Canara RuPay Select vs ICICI Platinum Chip
Side-by-side credit card comparison to help you choose the best one.
Our Pick
ICICI Platinum Chip
3.9
Why this card wins: Budget Users — 2 PAYBACK points per ₹100 on all spends
| Feature | Canara RuPay Select | ICICI Platinum Chip |
|---|---|---|
| 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
Our Pick
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.