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REWARD POINTS CARD

Equitas Selfe Credit Card

Equitas Small Finance Bank

Customisable card: choose 2 of 5 categories for 5X rewards, 2 complimentary memberships, card style and Visa or RuPay network. Earns 2 Reward Points per ₹100 on everyday spends.

Annual fee ₹1,000 (first year free on a limited-period offer, excl. GST); waived on ₹2,40,000 spend in the previous year. Forex mark-up 3.5%. ₹99 per redemption; points expire in 24 months.

Equitas Selfe Credit Card
ANNUAL FEE
₹1,000
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
5X rewards on 2 chosen categories out of Apparel, Dining, Grocery, Utility and Taxi.
BEST FOR
Included: May suit spenders concentrated in two of the five reward categories who value a choice of memberships and card style.
Included: May suit spenders who dine out or shop for apparel or groceries and can pick matching 5X categories.
Included: May suit those who want OTT memberships bundled with a card.
Included: May suit those who want to choose between Visa and RuPay networks and card style.
Limitation: Overseas spenders given the 3.5% forex mark-up, or frequent redeemers given the ₹99 fee may wish to compare other cards.
Limitation: Those frequent overseas spenders: 3.5% forex mark-up applies may wish to compare other cards.
Limitation: Frequent lounge users may wish to compare other cards.
Limitation: Those seeking higher base earn outside chosen categories: 2 Reward Points per ₹100 may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Complimentary memberships must be claimed within 90 days of card issuance or they expire and cannot be renewed.
Condition: Only 1 domestic lounge visit per calendar quarter; no complimentary guest access.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹1,000
Fee waived at
₹2,40,000 spend in the previous anniversary year (renewal fee waiver)
Forex markup
3.5%
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
1 visit per year — 1 visit per calendar quarter (up to 4 a year) · No complimentary guest access; unused visits lapse; extra visits or guests charged per lounge provider terms
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver on fuel transactions across India, up to ₹250 per statement cycle on transactions between ₹500 and ₹3,000
Dining
Dining is one of 5 categories you can pick for 5X rewards (default categories: Apparel and Dining)
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
24 months
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 5X rewards on 2 chosen categories out of Apparel, Dining, Grocery, Utility and Taxi.
Included: Choose Visa or RuPay network, regular, eco-friendly or metal card style, and billing date (12th, 16th or 20th).
Included: 1% fuel surcharge waiver on transactions of ₹500-₹3,000, up to ₹250 per statement cycle.
Included: Up to 50 days of interest-free credit on spending.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.