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Canara Bank RuPay Select Credit Card vs PNB RuPay Select Credit Card

Compare Canara Bank RuPay Select Credit Card and PNB RuPay Select Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

Canara Bank RuPay Select Credit Card vs PNB RuPay Select Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 12, 2026
Canara BankCanara Bank RuPay Select Credit Card

Canara customers who want a zero-annual-fee RuPay premium card with both domestic and international lounge quotas.

Annual fee
Nil annual fee; a separate ₹300 inactivity fee applies if annual card turnover is below ₹1 lakh.
Reviewed
September 12, 2026
Evidence
2 issuer sources
Open card research
Punjab National BankPNB RuPay Select Credit Card

PNB customers who want a stronger RuPay rewards/lifestyle package and can satisfy the simple quarterly-use fee-waiver condition.

Annual fee
₹750 + applicable taxes
Reviewed
September 9, 2026
Evidence
6 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

littleden.blog · Comparison research sheet

Canara Bank RuPay Select Credit Card vs PNB RuPay Select Credit Card

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/canara-rupay-select-credit-card-vs-pnb-rupay-select-credit-card/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

Canara Bank RuPay Select Credit Card

Annual fee
Nil annual fee; a separate ₹300 inactivity fee applies if annual card turnover is below ₹1 lakh.
Fee waiver
There is no annual membership fee to waive; the separate ₹300 inactivity fee is avoided when annual turnover reaches ₹1 lakh under the current product page.

PNB RuPay Select Credit Card

Annual fee
₹750 + applicable taxes
Fee waiver
Annual fee waived when the card was used at least once in each quarter of the preceding year
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

Canara Bank RuPay Select Credit Card

Reward rules
2 reward points per ₹100 on purchases/payments, with each point currently valued at ₹0.25. Current RuPay Select benefits also include limited cashback on eligible utility and restaurant spend.

Recorded cautions

  • The zero annual fee coexists with a ₹300 inactivity fee below the ₹1 lakh annual-turnover threshold.
  • NPCI merchant/concierge benefits can change independently of Canara's core card terms.
  • RuPay branding does not by itself prove every UPI reward/merchant treatment; use current card-on-UPI rules for UPI transactions.

PNB RuPay Select Credit Card

Reward rules
2 PNB Reward Points per ₹150 on eligible spend, plus 300 Reward Points on the first qualifying retail/online transaction within 90 days

Recorded cautions

  • A single use in each quarter is the published annual-fee waiver test; missing a quarter can change the economics.
  • Reward-point cash value should be taken from PNB’s latest notice, not older rewards-page copy.
  • Lifestyle and lounge partner benefits can change independently of the base card.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

Canara Bank RuPay Select Credit Card

Lounge conditions
2 complimentary domestic lounge visits per quarter and 2 complimentary international lounge visits per year under the current product page.
Forex costs
Up to 3% markup on foreign-currency transactions under the current Canara fee table.
Eligibility
Current product page states independent income with minimum gross annual income of ₹10 lakh for individuals; approval remains at Canara Bank discretion.

PNB RuPay Select Credit Card

Lounge conditions
PNB lists complimentary domestic and international lounge access, alongside concierge and RuPay lifestyle benefits
Forex costs
3.50% foreign-currency markup over the network conversion rate
Eligibility
PNB’s general eligibility table places RuPay Select at a ₹5 lakh minimum annual income, subject to age, documentation and underwriting
Other maintained comparisons for Canara Bank RuPay Select Credit CardOther maintained comparisons for PNB RuPay Select Credit Card
Shared research themes
Rewards Credit CardsAirport Lounge Credit CardsRuPay / UPI Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

On a small screen, scroll this table sideways. The factor column stays visible.

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Credit-card terms side by side for Canara Bank RuPay Select Credit Card and PNB RuPay Select Credit Card
Decision factorCanara Bank RuPay Select Credit CardPNB RuPay Select Credit Card
Joining feeNil enrolment fee under the current Canara product page.₹500 + applicable taxes
Annual feeNil annual fee; a separate ₹300 inactivity fee applies if annual card turnover is below ₹1 lakh.₹750 + applicable taxes
Fee waiverThere is no annual membership fee to waive; the separate ₹300 inactivity fee is avoided when annual turnover reaches ₹1 lakh under the current product page.Annual fee waived when the card was used at least once in each quarter of the preceding year
Rewards2 reward points per ₹100 on purchases/payments, with each point currently valued at ₹0.25. Current RuPay Select benefits also include limited cashback on eligible utility and restaurant spend.2 PNB Reward Points per ₹150 on eligible spend, plus 300 Reward Points on the first qualifying retail/online transaction within 90 days
Lounge2 complimentary domestic lounge visits per quarter and 2 complimentary international lounge visits per year under the current product page.PNB lists complimentary domestic and international lounge access, alongside concierge and RuPay lifestyle benefits
Forex markupUp to 3% markup on foreign-currency transactions under the current Canara fee table.3.50% foreign-currency markup over the network conversion rate
NetworkRuPay Select.RuPay Select
Eligibility / approvalCurrent product page states independent income with minimum gross annual income of ₹10 lakh for individuals; approval remains at Canara Bank discretion.PNB’s general eligibility table places RuPay Select at a ₹5 lakh minimum annual income, subject to age, documentation and underwriting
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

Canara Bank

Canara Bank RuPay Select Credit Card

  • The zero annual fee coexists with a ₹300 inactivity fee below the ₹1 lakh annual-turnover threshold.
  • NPCI merchant/concierge benefits can change independently of Canara's core card terms.
  • RuPay branding does not by itself prove every UPI reward/merchant treatment; use current card-on-UPI rules for UPI transactions.
Punjab National Bank

PNB RuPay Select Credit Card

  • A single use in each quarter is the published annual-fee waiver test; missing a quarter can change the economics.
  • Reward-point cash value should be taken from PNB’s latest notice, not older rewards-page copy.
  • Lifestyle and lounge partner benefits can change independently of the base card.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

Canara Bank

Canara Bank RuPay Select Credit Card

2 issuer sources8/8 core fields confirmedReviewed September 12, 2026
Issuer product pageIssuer product page

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
Punjab National Bank

PNB RuPay Select Credit Card

6 issuer sources8/8 core fields confirmedReviewed September 9, 2026
Issuer product pageFee / charge scheduleMITC / controlling terms

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

Canara Bank RuPay Select Credit Card

Reviewed September 12, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://www.canarabank.bank.in/rupay-select-credit-card
  2. Issuer product pagehttps://www.canarabank.bank.in/credit-cards

PNB RuPay Select Credit Card

Reviewed September 9, 2026 · 6 attached first-party sources

  1. Issuer product pagehttps://pnbcard.in/types6.html
  2. Fee / charge schedulehttps://pnbcard.in/Documents/pnb_sofc.pdf
  3. MITC / controlling termshttps://pnbcard.in/PDF/MITC.pdf
  4. Reward / value termshttps://pnbcard.in/rewards.html
  5. Eligibility criteriahttps://pnbcard.in/Documents/HowToApplyNew.pdf
  6. Issuer documenthttps://pnbcard.in/Documents/KeyFactStatement.pdf