Canara Bank Select Credit Card Review for Everyday Users

The Canara Bank Select Credit Card is available in 2 variants: RuPay Select and RuPay Secured Select, the latter backed by a fixed deposit.

The card offers up to 50 days of interest-free credit along with reward earnings on everyday spending. Cardholders also receive travel benefits such as lounge access, concierge support, insurance protection and cashback offers.

With simple features and no annual fee, it can be a practical option for building or managing credit.

Canara Bank Select Credit Card Benefits

To begin with, cardholders earn 2 reward points for every ₹100 spent and each point carries a value of ₹0.25. Additional partner discounts may also be available at select online and POS merchants.

Beyond reward earnings, the card also provides several travel, insurance and lifestyle benefits.

1. Lounge Access and Concierge Services

• 2 complimentary domestic lounge visits across 30 lounges in 11 cities per quarter in India.
• 2 international lounge visits per year across 500+ lounges in 300+ cities worldwide.
• 24×7 concierge services available for hotel reservations, dining bookings, travel planning, and car rental assistance.

2. Insurance and Protection Cover

• Air accident cover provides ₹8 lakh for the cardholder and ₹4 lakh for the spouse.
• Coverage for other accidents includes ₹4 lakh for the cardholder and ₹2 lakh for the spouse.
• The RuPay Select program also offers ₹10 lakh accidental insurance for death or permanent disability.
• Baggage insurance and purchase protection are available up to ₹25,000 each.
• Lost card liability protection applies once the card loss is reported.

3. Cashback Privileges

• Cardholders can receive 5% cashback on utility bill payments made online or at PoS terminals.
• The card also offers 5% cashback on spending at restaurants and eating places.

4. Welcome Benefits (Select Secured Variant)

• ₹500 Croma gift voucher on activation.
• Apollo Pharmacy discount coupon for eligible purchases.
• ₹100 Snapdeal discount on the first 2 transactions.

Canara Bank Select Credit Card Charges

Some transactions may include additional charges. Foreign currency spends attract up to 3% markup, while fuel purchases carry a 1% surcharge with eligible reimbursement.

Other applicable charges are listed below.

Must reads

Which Are the Best Business Credit Cards For Travel in India

• 24 Oct 25
• 14 mins

Lounge Access on Add-on Credit Cards in India

• 14 Oct 25
• 5 mins

Canara Bank Select Credit Card Eligibility

Before applying, it is important to understand who is eligible for the Canara Bank Select Credit Card. The bank has specific criteria related to factors such as income, employment status and creditworthiness. 

1. RuPay Select Credit Card: Available to individuals with an independent annual income of at least ₹10 lakh. The approved credit limit usually ranges between ₹1 lakh and ₹50 lakh.
2. RuPay Select Secured Credit Card: The credit limit can be up to 75% of the FD amount, with a minimum credit limit of ₹25,000, subject to the deposit value and bank guidelines.

💡Once you receive your card, timely bill payment becomes essential for smooth usage. Use the Pice App to check due dates, set reminders, and clear credit card bills quickly in a few simple steps. All from one single secure and compliant platform.

FAQs