Canara Rupay Select credit card

[nitinmits]

Finally Canara Rupay Select credit card approved with wellness benefits. Card is LTF. Tried to apply online but no pre approved offers available so rejected. Then applied via branch. CIBIL hit done on 30.3.24 and card approved today with 1.50L limit. Delay in approval due to March ending and holidays.

 

[Anupama_Jha]

Their debit card charges are also weird. First year free/no issuance charges but if they are hotlisted/blocked, they take HOTLISTING charges of 590.

Ekdam sahi krte hai.

Some people applies Debit card every year for free and blocks them before completion of 12 months so that annual charges won't be imposed.

 

[anonymuos]

Ekdam sahi krte hai.

Some people applies Debit card every year for free and blocks them before completion of 12 months so that annual charges won't be imposed.

Then it's not really first "free", that's very deceptive wording because even if you block it in the 2nd year or 3rd year after paying annual fees of 590, they will again take 177 for hotlisting it. So the pricing is like: must always pay 590 every year from 2nd year onwards and 177 whenever you want to stop using it.

I had lots of FDs in Canara Bank which I leveraged (threatened to close and end all relationship) and got them to reverse all charges.

Btw how nice to see that you are on the bank's side in such ridiculous "hotlisting" charges.

 

[Anupama_Jha]

Btw how nice to see that you are on the bank's side in such ridiculous "hotlisting" charges.

I am not with the bank's but against the abusers of debit card.

Abuse krne ke liye cc bana to hai🤣😂

 

[chaks23]

Finally Canara Rupay Select credit card approved with wellness benefits. Card is LTF. Tried to apply online but no pre approved offers available so rejected. Then applied via branch. CIBIL hit done on 30.3.24 and card approved today with 1.50L limit. Delay in approval due to March ending and holidays.

Hi, I too tried to apply via branch but my application got rejected and they said that I have too many Credit Cards.

How many Cards you had before applying for this one?

 

[Itachi_UchihaItachi_Uchiha is verified member.]

Hi, I too tried to apply via branch but my application got rejected and they said that I have too many Credit Cards.

How many Cards you had before applying for this one?

I have query along the same lines. I have a total of 15 CCs which I procured mostly in last 4 months. Will this lead to rejection while I apply for Canara rupay select CC?

 

[TheGuy]

Will this lead to rejection while I apply for Canara rupay select CC?

No one knows as PSU (ex SBI-PNB- BoB) are nearly unexplored in TF (and in Indian CC market). Try and let us know.

I have a total of 15 CCs which I procured mostly in last 4 months

Just curious, what is the intended use of so many.. maybe see you here

 

[Itachi_UchihaItachi_Uchiha is verified member.]

No one knows as PSU (ex SBI-PNB- BoB) are nearly unexplored in TF (and in Indian CC market). Try and let us know.


Just curious, what is the intended use of so many.. maybe see you here

I mostly have it for bank offers and few for lounge access.

 

[pprakash11]

My Canara CC Success story:
Background: Holding 40+ Credit Cards.
CIBIL: 775+
Applied for: CANARA RUPAY SELECT

14th June 2024: Visited home branch with KYC docs, Form 16 & Last 3 months' pay slips. CIBIL Hit done.

15th June 2024: Application punched in system.

19th June 2024: Got Approval message just now.
"Dear Customer, we are glad to inform you that your credit card application CR19525XXXXX is approved. Dispatch details will be communicated after further processing. - Canara Bank"

PS: I have applied for 2 Add-On Credit Cards as well, will have to see if those are received as well with primary credit card.

 

[Itachi_UchihaItachi_Uchiha is verified member.]

My Canara CC Success story:
Background: Holding 40+ Credit Cards.
CIBIL: 775+
Applied for: CANARA RUPAY SELECT

14th June 2024: Visited home branch with KYC docs, Form 16 & Last 3 months' pay slips. CIBIL Hit done.

15th June 2024: Application punched in system.

19th June 2024: Got Approval message just now.
"Dear Customer, we are glad to inform you that your credit card application CR19525XXXXX is approved. Dispatch details will be communicated after further processing. - Canara Bank"

PS: I have applied for 2 Add-On Credit Cards as well, will have to see if those are received as well with primary credit card.

Awesome.. now this has given me confidence. Will open an account first and rightaway apply for CC as well!!

 

[pprakash11]

Awesome.. now this has given me confidence. Will open an account first and rightaway apply for CC as well!!

Open Canara SB SELECT.

Worth it 😁

 

[Itachi_UchihaItachi_Uchiha is verified member.]

Open Canara SB SELECT.

Worth it 😁

By what means you are saying it is worth? Any specific features this account variant has? Please guide

 

[pprakash11]

By what means you are saying it is worth? Any specific features this account variant has? Please guide

Refer this

Canara Bank SB Select | Premium Savings Account for Enhanced Banking

Discover Canara Bank SB Select, a premium savings account offering enhanced banking services and exclusive benefits. Explore this elite banking experience.

canarabank.com

Almost everything is free

 

[Itachi_UchihaItachi_Uchiha is verified member.]

Refer this

Canara Bank SB Select | Premium Savings Account for Enhanced Banking

Discover Canara Bank SB Select, a premium savings account offering enhanced banking services and exclusive benefits. Explore this elite banking experience.

canarabank.com

Almost everything is free

I think opening a normal 2k MAB account and opting for paid rupay select is a better choice atleast for my requirements…

 

[pprakash11]

I think opening a normal 2k MAB account and opting for paid rupay select is a better choice atleast for my requirements…

Yeah, since I already had 3 RUpay Selects I didn't go with that option

 

[TheGuy]

19th June 2024: Got Approval message just now.

Got PNB too? 2024 cc checklist complete.

Canara SB SELECT. Worth It.

No. Maybe for someone who uses this as primary PSB.

Yeah, since I already had 3 RUpay Selects I didn't go with that option

Any post w your experiences of these 3?

 

[pprakash11]

Got PNB too? 2024 cc checklist complete.

PNB will apply after filing ITR.
2024 Checklist pending
1. PNB
2. IDBI
3. Federal

No. Maybe for someone who uses this as primary PSB.

I didn't want to pay a penny for DC, so took.

Any post w your experiences of these 3?

I had written somewhere in detail and now I'm unable to find that post

 

[TheGuy]

I didn't want to pay a penny for DC, so took.

Locking up 25k. If PSB gives 3% (they don't) and FD-Liquid Fund gives 7%. Then loss is 4%. For 25k that would be 1k- essentially Select DC fee ( acc to website Plat is complimentary) and liquidity lock and bifurcation.

I understand the logic of it being only PSB and then keeping 25k or even 3L. 😛

2024 Checklist pending

all for bank offers only?
I want to get scapia- last year they were giving low limit to me hence didn't accept- now i understand certain banks are specially risk averse. PNB-Federal-SBM etc.

BTW for self employed what would be needed in place of salary slips that you used? if you got any idea.

 

[pprakash11]

Locking up 25k. If PSB gives 3% (they don't) and FD-Liquid Fund gives 7%. Then loss is 4%. For 25k that would be 1k- essentially Select DC fee ( acc to website Plat is complimentary) and liquidity lock and bifurcation.

I understand the logic of it being only PSB and then keeping 25k or even 3L. 😛

Yeah correct. Trust builds, then no 4% loss is visible 🤣🤣

all for bank offers only?

Yes. Federal already being handled by RM, PNB after ITR.
IDBI - they are moody 🤣🤣

I want to get scapia- last year they were giving low limit to me hence didn't accept- now i understand certain banks are specially risk averse. PNB-Federal-SBM etc.

Scapia isn't issuing as of now. Also except lounge, nothing fancy in scapia.
You'll then miss federal core card offers

BTW for self employed what would be needed in place of salary slips that you used? if you got any idea.

ITR & Bank Statements.

 

[pprakash11]

My Canara CC Success story:
Background: Holding 40+ Credit Cards.
CIBIL: 775+
Applied for: CANARA RUPAY SELECT

14th June 2024: Visited home branch with KYC docs, Form 16 & Last 3 months' pay slips. CIBIL Hit done.

15th June 2024: Application punched in system.

19th June 2024: Got Approval message just now.
"Dear Customer, we are glad to inform you that your credit card application CR19525XXXXX is approved. Dispatch details will be communicated after further processing. - Canara Bank"

PS: I have applied for 2 Add-On Credit Cards as well, will have to see if those are received as well with primary credit card.

Update:
Approved Card: RUPAY_SELECT

Also, they have accurately applied for 2 Add-Ons as well. (Different Card Nos 😍).
All three cards can be seen in app.

 

[SonyTom]

Update:
Approved Card: RUPAY_SELECT

Also, they have accurately applied for 2 Add-Ons as well. (Different Card Nos 😍).
All three cards can be seen in app.

Any joining fee / Renewal fee?