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Canara Bank RuPay Select vs Union Bank Nexteria (RuPay Ekaa)

Compare Canara Bank RuPay Select vs Union Bank Nexteria (RuPay Ekaa) across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Canara Bank RuPay Select has the strongest mix of rewards and low fees in this comparison.

Card 1

Canara Bank RuPay Select

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.2.5

Card 2

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
Canara Bank RuPay Select - CANARA credit card
No-fee value2.5

canara / RUPAY

Canara Bank RuPay Select

Annual

₹0

Return

1%

Lounges

0

Forex

3.5%

Card summary
  • Canara Bank RuPay Select leans reward-led with ₹0 annual fee, 1% headline return potential, and 0 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 1% reward rate can outperform flat cashback for loyal users.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Low ownership cost with upside from recurring spends.

Full card details
Union Bank Nexteria RuPay Ekaa
Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

1%

Lounges

Unlimited

Forex

3.5%

Card summary
  • Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,499 annual fee.
  • 1% cashback keeps value easy to understand.
  • Unlimited lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Higher ₹25,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
Metric
Canara Bank RuPay Select
Union Bank Nexteria (RuPay Ekaa)
Fees
Annual fee
₹0
₹12,499
Joining fee
₹0
₹12,499
Rewards
Cashback rate
0.25%
1%
Reward rate
1%
1%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
0
Unlimited
International lounges
0
Unlimited
Benefits
Fuel waiver
Yes
No
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹1,00,000
₹25,00,000

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