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Canara Bank Rupay debit card reward points for credit card payments

Apply For Lifetime Free IDFC First Credit Card
Asking wrt to Canara Rupay Select DC
insight said:
Any way one can EXIT the Annual Fee at End of Year by closing off Account before it applies?

Is there a closing penalty/ fee?

Also, how soon does the Virtual DC show up and can you use it for PRIME before mailed kit arrives?
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