Canara Bank RuPay Select Credit Card Review
The Canara Bank RuPay Select is a lifetime-free PSU RuPay card with lounge access, insurance and concierge, linkable to UPI. Here is the verified review.
- Lifetime-free
- Complimentary lounge access + insurance cover
- 2 RP per ₹100 on all spends
- UPI-linkable (RuPay); 24×7 concierge
- EMI conversion via Canara ai1 app
- Modest reward rate (₹0.25/point)
- No category accelerators
- Reward value depends on redemption
- RuPay acceptance limited abroad
- Best for Canara customers
Features & rewards
| Item | Detail |
|---|---|
| Fee | Lifetime-free |
| Credit limit | ₹1 lakh – ₹50 lakh |
| Rewards | 2 RP per ₹100 (₹0.25 each; valid 3 years) |
| Lounge | Complimentary access |
| Insurance | Personal accident & baggage |
| Extras | 24×7 concierge; EMI via Canara ai1; UPI-linkable |
Who this card is for
- Best fit: Canara customers who want a free card with lounges, insurance and UPI linkage.
- Skip if: you want category accelerators or a high reward rate.
How to apply & how to cancel
Apply: via canarabank.com or a branch. Cancel: contact Canara cards after clearing dues; redeem points first.
Final verdict
The Canara RuPay Select is a sensible lifetime-free PSU card — lounge access, insurance and UPI linkage at no cost. The flat 2 RP/₹100 keeps rewards modest, so value it for the lounges and zero fee rather than points.
Frequently asked questions
Is it free?
Yes — it’s a lifetime-free RuPay Select card.
How does it reward spends?
2 reward points per ₹100 (1 RP = ₹0.25), valid 3 years.
Does it offer lounge access?
Yes — complimentary lounge access, plus personal-accident and baggage insurance.
Can I link it to UPI?
Yes — being RuPay, it links to UPI for scan-and-pay.
Data current as of June 2026, cross-checked against Canara Bank and aggregators. Confirm current terms on canarabank.com before applying.