Travel on Points
Equitas Small Finance Bank

Equitas Bank Selfe Credit Card

  • Joining fee

    First Year Free (LIMITED TIME OFFER)

  • Annual fee

    ₹1,000 + GST

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    2RPs/₹100 Spent & 5X Points for 2 Out of These Categories: Apparel, Dining, Grocery, Taxi, and Utility

  • Welcome benefits

    Choose 2 Complimentary Memberships From Amazon Prime, JioHotstar, Sony Liv, Zee5, or Reader’s Digest

  • Reward redemption

    Redeem Reward Points for Products, Vouchers, Cashback, Flight Bookings, and Hotel Bookings

Fees & charges

  • Spend-based waiver

    Spend ₹2 lakh in a Year

  • Foreign currency markup

    3.5%

  • Interest rates

    3.75% Per Month, 45% Yearly.

  • Fuel surcharge waiver

    1% Waiver Up to ₹3,000 on Transactions Between ₹500 & ₹3,000

  • Cash advance charges

    2.5% of the Amount Withdrawn or ₹250, Whichever is Higher.

Product highlights

  • Users earning between ₹5 lakh and ₹18 lakh annually are eligible to apply.
  • The card offers 2X reward points on general spending and 5X points on select categories.
  • The Equitas Selfe Credit Card allows users to choose their card variant in terms of style and payment network.

Pros & cons

Pros

  • Complimentary subscriptions to popular platforms like Amazon Prime and JioHotstar.
  • Spend-based waiver on the annual fee by spending ₹2 lakh in a year.
  • It gives users the convenience of choosing a billing cycle date and their preferred payment network.

Cons

  • No added travel benefits, lounge access, or dining privileges.
  • Additional charge for selecting a unique style variant of the card.
  • The reward redemption value for cashback can be as low as ₹0.15, which is only 0.30% back to the user.

FAQs

What is the foreign currency markup fee?

The foreign currency markup fee is 3.5%.

What is the reward rate on this card?

The card provides two reward points per ₹100 spent and 5X reward points on selected categories (apparel, dining, grocery, taxi, and utility).

How can I get the annual fee waived?

The annual fee of ₹1,180 (including GST) can be waived if you spend ₹2 lakh in a year.

What are the complimentary memberships offered with this card?

Cardholders can choose two out of five memberships: Amazon Prime, JioHotstar, Sony Liv, Zee5, or Reader’s Digest.