Card Details
Rupay Select Credit Card
Monzy Score
6.5/ 10
Good for lounge-hungry travellers.
High 3.0% forex markup.
Card Issuer
Canara Bank
Joining Fee
₹599
Annual Fee
₹599
Reward Type
—
Card Access
Standard
Earn Points
5%
On Utility Bill Payments (max ₹50/Mo)
5%
Off on Restaurants (max ₹50/Mo)
4pts
/₹100 on Grocery & Supermarkets
2pts
/₹100 on All Other Retail Categories
Benefits
2 Intl Lounge Visits/Yr
- 2 Domestic Lounge Visits/Yr
₹10L Air Accident Insurance
- ₹2L Personal Accident Insurance
- Zero Lost Card Liability
- ₹8L Air Death (Self), ₹4L Spouse
- ₹4L Non-air Death (Self), ₹2L Spouse
- ₹10L Death & Disability Cover
- ₹25K Baggage Insurance
- ₹25K Purchase Protection
4 Pts/₹100 Dining
24×7 Concierge: Hotels, Dining, Travel
1% Fuel Waiver
1 Complimentary Golf/Yr
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel
Estimated Returns
All spends
4RP/100
₹300
Utility bill payment
flat 50/mo
₹50
Mobile wallet load
flat 50/mo
₹50
IRCTC bookings
25
₹25
Total Annual Return
₹5,100
1.42% Effective ROIWhat Users Are Saying
Community Feed
Aug 2025
“Anyone Using Union Bank RuPay Select Credit Card”
by r/CreditCardsIndia, Aug 2025
“Rupay select debit card benifits”
by r/CreditCardsIndia, Nov 2025
“Thanks to Rupay Select”
by r/CreditCardsIndia, Jul 2025
“Rupay Select Debit Card Issuing Bank & Charges”
by r/CreditCardsIndia, Jul 2025
“Best RuPay CC?”
by r/CreditCardsIndia, Jul 2024
Frequently Asked Questions
The Rupay Select Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because Canara Bank prices some variants differently.
Things to Keep in Mind
The 5% reward rate on Utility Bill Payments is limited at ₹50 per month, limiting the benefit to the first ₹1,000 of spending.
The 5% reward rate on Eating Places & Restaurants is limited at ₹50 per month, limiting the benefit to the first ₹1,000 of spending.
