Everyday RuPay UPI Credit Card with Zero Annual Fee & Merchant Discounts
Users looking for effortless UPI QR payments, zero recurring annual fee, and public-sector banking reliability.
Free
One-time upfrontFree
Lifetime Free — no renewal feeEarn 2 reward points on every Rs. 100 spent on this card including on e-commerce transactions.
On eligible spends3.00% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Canara Bank RuPay Platinum Credit Card blends the widespread accessibility of India's indigenous RuPay network with Canara Bank's customer-friendly public sector banking terms. Offered with zero joining fee and zero annual fee for active cardholders, it is built for seamless digital integration. Cardholders can link the card directly to UPI apps like Google Pay, PhonePe, Paytm, and BHIM to execute instant QR code payments at local merchants, earning rewards on everyday retail purchases. Additionally, it offers complimentary personal accident life insurance cover of up to ₹2 Lakhs, 1% fuel surcharge waiver, and concessional interest rates starting from 2.95% per month. For budget-conscious digital spenders, the Canara Bank RuPay Platinum card represents a smart, low-maintenance payment asset.
Earn 2 reward points on every Rs. 100 spent on this card including on e-commerce transactions.
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 transactions (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 transactions (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₹0
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
• Eligibility: Salaried professionals with annual income over ₹2.5 Lakhs or self-employed with ITR over ₹2 Lakhs; age 21 to 65 years. • Joining & Annual Fee: ₹0 joining fee; ₹0 annual fee for active cardholders maintaining regular transaction usage. • UPI Payments: Seamlessly link to UPI applications (BHIM, PhonePe, Google Pay) for instant scan-and-pay QR merchant payments. • Rewards Structure: Earn 2 reward points per ₹100 on retail transactions with accelerated rewards on grocery and medical spends. • Insurance Protection: Complimentary personal accidental insurance cover up to ₹2 Lakhs. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (maximum waiver ₹150 per cycle). • Low Interest Rate: Concessional finance charges starting from 2.95% per month (35.4% annualized).
Evaluate whether this card's perks and waiver threshold justify its Free 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 Platinum 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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