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REWARD POINTS CARD

Rupay Platinum Credit Card

Canara Bank

Reward points on POS and e-commerce spends, an interest-free period of up to 50 days and domestic lounge access at selected lounges, with a nil annual, joining and enrolment fee.

Inactivity fee applies if annual card turnover is below ₹50,000. Late payment fee is ₹250 + GST and forex markup is up to 3%. Fuel surcharge reimbursement needs ₹2,500 monthly purchases. Charges exclude GST.

Rupay Platinum Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
2 Reward Points per ₹100 spent on POS / e-commerce transactions
BEST FOR
Included: Spenders who mainly use the card at POS terminals and online and may use domestic airport lounges
Included: May suit spenders who mostly pay at POS terminals and online and want reward points
Included: May suit those who want a card with nil annual, joining and enrolment fee
Included: May suit occasional domestic travellers wanting limited lounge visits
Limitation: Cardholders who may not reach ₹50,000 annual turnover (inactivity fee applies) may wish to compare other cards.
Limitation: Those who want a published rupee value per reward point or accelerated category rewards may wish to compare other cards.
Limitation: Those who expect to spend under ₹50,000 a year on the card may wish to compare other cards.
Limitation: Those wanting international lounge access may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Inactivity fee of ₹200 applies if annual turnover on the card is below ₹50,000.
Condition: Cash withdrawal limit is 50% of credit limit or ₹50,000, whichever is lower; ₹30 per ₹1,000 withdrawn.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
No annual fee
Fee waived at
Not stated
Forex markup
3%
Finance charge
2.5% per month
Cash withdrawal fee
3% of the amount, minimum ₹150
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Recorded — count not stated — 2 per quarter and maximum of 4 per year · Available at selected lounges
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% surcharge (min ₹10 + taxes) reimbursed up to ₹100 per billing month if ₹2,500 monthly purchases and ₹400 per fuel ticket
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 2 Reward Points per ₹100 spent on POS / e-commerce transactions
Included: Easy EMI conversion through the Canara ai1 app; cash withdrawal and other non-financial ATM services
Included: Fraudulent charge cover of ₹5,00,000, baggage insurance up to ₹25,000 and a purchase protection cover
Included: Accident cover for card holder and spouse: air accident ₹8 lakh self / ₹4 lakh spouse; other ₹4 lakh self / ₹2 lakh spouse
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.