Canara RuPay Select vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
SC Ultimate
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ||
|---|---|---|
| Bank | Canara Bank | Standard Chartered |
| Card Type | Entry Level | Super Premium |
| Annual Fee | ₹500 + GST | ₹5,000 + GST |
| Joining Fee | ₹500 + GST | ₹5,000 + GST |
| Rewards | 1 reward point per ₹100 spent | 3.33% rewards value on all spends |
| Best For | Budget Users | Luxury Travel |
| 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 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | None | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹12,000/month | ₹1,00,000/month |
| Lounge Access | None | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 3.8 | 4.7 |
| 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
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.
Frequently asked questions
Which is better: Canara RuPay Select or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. 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 SC Ultimate?
Canara RuPay Select is cheaper to hold at ₹500 + GST, compared with ₹5,000 + GST for SC Ultimate.
Do Canara RuPay Select and SC Ultimate offer airport lounge access?
Canara RuPay Select: no complimentary lounge access. SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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