Equitas Selfe Credit Card
A ₹1,000-a-year Equitas card on Visa or RuPay: 2 reward points per ₹100 (worth ₹0.15 each as cashback), 5x on two chosen categories, two OTT memberships and one domestic lounge visit a quarter. Every figure below is copied from Equitas Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹1,000 plus GST MITC |
|---|---|
| Annual fee | ₹1,000 plus GST MITC |
| Annual fee waiver | On ₹2,40,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| The joining fee is reversed on ₹60,000 of spend within 90 days, and the renewal fee waived on ₹2.4 lakh in the previous card year. A limited-period offer makes the first year free. A metal card carries an extra charge. | |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.15 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends: 2 points per ₹100 (5x on two chosen categories, not priced here) | 2 points per ₹100 Product page | no cap on record |
Points accrue on multiples of ₹100. Grocery and utility points are capped at 2,000 a month each.
No rewards on
Benefits
- Lounges: One complimentary domestic lounge visit a calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹3,000, up to ₹250 a statement cycle Product page
Also on this card
Quoted from Equitas Small Finance Bank; not counted in the net value.
- 5x reward points (10 per ₹100) on two categories you choose from apparel, dining, grocery, utility and taxi (apparel and dining by default) Product page
- Two complimentary memberships from platforms such as Amazon Prime, JioHotstar, SonyLIV or Zee5, on fee payment or spend milestones Product page
Eligibility
- Annual income of ₹5 lakh to ₹18 lakh Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Equitas Small Finance Bank in the documents read
- whether the RuPay variant works on UPI
- age criteria
The quotes behind the figures
24 figures, each copied from an official Equitas Small Finance Bank document.
Show every quote and source
“Selfe ₹ 1,000 ₹ 1,000 Selfe Secured”
“Spend Rs. 2,40,000 in the previous anniversary year to get your renewal fee waived.”
“Foreign Transaction Mark-up 3.50%^^”
“The value of each reward point varies by redemption type, with travel, vouchers, and catalogue redemptions valuing ₹0.35 per point, while cashback and instant redemption value ₹0.15 per point.”
“Earn 2 Reward Points for every Rs 100 spent, rewarding you on everyday transactions”
“Reward Points will be earned for transaction amounts in multiples of ₹100, residual amounts or transactions below ₹100 will not earn Reward Points.”
“Reward Points will also not accrue on transactions for Rent, Wallet Load, EMI, Fuel, Cash Advances, Government (on Consumer Retail Cards) and Education (on Business Retail Cards).”
“The fees may vary for each Cardmember, and from offer to offer.”
“Annual Fee: Rs.1000 | Additional Charges applicable for Metal variant.”
“Limited Period Offer: Get Your First Year Free Selfe Card today Excluding GST.”
“For Selfe Credit Card – The joining fee will be reversed if you spend ₹60,000 within 90 days from the card open date (not applicable for FYF and LTF card), as per the defined eligibility criteria.”
“In case no selections are made, the default options will be assigned as follows: Billing Cycle – 12th, Card Design – Regular, Memberships – Amazon Prime and Jio Hotstar, 5X Reward Categories – Apparel and Dining, and Card Network – RuPay”
“For Selfe card, the applicable spend milestones for memberships are Rs.60,000 in first 3 months for 1st year and Rs.2,40,000 annually from 2nd year onwards”
“No, transactions such as fuel, rent, wallet loads, government payments, cash advances, and EMI conversions are excluded from earning reward points unless specified otherwise.”
“Reward Points earned on Grocery and Utility transactions will be capped at 2000 reward points per month for each category.”
“Yes, a minimum of 500 reward points is required for redeeming points as cashback against your card statement.”
“Yes, a redemption fee of ₹99 per transaction will be charged whenever reward points are redeemed.”
“Enjoy one complimentary domestic lounge access per calendar quarter”
“Fuel Surcharge Waiver: Save more with a 1% waiver on fuel transactions across India (up to Rs. 250 per statement cycle on transactions between Rs. 500 and Rs. 3,000).”
“Earn 5X rewards on 2 out of 5 categories that matter to you: Apparel, Dining, Grocery, Utility and Taxi”
“Choose 2 complimentary memberships from top platforms like Amazon Prime, Jio Hotstar, Sony Liv, or Zee5”
“Eligibility: Annual Income of Rs.5L - Rs.18L”
“Apply Now Refer & Earn”
“Choose between Visa & RuPay for seamless payments”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Equitas Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Equitas Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology