EMI Conversion Option: Through the Canara ai1 or Canara Saathi apps, cardholders can convert eligible purchases into easy equated monthly installments (EMIs). This feature is particularly useful for managing large-ticket purchases, allowing cardholders to spread payments over several months, making budgeting more manageable.
    • Global Acceptance with RuPay Network: Powered by the RuPay network, the card is widely accepted across India and can be activated for international usage through net banking, mobile banking, or by visiting a Canara Bank branch. This global compatibility ensures cardholders can use it for transactions worldwide, subject to activation.
    • Zero Liability Protection: The card provides zero liability protection for unauthorized transactions exceeding ₹1,000, provided the loss is reported promptly. This feature enhances security, giving cardholders peace of mind when using the card for online or offline purchases.
    • Concierge Services: The Canara Bank RuPay Select Credit Card offers 24/7 concierge services to assist with travel-related needs, such as hotel reservations, dining bookings, car rentals, and international travel planning. This premium feature adds convenience and elevates the cardholder’s lifestyle.
    • Low Interest Rate: Compared to many entry-level credit cards, the Canara Bank RuPay Select Credit Card offers a competitive interest rate of 2.5% per month (30% annually) on unpaid balances. This relatively low rate makes it easier for cardholders to manage carried-over balances, though timely payments are recommended to avoid interest charges.
    • Fuel Surcharge Waiver: The card provides a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000, with a maximum waiver of ₹100 per month. This feature benefits cardholders who frequently refuel their vehicles, reducing fuel-related expenses.
    • UPI Integration: The card supports UPI transactions, allowing cardholders to link it to UPI apps for seamless, contactless payments. This modern feature aligns with the growing popularity of digital payments in India, offering convenience for everyday transactions.
    • Contactless Payment Technology: Equipped with contactless payment technology, the card enables quick and secure transactions at compatible PoS terminals. This feature enhances convenience for small-value purchases, reducing the need for physical card swipes or PIN entry.
    • Add-On Card Facility: Cardholders can request add-on cards for immediate family members aged 18 and above, allowing them to share the credit limit and benefits. This feature is ideal for families looking to consolidate their spending while enjoying the card’s rewards and privileges.
    • Summary: The Canara Bank RuPay Select Credit Card delivers a well-rounded value proposition with travel perks, reward points, insurance protection, and digital convenience. It is an ideal solution for individuals seeking a premium experience without high annual costs.
Premier Card Benefits

Benefits of the Canara Bank RuPay Select Credit Card

  • Cost-Effective Financial Tool: As a lifetime free card, the Canara Bank RuPay Select Credit Card eliminates the burden of annual or joining fees, making it an economical choice for budget-conscious individuals. This benefit ensures cardholders can access premium features without worrying about recurring costs.
  • Rewarding Everyday Spending: The card’s reward program is a standout benefit, offering 2 reward points for every ₹100 spent on retail and online purchases. With each reward point valued at ₹0.25, cardholders can redeem points for a variety of options, including merchandise, services, or cashback, enhancing the value of their everyday spending.
  • Enhanced Travel Experience: The complimentary lounge access (two domestic visits per quarter and two international visits annually) is a significant perk for travelers. This benefit provides a luxurious experience at airports, offering a quiet space to relax, work, or enjoy refreshments, making travel more enjoyable.
    • Robust Insurance Protection: The comprehensive insurance coverage includes up to ₹10 lakhs for accidental death, ₹25,000 for baggage loss, and ₹25,000 for purchase protection.
    • Flexible Payment Options: Cardholders can manage large purchases through EMI conversion, spreading payments over time. With a 20–50 day interest-free credit period, this feature allows for better budgeting.
    • Emergency Cash Access: The card allows cash withdrawal up to 50% of the credit limit (maximum ₹50,000 per cycle), providing a financial cushion during emergencies. Note that fees and interest charges apply.
    • Secure and Convenient Transactions: Contactless payments, UPI integration, and zero liability protection for unauthorized transactions ensure safe and seamless usage for daily purchases.
    • Global Usability: Compatible with the RuPay network and capable of international usage when activated, this card suits both domestic and global spenders, ensuring smooth payments abroad.
    • Exclusive Merchant Offers: Cardholders enjoy offers like ₹500 off at Croma, coupons from Apollo Pharmacy, and ₹100 discounts on the first two Snapdeal purchases—enhancing value for everyday expenses.
    • Low-Cost Fuel Transactions: A 1% fuel surcharge waiver (up to ₹100 monthly) lowers the cost of fuel purchases, benefiting regular commuters.
    • Concierge Support for Lifestyle Needs: 24/7 concierge assistance simplifies travel and lifestyle planning by helping with bookings, referrals, and more—ideal for busy individuals and travelers.
    • Family-Friendly Features: Add-on card options allow primary cardholders to extend benefits and credit limits to family members, encouraging shared financial management.
    • Competitive Interest Rates: With an interest rate of 2.5% per month on unpaid balances, the card remains affordable compared to many entry-level credit cards.
    • Building Credit Profile: This entry-level card is suitable for new users starting their credit journey. Responsible usage helps in building a solid credit history for future financial access.
    • Wellness and Lifestyle Perks: Access to RuPay’s wellness benefits such as discounts at select gyms and spas adds a health-focused dimension to the card’s lifestyle offerings.
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How to Apply for the Canara Bank RuPay Select Credit Card

  • Eligibility Criteria:
    • Age: Minimum of 18 years required for individual applicants.
    • Income: ₹3.34 lakh annual gross income for general applicants; ₹60,000 annual income and ₹4,000 net monthly salary for Canara Bank staff.
    • Credit Score: A good credit history and CIBIL score are essential for approval.
    • Banking Relationship: Existing customers with a good banking history are preferred.
  • Required Documents:
    • Identity Proof: PAN Card, Aadhaar Card, or Passport.
    • Address Proof: Aadhaar Card, Utility Bill, or Rental Agreement.
    • Income Proof:
      • Salaried: Last 3 months’ salary slips or bank statements.
      • Self-Employed: ITRs for the past 2 years and audited financials.
    • Photograph: Recent passport-size photographs.
    • Corporate Applicants: May require partnership deed, board resolution, or financial statements.
  • Branch-Based Application Process:
    • Visit the nearest Canara Bank branch. Use the official website or call customer care to find one.
    • Request the RuPay Select Credit Card application form from the bank staff.
    • Alternatively, download the form in English or Hindi from the Canara Bank website.
    • Fill in personal, contact, financial, and employment details accurately.
    • Submit the completed form with all required supporting documents.
  • Verification and Approval:
    • The bank will verify documents, check your CIBIL score, and assess your creditworthiness.
    • Processing and approval may take a few weeks based on eligibility and documentation.
  • Post-Approval Steps:
    • The credit card will be delivered to your registered address upon approval.
    • Activate your card via Canara ai1 mobile app, internet banking, or by visiting the branch.
    • Register for the Canara Rewardz program at to earn and redeem reward points.
  • Tips for Successful Application:
    • Maintain a good credit score by paying bills and EMIs on time.
    • Ensure all documents are accurate and up-to-date.

Eligibility Criteria for the Canara Bank RuPay Select Credit Card

  • Age Requirements:
    • Primary Cardholder: Must be between 21 and 60 years old.
    • Add-On Cardholders: Available for immediate family members; must be at least 18 years old.
  • Income Requirements:
    • Salaried Individuals: Net monthly salary of at least ₹25,000 or ₹3.34 lakh annual gross income.
    • Self-Employed Professionals: Minimum annual income of ₹3 lakh with valid proof of business/profession.
    • Canara Bank Employees: Annual income of ₹60,000 and minimum ₹4,000 net take-home monthly salary.
  • Employment Status:
    • Salaried: Must be employed with a reputed organization with consistent income flow.
    • Self-Employed: Should own a registered and running business or professional practice.
  • Credit History and Score:
    • Preferred Score: CIBIL score of 750 or higher for best approval chances.
    • No/Low Score: Applicants with no credit history or score below 700 may require additional financial assurance.
  • Nationality and Residency:
    • Indian Residents: Must provide valid Indian address proof (e.g., Aadhaar, utility bill).
    • NRIs: Eligible with valid passport, visa, or OCI/PIO card and Indian documentation.
  • Existing Relationship with Bank:
    • Having a savings account, fixed deposit, or loan account with Canara Bank enhances approval likelihood.
    • Positive transaction history and financial discipline with the bank are viewed favorably.
  • KYC Compliance:
    • PAN and Aadhaar cards are mandatory for identity and address verification.
  • Credit Discipline:
    • Applicants must not have recent loan defaults or missed EMIs/credit card payments.
  • Mobile and Email Verification:
    • Active mobile number and email ID required for OTPs and communication.
  • Document Authenticity:
    • All submitted documents must be current, accurate, and verifiable. Discrepancies may lead to rejection.
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Documents Required for the Canara Bank RuPay Select Credit Card

  • Identity Proof
    • PAN Card: Mandatory for all applicants for tax tracking and financial profiling.
    • Aadhaar Card: Widely accepted government-issued identity document.
    • Passport: Valid for both residents and NRIs; must not be expired.
    • Voter ID: Issued by the Election Commission of India for identity verification.
    • Driving License: Must be current and issued by a recognized authority.
  • Address Proof
    • Aadhaar Card: Must display current residential address.
    • Utility Bills: Electricity, water, or gas bills not older than 3 months.
    • Passport: Valid for confirming both identity and address.
    • Voter ID: Acceptable as proof of residence.
    • Rental Agreement: Registered agreement accepted for tenants.
    • Municipal Tax Receipt: Valid proof of property ownership or residence.
  • Salaried Individuals
    • Salary Slips: Last 2–3 months showing consistent income.
    • Bank Statements: Last 3–6 months showing salary credits.
    • Form 16: Annual income proof from the employer.
  • Self-Employed Individuals
    • Income Tax Returns (ITR): Last 2 years with income computation.
    • Profit & Loss Statements: Financial performance reports for the business.
    • Bank Statements: Last 6 months showing business transactions.
  • Additional Documents
    • NRIs: Valid passport, visa, and overseas address proof required.
    • Businesses: Board resolution, partnership deed, or MoA, along with audited financials for 3 years.
    • Canara Bank Employees: Employee ID card or salary certificate.
  • Application Form
    • Duly Filled Form: Must be correctly filled and signed by the applicant.
    • Accuracy Check: All personal, income, and contact details should match supporting documents.

Factors Affecting Canara Bank RuPay Select Credit Card Approval

  • Credit Score and History
    • A CIBIL score of 750–900 significantly boosts approval chances.
    • Canara Bank reviews repayment history, credit utilization, and number of recent inquiries.
    • Defaults, late payments, or excessive utilization may lead to rejection.
    • Maintain <30% credit utilization and avoid multiple applications to strengthen your score.
  • Debt-to-Income (DTI) Ratio
    • A DTI ratio below 40% is ideal, showing healthy credit management.
    • High debt obligations (loans, EMIs) can reduce approval chances.
    • Pay off loans or increase income to improve your DTI before applying.
  • Income Stability and Level
    • Salaried individuals with regular salary credits are preferred.
    • Self-employed applicants must show consistent income and business stability.
    • Submit proper income proofs and maintain steady bank transactions.
  • Number of Existing Credit Cards
    • Owning multiple cards with high balances can signal over-dependence on credit.
    • Pay off outstanding dues and keep usage low across existing cards before applying.
  • Relationship with Canara Bank
    • Existing customers with savings accounts or loans in good standing are favored.
    • Maintain regular transactions and a positive repayment history with the bank.
  • Application Accuracy and Documentation
    • Ensure all application details are accurate and consistent across submitted documents.
    • Discrepancies or incomplete forms may result in delays or rejections.
  • Tips to Improve Approval Chances
    • Pay off existing dues and maintain timely repayments for 6–12 months.
    • Lower your DTI ratio and avoid simultaneous credit applications.
    • Build a relationship with Canara Bank by opening a savings account or using their services.

Frequently Asked Questions (FAQs) – Canara Bank RuPay Select Credit Card

1. What is the Canara Bank RuPay Select Credit Card?
The Canara Bank RuPay Select Credit Card is a premium card offering lifestyle benefits like lounge access, insurance cover, reward points, and wellness privileges, powered by the RuPay network.
2. Who is eligible to apply for the Canara Bank RuPay Select Credit Card?
Indian residents aged 21 years and above with stable income, good credit history, and a satisfactory relationship with Canara Bank may be eligible. Final approval depends on internal bank policies.
3. Is there an annual fee for this credit card?
Yes, a joining or annual fee may apply based on the applicant profile and issuing branch. Some variants may be offered as lifetime free under promotional schemes.
4. What are the key benefits of the RuPay Select Credit Card?
Benefits include complimentary domestic lounge access, insurance, wellness offers, cashback, fuel surcharge waivers, and reward points on eligible transactions.
5. Does this card offer airport lounge access?
Yes, it offers access to select domestic airport lounges in India, usually limited to 2 complimentary visits per quarter.
6. What kind of insurance coverage is included?
The card typically includes personal accident insurance, air accident cover, and purchase protection. Coverage limits may vary.
7. Can I earn reward points on this credit card?
Yes, you earn reward points on eligible purchases, redeemable for lifestyle items, electronics, vouchers, and more.
8. How can I redeem my reward points?
Log in to the Canara Bank rewards portal or contact customer care to redeem points from a wide catalog of options.
9. Is this card accepted internationally?
Yes, it's accepted at RuPay Global partner locations. However, its acceptance is limited compared to Visa/Mastercard abroad.
10. What is the interest rate on the Canara RuPay Select Credit Card?
Interest typically ranges from 2.5% to 3.5% per month, based on your credit profile and bank policy.
11. Is there a fuel surcharge waiver?
Yes, a 1% fuel surcharge waiver is available on fuel transactions, subject to minimum and maximum transaction limits.
12. How can I apply for this credit card?
Apply online via the Canara Bank website or visit a nearby branch with required documents like PAN, ID proof, address proof, and income documents.
13. What are the charges for late payments or exceeding the credit limit?
Late payment and over-limit fees are applicable as per the bank’s schedule of charges. Refer to the latest tariff sheet for updated details.
14. Can I set transaction limits or temporarily block the card?
Yes, using Canara Bank’s net banking or mobile app, you can set usage limits and block/unblock the card when needed.
15. Whom do I contact for credit card support or loss of card?
Contact Canara Bank’s 24x7 customer support or visit your nearest branch. For card loss, block the card immediately through mobile/internet banking or by calling the helpline.

List of Canara Bank RuPay Select Credit Card Branches in Andhra Pradesh

  • Ichchapuram - Main Street
  • Rajam - Palakonda Road
  • Visakhapatnam - Dwaraka Nagar
  • Visakhapatnam - MVP Colony
  • Visakhapatnam - Gajuwaka
  • Anakapalle - Nehru Chowk
  • Pendurthi - Main Road
  • Madhurawada - NH-16
  • Visakhapatnam - Steel Plant
  • Visakhapatnam - Lawson’s Bay Colony
  • Visakhapatnam - NAD Kotha Road
  • Visakhapatnam - Akkayyapalem
  • Visakhapatnam - Simhachalam
  • Bheemunipatnam - Beach Road
  • Vizianagaram - Ring Road
  • Andhra Pradesh - Bobbili
  • Parvathipuram - Main Road
  • Salur - Market Road
  • Cheepurupalli - Anjaneyapuram
  • Gajapathinagaram - Bus Stand Road