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Equitas Small Finance Bank
Equitas Selfe Credit Card
Visa
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.
Rates and fees last verified 14 September 2026.
Annual fee
₹1,000
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Mid
Reward rates by category
- Dining10%
- Groceries10%
Eligibility
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–65
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
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
Applying takes you to Equitas Small Finance Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.