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Equitas Selfe Credit Card
Travel
Rewards
1st Year Fee: ₹ 0
Lounge Access
4 domestic lounge visits every year
Rewards
5X reward points on everyday categories
Memberships
Free memberships of Amazon Prime, Zee5, etc.
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About Equitas Selfe Credit Card
Equitas Selfe Credit Card offers 10 points per Rs. 200 spent on any two chosen categories from Apparel, Dining, Grocery, Utility, or Taxi. With customizable benefits, this credit card is a suitable option for consumers looking to save on their everyday spends according to their convenience. Cardholders can choose categories as per their needs and earn 3.5% value-back on the selected categories.
Besides this, the card offers a base reward rate of 2 points per Rs. 100 on other spends. At the time of joining, cardholders can also avail any two complimentary memberships from Amazon Prime, JioCinema, Sony Liv, Zee5, or Discovery+, which further enhances its overall value. For domestic travellers, it offers 4 complimentary domestic lounge visits every year. A few standout features of this card are that cardholders can choose between Regular, Green & Metal card variants, along with the flexibility to select a billing cycle from the 12th, 16th, or 20th as per their convenience.
In addition to these basic benefits, this credit card also offers tier-based benefits such as bonus reward points, free movie tickets & Amazon vouchers, complimentary golf games, and more on achieving specific spending milestones and qualifying for a higher tier.
Rewards Program
Reward Earning
- 10 reward points per Rs. 100 spent on any 2 categories: Apparel, Dining, Grocery, Utility or Taxi
- 2 reward points per Rs. 100 spent on other categories
Reward Redemption
- Redeem accumulated reward points at a value of 1 Reward Point = Rs. 0.35 against products/vouchers/flight, bus & hotel bookings
- Redeem accumulated reward points at a value of 1 Reward Point = Rs. 0.15 against cashback and Insta Redemption
Other Features & Benefits
Lounge Access
- 1 complimentary domestic lounge visit every quarter
Welcome Benefit
- Complimentary memberships of any 2 platforms: Amazon Prime, Jio Hotstar, Sony Liv, Zee5 or Discovery+
Fuel Benefit
- 1% fuel surcharge waiver on fuel spends between Rs. 500 and Rs. 3,000, up to Rs. 250 per month
Annual Fee waiver
- Annual fee waiver on spending Rs. 2.4 Lakh
Equitas Selfe Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil1 | ||||||||||||||||
| Annual Fee | Rs. 1,000 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You want customizable benefits according to your needs
You can spend Rs. 2.4 Lakh in a year to avail annual fee waiver
You are a moderate domestic traveller looking for reasonable lounge access benefits
You can maximize membership benefits of Amazon Prime, JioCinema, Disney+ Hotstar, SonyLiv, Zee5, or Discovery+
Eligibility Criteria
Age Requirement: 22 to 60 years
Employment: Salaried
Minimum Income Requirement: Rs. 50,000 per month
Credit Limit: Rs. 75,000 to Rs. 3 Lakh
Paisabazaar Review
What do we like about this card?
Equitas Selfe is a customizable credit card with 3.5% value-back on any two chosen categories from Apparel, Dining, Grocery, Utility, or Taxi, making it a suitable option for day-to-day spends. Besides this, cardholders can also earn 2 points per Rs. 100 on other spends. Apart from rewards, domestic lounge access enhances its value for moderate domestic travellers. At the time of joining, cardholders can also avail any 2 memberships from Amazon Prime, JioCinema, Sony Liv, Zee5, or Discovery+, which further adds to the overall value. At an annual fee of Rs. 1,000, this credit card is a suitable option for consumers seeking decent value-back on everyday spends as per their needs.
Pros
- 5X rewards on everyday categories
- Complimentary memberships of popular platforms
- No joining fee for the first year
- Up to Rs. 3,000 savings on fuel every year
- 4 complimentary domestic lounge visits every year
Cons
- High forex markup fee of 3.5%
- Low reward rate of 0.7% on other spends
- Easily achievable spending milestone for annual fee waiver
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for Equitas Selfe Credit Card online through the official Equitas Small Finance Bank website by filling out the application form. You can also visit the nearest Equitas Bank branch to apply offline. Once your documents are verified and the application is approved, the bank will issue the card.
The card offers 10 reward points per Rs. 200 spent on any two chosen categories like Dining, Grocery, Apparel, Utility, or Taxi. On all other spends, it offers 2 reward points per Rs. 100 spent.
At the time of joining, cardholders can choose any two complimentary memberships from Amazon Prime, Jio Cinema, Sony Liv, Zee5, or Discovery+. These subscriptions enhance the card’s overall value, especially for entertainment-savvy users.
Yes, the card offers 4 complimentary domestic lounge visits every year. This makes it a good option for moderate domestic travellers who want occasional airport lounge access benefits.
Yes, you can choose any two categories from options like Dining, Grocery, Apparel, Utility, or Taxi. This flexibility helps you tailor rewards based on where you spend the most in your daily routine.
The card is available in Regular, Green, and Metal variants. All variants share the same core benefits, and consumers can choose the one that suits their preference in terms of look and feel.
This card is ideal for consumers seeking personalized value-back on everyday spends, entertainment benefits, and lounge access. Its customizable structure makes it especially useful for those who want rewards aligned with their lifestyle and spending pattern.
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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