Zero-Cost Entry Point to Domestic RuPay Credit & Merchant Rewards
First-time cardholders seeking accessible credit limits and fuel surcharge waivers
Free
One-time upfront₹200
Waived on ₹25,000 annual spend2 RP for every ₹100
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Canara Bank RuPay Classic Credit Card is an ideal entry-level credit solution for first-time borrowers, students with fixed deposits, and budget-conscious individuals who want to build credit responsibly. The card's standout benefit is its ₹0 joining fee and nominal ₹200 annual fee, which is waived upon spending just ₹25,000 annually. Built on the indigenous RuPay payment rail, it can be linked directly to BHIM, Google Pay, or PhonePe, enabling cardholders to pay local merchants and neighbourhood kirana stores using credit on UPI. It also provides a 1% fuel surcharge waiver and complimentary accidental death insurance of ₹1,00,000. Key limitations include a modest credit limit, lack of travel or airport lounge benefits, and standard reward accumulation of 1 point per ₹100. However, as an economical daily transacting tool for everyday UPI payments, it represents exceptional accessibility and low operational costs.
2 RP for every ₹100
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| All Retail Spends | 2 Canara Rewardz points per ₹100 spent on retail & UPI (0.50% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| All Retail Spends | ₹30,000 | 2 Canara Rewardz points per ₹100 spent on retail & UPI (0.50% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹200
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for Canara Bank RuPay Classic Credit Card: • Joining & Annual Fee: ₹0 joining fee; ₹200 + GST annual renewal fee waived on annual spends of ₹25,000 or more. • RuPay UPI Integration: Fully linkable to all NPCI-approved UPI applications for credit QR payments at merchants. • Reward Accrual: Earn 1 Canara Rewardz point per ₹100 spent on retail and domestic online transactions. • Fuel Surcharge Relief: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 across domestic fuel pumps. • Finance Charges: 2.50% per month (30.0% annualized) on unpaid revolving balances. • Accidental Cover: Complimentary accidental death insurance cover up to ₹1,00,000 under the RuPay cardholder protection program.
Evaluate whether this card's perks and waiver threshold justify its ₹200 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Canara Bank RuPay Classic Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Canara Bank portal with paperless verification.
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