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Canara Bank RuPay Classic Credit Card
Canara Bank's entry RuPay Classic is a straightforward first card for existing account holders: no joining or annual fee, a flat 2 points per ₹100 (0.5%), and a fuel surcharge waiver. A ₹100 inactivity fee applies if you spend less than ₹12,000 in a card year.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in utilities, fuel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: Not offered on this card
- International lounge access: Not offered on this entry-tier card
- Golf: Not offered
- Insurance benefits: No complimentary insurance cover disclosed for this variant
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: No fee to redeem reward points via Canara RewardZ
- Foreign currency markup: 3%
- Fuel surcharge waiver: 1% surcharge waiver on fuel transactions of ₹400–₹5,000, capped monthly
- Cash advance charges: 3% of the withdrawal amount, subject to a minimum of ₹30 per ₹1,000
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
Pros
- + No joining or annual fee
- + Fuel surcharge waiver
- + Low ₹12,000 yearly spend avoids the inactivity fee
Cons
- − Very basic flat 0.5% reward structure
- − No lounge, travel or lifestyle benefits
- − RuPay-only acceptance limits some international use