Canara Bank RuPay Select Credit Card Review

Canara RuPay Select Credit Card is a basic credit card from Canara Bank, it is free of cost credit card for those who want to low cost credit card with a higher credit limit. This card also offers some benefits and features like reward benefits, higher credit limits, Insurance coverage, and lots more. 

Eligibility Criteria:

** Although the bank has not mentioned the eligibility criteria for the card, but as per our experience, we can say that it should be like this. 

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹1 lakh annually. 
  • For self-employed person:
    • Age: 21 to 60 yrs. 
    • Income: ₹1 lakh annually. 
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: None. 


  • Reward benefit:

This card offers 2 reward points for each ₹100 transactions made with this card. 

  • Zero joining and annual fee:

This card is completely free you don’t need to pay any joining and annual fee for this card. 

  • Higher Credit Limit:

With this card, you will get a credit limit of up to ₹25 lakh.

  • Cash withdrawal limit:

With this card, you can withdraw cash from ATMs whenever you want. You can withdraw up to 50% of your total credit limit. (Max ₹50,000)

  • Revolving facility:

If your monthly card bill is too high you can just pay 5% of your card bill and the rest of the amount will cost you a 2.5% interest rate monthly. 

  • Insurance coverage:

This card comes with ₹10 lakh coverage against accidental deaths, and permanent disability caused by accident. 

  • Add-on facility:

You can share the benefits of your card with your loved ones, you just have to add your loved ones (age – 18+) with your card as add-on members with your card and they can enjoy the benefits of having a credit card.

  •   Security:

This card comes with the EMV chip and PIN security, which adds more security to your transactions. 


  • Cash Withdrawal Charge: 3% against the amount min ₹300 per ₹1,000 withdrawal. 
  • Finance Charge: 2.5% monthly. 
  • Foreign currency transaction: 3% against the transaction amount. 

Contact Details:

Call: 1800-425-0018

Mail: [email protected] 

100xGain Ratings:


Final Opinion:

If you want a credit that can you a big credit limit then this card can be an option for you. It offers a higher withdrawal limit, insurance coverage, add-on facility, revolving facility, lifetime free card, and lots more. This card is best for use as a secondary credit card. 

But if you want to earn benefits from your card then I would not recommend you this card. instead, if you want a free credit card then you can go for Kotak Mahindra Wealth Management Infinite Credit Card, and if you want a secured credit card then you can go for BOB Prime Credit Card.

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: