Canara RuPay Select Review 2026
Last reviewed:
Quick verdict
An ultra-budget card from Canara Bank with RuPay UPI support for seamless digital payments. The ₹5 Lakh personal accident insurance is a hidden gem at this rock-bottom price point. Primarily for existing Canara Bank customers who want basic credit card benefits without high annual fees.
Pros
- RuPay card — can be linked to UPI for scan-and-pay rewards
- Accessible eligibility — minimum income around ₹12,000/month
Cons
- 3.5% + GST forex markup makes it expensive abroad
- No complimentary airport lounge access
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
Fees & charges at a glance
| Joining Fee | ₹500 + GST |
|---|---|
| Annual Fee | ₹500 + GST |
| Rewards | 1 reward point per ₹100 spent |
| Welcome Benefit | None |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹12,000/month |
| Network | RuPay |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The Canara RuPay Select is best suited for budget users. It is a entry level card on the RuPay network, and Canara Bank generally looks for a minimum income of ₹12,000/month. If your spending matches its reward categories (1 reward point per ₹100 spent), the card can pay for its annual fee of ₹500 + GST. If not, a lifetime-free card may give you better net value.
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Canara RuPay Select: frequently asked questions
What is the annual fee of the Canara RuPay Select?
The Canara RuPay Select has a joining fee of ₹500 + GST and an annual fee of ₹500 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with Canara Bank.
What rewards does the Canara RuPay Select give?
1 reward point per ₹100 spent. RuPay UPI linkage supported. Fuel surcharge waiver up to ₹100/month.
Does the Canara RuPay Select offer airport lounge access?
No. The Canara RuPay Select does not include complimentary airport lounge access. If lounge access matters to you, look at travel cards in our best travel credit cards list.
What is the eligibility and minimum income for the Canara RuPay Select?
Canara Bank typically requires a minimum income of ₹12,000/month for the Canara RuPay Select, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the Canara RuPay Select?
The Canara RuPay Select charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the Canara RuPay Select?
The foreign currency markup on the Canara RuPay Select is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the Canara RuPay Select to UPI?
Yes. The Canara RuPay Select is a RuPay card, so you can link it to UPI apps such as Google Pay, PhonePe and Paytm and pay at merchant QR codes.
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