Build your credit profile confidently with the security of a fixed deposit, while enjoying RuPay Select privileges and reliable everyday spending convenience.
Domestic + International lounge access
5% cash back offer of dining
Referral and Reservation Services
Enter your details to get started
| Benefit | Details |
|---|---|
| Lifetime Free | Zero joining and annual fees. |
| FD-Backed Approval | Issued against FD; income proof not required via FD route. |
| Domestic Lounge | 2 complimentary visits per quarter. |
| International Lounge | 2 complimentary visits per year. |
| Cashback Programme | 5% on utility bills and dining; ₹50 cap per category monthly. |
| Reward Programme | 2 points per ₹100 on POS/e-commerce (₹0.25 per point). |
| Insurance Coverage | Air accident ₹8L (self) / ₹4L (spouse); non-air ₹4L / ₹2L; purchase/baggage ₹25K. |
| Concierge Services | 24×7 hotel, dining, car rental, and travel assistance. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Canara Bank |
| Bank / Non-bank | Nationalised Bank |
| Category | Secured / Premium / Travel |
| Type of Card | Rupay Select Secured |
| Free or Paid | Lifetime Free (₹300 inactivity fee if annual turnover below ₹1,00,000) |
The Canara Bank Rupay Select Secured Credit Card is designed for individuals seeking premium lifestyle benefits without the credit scrutiny of an unsecured card. It combines FD-backed guaranteed approval with 24×7 concierge services, domestic and international lounge access, and 5% cashback on utilities and dining. This card serves professionals holding a fixed deposit who prefer converting idle savings into a premium credit facility. The ₹1,00,000 annual turnover requirement reflects a higher-spending audience, whilst zero annual fees make the comprehensive benefits genuinely cost-effective throughout the card's lifetime.
FD Collateral: Card issued against fixed deposit; credit limit is 75% of FD value with a minimum of ₹25,000.
Concierge Services: 24×7 support for hotel reservations, restaurant referrals, car rental, and international travel arrangements.
Global Acceptance: Accepted domestically and internationally; activate international usage via net banking, mobile banking, or branch.
Reward Redemption: Points redeemable at www.canararewardz.com for cashback or merchandise.
EMI Facility: Convert purchases through Canara ai1 app with flexible tenure options.
Standard Rate: 2 reward points per ₹100 on POS and e-commerce (₹0.25 value per point).
Dining: 5% cashback at restaurants, capped at ₹50 per month.
Platform: www.canararewardz.com for all redemption.
Options: Cashback against outstanding balance, merchandise catalogue, and gift vouchers.
Zero Costs: No joining or annual fees, lifetime-free from day one.
Instant Access: Lounge access, concierge services, and Rupay Select programme benefits activate immediately upon card activation.
The Canara Bank Rupay Select Secured Credit Card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹2,500, with a maximum waiver of ₹100 per statement cycle at all petrol pumps across India.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 | No charges. |
| Annual Fee | ₹0 | Lifetime free. |
| Enrolment Fee | ₹0 | No charges. |
| Criteria | Details |
|---|---|
Age | Minimum 18 & Maximum 75 years. |
FD Requirement | Active fixed deposit with Canara Bank. |
Credit Score | Not mandatory; FD acts as collateral. |
Residency | Indian resident. |
| Document Type | Details |
|---|---|
| Identity Proof | PAN, Aadhaar, Passport, DL, Voter ID. |
| Address Proof | Aadhaar, Passport, DL, Voter ID, utility bill. |
| Income Proof | Last 2 salary slips (salaried); latest ITR (self-employed), required for income-based route only. |
| FD Details | Fixed deposit account number and certificate. |
| Photographs | Passport-size. |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your Canara Bank Rupay Select Secured Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Cashback | Use for utility bills and dining to earn 5% cashback (₹50 cap per category monthly). |
Leverage Lounge Access | Enjoy 2 domestic quarterly visits and 2 international annual visits for premium airport comfort. |
Utilise Concierge Services | Use 24×7 concierge for hotel bookings, car rentals, and international travel planning. |
Maintain Annual Turnover | Keep annual spending above ₹1,00,000 to avoid ₹300 inactivity fee. |
Earn Rewards on Every Spend | Use for POS/e-commerce to earn 2 points per ₹100 redeemable at canararewardz.com. |
Pay Full Balance Monthly | Clear full statement balance to use 20-50 days interest-free credit. |
Convert Large Purchases | Use Canara ai1 app for EMI conversion on significant transactions. |
Activate International Usage | Enable via net/mobile banking before any overseas travel. |
The Canara Bank Rupay Select Secured Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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