All cards / Equitas Small Finance Bank
Equitas Selfe Credit Card
A choice-based rewards card from Equitas Small Finance Bank that lets cardholders pick their own bonus-earning categories, with tiered benefits that improve as annual spend increases.
Annual fee
₹1,000
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: Up to 4 complimentary domestic airport lounge visits per year (1 per quarter), tier-gated by prior-quarter spend.
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate · Choose 2 categories (Apparel, Dining, Grocery, Utility, Taxi) to earn 10 points per ₹100 spent
- 🛒 Groceries
10% reward rate
- ✈️ Travel
Up to 4 complimentary domestic airport lounge visits per year (1 per quarter)
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
- 🌍 Forex / international spend
Forex markup drops to 0% at the top (Diamond) spend tier · 3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,40,000
- Foreign currency markup: 3.5%
- Interest rate: 30%–42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Benefits
- Up to 4 complimentary domestic airport lounge visits per year (1 per quarter)
- Choose 2 categories (Apparel, Dining, Grocery, Utility, Taxi) to earn 10 points per ₹100 spent
- 2 complimentary OTT memberships of choice (Amazon Prime, JioCinema, SonyLIV, Zee5, or Discovery+)
- Forex markup drops to 0% at the top (Diamond) spend tier
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Pros
- + Customizable bonus reward categories
- + Domestic lounge access
- + Annual fee waiver on moderate spend
- + Choice of Visa or RuPay network
Cons
- − Standard 3.5% forex markup unless top spend tier is reached
- − Requires ₹2.4L annual spend to waive the fee