Canara RuPay Select vs ICICI Platinum Chip
Side-by-side credit card comparison to help you choose the best one.
ICICI Platinum Chip
Why this card wins: Budget Users — 2 PAYBACK points per ₹100 on all spends
| Feature | ||
|---|---|---|
| Bank | Canara Bank | ICICI Bank |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹500 + GST | ₹199 + GST |
| Joining Fee | ₹500 + GST | ₹199 + GST |
| Rewards | 1 reward point per ₹100 spent | 2 PAYBACK points per ₹100 on all spends |
| Best For | Budget Users | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹15,000 - ₹1,50,000 |
| Welcome Benefit | None | None |
| Min Income | ₹12,000/month | ₹12,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 3.8 | 3.9 |
| Contactless | ||
| EMI Conversion |
Key Features
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
ICICI Platinum Chip
Budget Users
Visa • Entry Level
- Lowest annual fee ICICI card
- Fuel surcharge waiver
- Contactless payments enabled
- Easy upgrade path to Coral/Sapphiro
Verdict
Based on rating and overall value, ICICI Platinum Chip ranks highest among your selected cards. It excels at Budget Users and offers 2 PAYBACK points per ₹100 on all spends.
Frequently asked questions
Which is better: Canara RuPay Select or ICICI Platinum Chip?
ICICI Platinum Chip has the higher CardKhoj rating (3.9/5) and is best for budget users. 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: Canara RuPay Select and ICICI Platinum Chip?
ICICI Platinum Chip is cheaper to hold at ₹199 + GST, compared with ₹500 + GST for Canara RuPay Select.
Do Canara RuPay Select and ICICI Platinum Chip offer airport lounge access?
No. None of these cards include complimentary airport 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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