Visa, RuPay 📡 Contactless NFC

Equitas Selfe Credit Card

Joining Fee₹1,000

Annual Fee₹1,000

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Customizers wanting 5X rewards on their chosen top 2 spending areas (e.g. Dining + Apparel), 2 free OTT memberships, domestic lounge visits, and RuPay UPI support.

Who Should Avoid

Users who spend primarily on uncapped general offline categories.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Choice of any 2 complimentary annual streaming memberships (Amazon Prime, Hotstar, SonyLIV, Zee5) on card activation

5X Rewards on 2 Chosen Categories

Earn 5X Reward Points (10 RPs per ₹100, up to 10% valueback) on your choice of 2 categories from Apparel, Dining, Grocery, Utilities, and Taxi.

Domestic Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter).

2 Complimentary Welcome OTT Memberships

Choose any 2 complimentary OTT memberships on joining from Amazon Prime, JioCinema/Hotstar, SonyLIV, or Zee5.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.35

Standard Base Earning

2 Reward Points per ₹100 spent on all other retail transactions (0.70% return)

Accelerated / Partner Rate

10 Reward Points (5X, 3.5% to 10% return based on tier) per ₹100 on 2 chosen categories out of Apparel, Dining, Grocery, Utilities, and Taxi (Grocery capped at 2,000 points/month)

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Equitas Xchange Portal (Amazon Pay Vouchers, Flight & Hotel Bookings at 1 RP = up to ₹0.35), Direct Statement Cash Credit (1 RP = ₹0.15)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Cash Advances

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹240,000/yr

Annual renewal fee of ₹1,000 is waived off on spending ₹2,40,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

2 Reward Points per ₹100 on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹41,666

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the Equitas Selfe Credit Card

Annual Fee: ₹1,000/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, Equitas Selfe Credit Card has a joining fee of ₹1000 and an annual renewal fee of ₹1000 (plus applicable taxes).