Central Bank of India RuPay Select Credit Card

Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, utilities. It's worth the annual fee mainly if your points value clears it.

• Rewards rate: 3% base rate
• Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter (up to 8/year) at 11+ RuPay Select partner airports.
• International lounge access: Paid (not complimentary) international lounge access in 300+ cities via the RuPay Select programme.
• Insurance benefits: Personal accident insurance cover of ₹10 lakh (death and permanent total disability).

• 🍽️ Dining & food delivery

  5% reward rate (capped ₹50/monthly) · 24x7 concierge service for hotel, car rental, dining and travel bookings

• ✈️ Travel

  2 complimentary domestic lounge visits per quarter (11+ cities); paid international lounge access in 300+ cities

• 🏨 Hotel

  24x7 concierge service for hotel, car rental, dining and travel bookings

• 🛡️ Insurance

  Personal accident insurance cover of ₹10 lakh (death and permanent total disability)

• 🧾 Utilities

  5% reward rate (capped ₹50/monthly)

• ⛽ Fuel

  1% fuel surcharge waiver on transactions between ₹400 and ₹5,000

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Employment: salaried, self-employed
• Age: 18–65

• Foreign currency markup: 3.5%
• Interest rate: 35.88% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, standard across RuPay Select cards.

• ₹500 Croma gift voucher plus 15% off coupon at Apollo Pharmacy
• 2 complimentary domestic lounge visits per quarter (11+ cities); paid international lounge access in 300+ cities
• Personal accident insurance cover of ₹10 lakh (death and permanent total disability)
• 24x7 concierge service for hotel, car rental, dining and travel bookings
• 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000