Question 1

What is the annual fee on the Rupay Select Secured Credit Card and how do you get it waived?

Accepted Answer

The Rupay Select Secured 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.

Question 2

How much cashback does the Rupay Select Secured Credit Card give?

Accepted Answer

You get 5% back on Utility Bill Payment Services, capped at ₹50 a month. Other eligible spends earn 2%. On ₹10,000 of spend in the top category that is ₹50 back, so about ₹600 a year if you hit it every month.

Question 3

Does the Rupay Select Secured Credit Card give free airport lounge access?

Accepted Answer

The Rupay Select Secured Credit Card gives 2 complimentary domestic lounge visits a year. International lounge visits are capped at 2 a year. There is no prior spend requirement on paper, though Canara Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the Rupay Select Secured Credit Card recently and is it still worth it in 2026?

Accepted Answer

No card specific cut has been announced, though Canara Bank has been trimming rewards across its portfolio. It costs nothing to hold, so keep it as a backup card and stop treating it as your main one if your top category no longer earns.

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Rupay Select Secured Credit Card

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