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Equitas Selfe Credit Card

Equitas Selfe Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Equitas Small Finance Bank Visa Mid

Annual Fee

₹1000

Base Rate

2.0%

Reward Type

Points

Overview

The Equitas Selfe Credit Card is a Mid credit card issued by Equitas Small Finance Bank on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.35).

Annual Fee: ₹1,000
Eligibility: Annual income between ₹5 lakh and ₹18 lakh.

Reward Rates & Cashback Rules

  • CATEGORY – Apparel: 10.0% cashback ⚠️ This is one of five user-selectable accelerated categories. Only two can be active at a time.
  • CATEGORY – Dining: 10.0% cashback ⚠️ This is one of five user-selectable accelerated categories. Only two can be active at a time.
  • CATEGORY – Grocery: 10.0% cashback | monthly cap ₹700.0 ⚠️ Reward points are capped at 2,000 points per month. This is one of five user-selectable accelerated categories.
  • CATEGORY – Utilities: 10.0% cashback ⚠️ This is one of five user-selectable accelerated categories. Only two can be active at a time.
  • CATEGORY – Taxi: 10.0% cashback ⚠️ This is one of five user-selectable accelerated categories. Only two can be active at a time.
  • CATEGORY – Insurance: 2.0% cashback ⚠️ Reward points are capped at 2,000 points per day for insurance transactions.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback

Key Features & Benefits

  • Domestic Lounge Access ✈️: 1 complimentary domestic airport lounge visit per calendar quarter.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹250 per statement cycle.
  • Welcome Memberships 🎁: Choice of two complimentary annual memberships from platforms like Amazon Prime, JioCinema, Sony Liv, Zee5, and Discovery+ upon joining.
  • Card Customization 🎨: Choose your card network (Visa/RuPay), card material (plastic, recycled plastic, or metal for a fee), and billing cycle date.
  • Tiered Privilege Program ⭐: Unlock higher reward value (up to ₹1/point), lower forex fees, and milestone benefits by moving up spending-based tiers.

Eligibility Criteria

Annual income between ₹5 lakh and ₹18 lakh.

Features & Benefits

✈️

Domestic Lounge Access

1 complimentary domestic airport lounge visit per calendar quarter.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹250 per statement cycle.

🎁

Welcome Memberships

Choice of two complimentary annual memberships from platforms like Amazon Prime, JioCinema, Sony Liv, Zee5, and Discovery+ upon joining.

🎨

Card Customization

Choose your card network (Visa/RuPay), card material (plastic, recycled plastic, or metal for a fee), and billing cycle date.

⭐

Tiered Privilege Program

Unlock higher reward value (up to ₹1/point), lower forex fees, and milestone benefits by moving up spending-based tiers.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Apparel
Reward: 10.0%
⚠️ Exceptions: This is one of five user-selectable accelerated categories. Only two can be active at a time.
10%
Dining
Reward: 10.0%
⚠️ Exceptions: This is one of five user-selectable accelerated categories. Only two can be active at a time.
10%
Grocery
Reward: 10.0% Monthly Cap: ₹700.0
⚠️ Exceptions: Reward points are capped at 2,000 points per month. This is one of five user-selectable accelerated categories.
10%
Utilities
Reward: 10.0%
⚠️ Exceptions: This is one of five user-selectable accelerated categories. Only two can be active at a time.
10%
Tax
Reward: 10.0%
⚠️ Exceptions: This is one of five user-selectable accelerated categories. Only two can be active at a time.
10%
Insurance
Reward: 2.0%
⚠️ Exceptions: Reward points are capped at 2,000 points per day for insurance transactions.
2%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion
EMI Exclusion
Government Services Exclusion

Value Chart

Assuming basic spends for Equitas Selfe Credit Card

Category Equitas Selfe Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card HDFC Bank BizPower Credit Card
₹
Joining Fee 		₹1000 ₹0 ₹0 ₹0
₹
Annual Fee 		₹1000
Waived on spending ₹2,40,000 or more in the preceding anniversary year.
 ₹1500 ₹500 ₹2500
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 5.0% 5.0% 2.67%
★
Known Rules 		11 rules 7 rules 10 rules 12 rules

Pros & Cons

✓

Pros

  • + Apparel — 10.0% Points
  • + Dining — 10.0% Points
  • + Grocery — 10.0% Points (cap ₹700.0)
  • + Utilities — 10.0% Points
  • + Tax — 10.0% Points
  • + Domestic Lounge Access
  • + Fuel Surcharge Waiver
  • + Welcome Memberships
  • + Card Customization
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet Load
  • − No reward on EMI
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹1000

Net Value

+₹5000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

You earn 10 points per ₹100 on two user-selected categories (from Apparel, Dining, Grocery, Utility, Taxi) and 2 points per ₹100 on all other spends. 1 point is worth ₹0.35 for travel/vouchers on the Equitas Xchange portal.

Yes, the card has a joining and annual fee of ₹1,000 + GST. The annual fee is waived on spending ₹2,40,000 in a year, and the joining fee is often waived as an introductory offer.

No reward points are earned on fuel, rent payments, wallet loads, EMI transactions, or government services.

Yes, it offers one complimentary domestic airport lounge visit per calendar quarter.

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