BoB Select vs Canara RuPay Select
Side-by-side credit card comparison to help you choose the best one.
BoB Select
Why this card wins: Everyday Spending — 2 reward points per ₹100 spent
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | Canara Bank |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹499 + GST | ₹500 + GST |
| Joining Fee | ₹499 + GST | ₹500 + GST |
| Rewards | 2 reward points per ₹100 spent | 1 reward point per ₹100 spent |
| Best For | Everyday Spending | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 500 reward points on first spend | None |
| Min Income | ₹15,000/month | ₹12,000/month |
| Lounge Access | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 3.8 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
Verdict
Based on rating and overall value, BoB Select ranks highest among your selected cards. It excels at Everyday Spending and offers 2 reward points per ₹100 spent.
Frequently asked questions
Which is better: BoB Select or Canara RuPay Select?
BoB Select has the higher CardKhoj rating (4/5) and is best for everyday spending. Canara RuPay Select is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and Canara RuPay Select?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹500 + GST for Canara RuPay Select.
Do BoB Select and Canara RuPay Select offer airport lounge access?
BoB Select: 2 domestic per year. Canara RuPay Select: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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