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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 6/16 categories
Canara Bank · RuPay

Canara Bank RuPay Select Secured Credit Card

Best forUtilities & Dining
Earns5% cashback on utilities
1st Year / Joining Fee
₹0
Renewal Fee
Not recorded
Fee waiver
₹1,00,000
annual spend
Network
RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on utilities and dining, where it earns 5% cashback

How you earn

Reward rates at a glance — exactly as recorded for this card.

Utilities5% cashback
Dining5% cashback
Groceries2 RP/₹100
Shopping2 RP/₹100
Travel2 RP/₹100
All 16 reward categories · 6 of 16 categories verified
CategoryRateCapCondition
Rent——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Education——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Insurance——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Utilities5% cashback₹50 per month5% utility bill cashback capped at ₹50/month per NPCI RuPay Select program
Details
Status
Verified
Source
CAN-SRC-003
Issuer note
5% utility bill cashback capped at ₹50/month per NPCI RuPay Select program.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel purchases strictly excluded from reward points earning.
Groceries2 RP/₹100—2 Reward Points per ₹100 spent on POS / E-Commerce (0.50% base reward)
Details
Status
Verified
Source
CAN-SRC-003
Issuer note
2 Reward Points per ₹100 spent on POS / E-Commerce (0.50% base reward).
Dining5% cashback₹50 per month5% cashback on eating places & restaurants capped at ₹50/month per NPCI RuPay Select program
Details
Status
Verified
Source
CAN-SRC-003
Issuer note
5% cashback on eating places & restaurants capped at ₹50/month per NPCI RuPay Select program.
Food Delivery——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Shopping2 RP/₹100—2 Reward Points per ₹100 spent on POS / E-Commerce (0.50% base reward)
Details
Status
Verified
Source
CAN-SRC-003
Issuer note
2 Reward Points per ₹100 spent on POS / E-Commerce (0.50% base reward).
Travel2 RP/₹100—2 Reward Points per ₹100 spent on POS / E-Commerce (0.50% base reward)
Details
Status
Verified
Source
CAN-SRC-003
Issuer note
2 Reward Points per ₹100 spent on POS / E-Commerce (0.50% base reward).
Government——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Wallet——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Railways——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
FASTag——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Jewellery——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.
Telecom——Research pending
Details
Status
Research pending
Issuer note
Unresolved category treatment remains PENDING; fallback to DEFAULT-BASE strictly prohibited.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Renewal Fee
Not recorded
Fee waiver
₹1,00,000
annual spend
Reward caps
  • Utilities — ₹50 / month (per category — Utilities)
  • Dining — ₹50 / month (per category — Dining)

Key benefits

Rewards
5% cashback on utilities
Lounge access
2 domestic lounges/qtr, 2 intl/yr
Fee waiver
Annual fee waived on ₹1,00,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Utilities rewards are capped at ₹50 / month (per category — Utilities)
  • Dining rewards are capped at ₹50 / month (per category — Dining)
  • No reward on: Fuel
  • Research pending: Rent, Education, Insurance, Food Delivery +6 more — not counted

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in utilities, dining, groceries
△ Less useful if
  • Much of your spending is in fuel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 2 caps · 1 no-reward categories
Caps
  • Utilities — ₹50 / month (per category — Utilities)
  • Dining — ₹50 / month (per category — Dining)
Categories with no reward or not eligible
  • Fuel — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to Canara Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: RuPay
  • Airport lounge: 2 domestic lounges/qtr, 2 intl/yr
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 12 areas

12 areas need further verification. None of these are counted as zero.

  • • Rent — research pending
  • • Education — research pending
  • • Insurance — research pending
  • • Food Delivery — research pending
  • • Government — research pending
  • • Wallet — research pending
  • • Railways — research pending
  • • FASTag — research pending
  • • Jewellery — research pending
  • • Telecom — research pending
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-27

Verification coverage: 6 of 16 categories verified · 10 still being verified

Card record last checked: 2026-09-27

Documents used
Canara Bank RuPay Select Secured Credit Card Product Page · CAN-SRC-003 · 2026-09-27
Canara Bank Credit Card Variants & Features Comparison (2026) · CAN-SRC-001 · 2026-09-27
Canara Bank RuPay Select Secured Credit Card₹0 1st year