Canara RuPay Select vs PNB Rupay Platinum
Side-by-side credit card comparison to help you choose the best one.
PNB Rupay Platinum
Why this card wins: Budget Users — 2 reward points per ₹100 on all spends
| Feature | ||
|---|---|---|
| Bank | Canara Bank | Punjab National Bank |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹500 + GST | ₹299 + GST |
| Joining Fee | ₹500 + GST | ₹99 + GST |
| Rewards | 1 reward point per ₹100 spent | 2 reward points per ₹100 on all spends |
| Best For | Budget Users | 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 - ₹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-₹4,000 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
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Verdict
Based on rating and overall value, PNB Rupay Platinum ranks highest among your selected cards. It excels at Budget Users and offers 2 reward points per ₹100 on all spends.
Frequently asked questions
Which is better: Canara RuPay Select or PNB Rupay Platinum?
PNB Rupay Platinum 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 PNB Rupay Platinum?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹500 + GST for Canara RuPay Select.
Do Canara RuPay Select and PNB Rupay Platinum 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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