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Equitas Small Finance Bank Selfe Credit Card
Equitas Small Finance Bank

Equitas Small Finance Bank Selfe Credit Card

Checked against Equitas Small Finance Bank's 6 documents for this card on 04 Nov 2026
COFFER Safety Stars3 of 5See the five checks
Interest
0 of 1
Foreign spends
0 of 1
Spend fees
None1 of 1
Clarity
The bank's documents answer 9 of 9 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns Reward Points

First-year fee

₹1,000 to join.

Annual fee

₹1,000 a year.

What it gives back

2 Reward Points per ₹100 · everyday spends

Read from 6 Equitas Small Finance Bank documents, last checked 8 Nov 2026.

Apply on Equitas Small Finance Bank

Our calculation

0.3% value back

Every ₹1,00,000 spent at this rate earns about 2,000 points, worth about ₹300 at the lowest value Equitas Small Finance Bank states for a point.

Equitas Small Finance Bank's rate: “2 Reward Points for every Rs 100 spent” Proof
The bank’s words

“Earn 2 Reward Points for every Rs 100 spent, rewarding you on everyday transactions”

Equitas Small Finance Bank's point value: “The value of each reward point varies by redemption type, with travel, vouchers, and catalogue redemptions valuing ₹0.35 per point, while cashback and instant redemption value ₹0.15 per point” Proof
The bank’s words

“The value of each reward point varies by redemption type, with travel, vouchers, and catalogue redemptions valuing ₹0.35 per point, while cashback and instant redemption value ₹0.15 per point.”

How it compares

Compared with the cards we have read

₹1,000 annual fee: of the 447 other open cards whose annual fee we have read, 283 state a lower one, 24 state the same and 140 state a higher one.

0.3% value back by our calculation: of the 90 other open cards we can work this out for, 27 return less and 63 return more.

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Fees

  • Joining fee

    ₹1,000 to join.

  • Annual fee

    ₹1,000 a year.

  • Fee waiver rule

    Spend ₹2,40,000 in the previous anniversary year to get your renewal fee waived. The joining fee will be reversed if you spend ₹60,000 within 90 days from the card open date (not applicable for FYF and LTF card)

  • Add-on card fee

    ₹3500.

Rewards

  • Reward rate

    2 Reward Points per ₹100 · everyday spends2 Reward Points for every ₹100 spent.

  • Reward exclusions

    Transactions such as fuel, rent, wallet loads, government payments, cash advances, and EMI conversions are excluded from earning reward points unless specified otherwise.

  • What one reward unit is worth

    The value of each reward point varies by redemption type, with travel, vouchers, and catalogue redemptions valuing ₹0.35 per point, while cashback and instant redemption value ₹0.15 per point.

Card benefits

  • Domestic lounge access

    Enjoy one complimentary domestic lounge access per calendar quarter.

  • Movies and entertainment

    Choose 2 complimentary memberships from top platforms like Amazon Prime, Jio Hotstar, Sony Liv, or Zee5.

Also included

  • Fuel surcharge waiver

    Save more with a 1% waiver on fuel transactions across India (up to ₹250 per statement cycle on transactions between ₹500 and ₹3,000)

  • Lost card liability

    Enjoy peace of mind with lost card liability.

  • Add-on card eligibility

    Add-on Cardmember: an individual who is a resident Indian / NRI / Foreign National working in India, and a member of the immediate family of Primary Cardmember viz. spouse, brothers, sisters, parents, children, and is above the age of 18 years.

Charges

  • Forex markup

    Upto 3.50%, excluding GST

  • Cash advance fee

    2.5% of advanced amount (minimum ₹250), excluding GST

  • Interest on unpaid balance

    3.75% Monthly Rate, 45.0% Annual Rate.

  • Interest-free period

    Up to 50 days

  • Late payment fee

    Upto ₹1200 as per amount due, excluding GST

Eligibility

  • Income requirement

    Annual Income of ₹5L — ₹18L.

Ways to redeem your points

  • Cashback against your bill

    “Yes, a minimum of 500 reward points is required for redeeming points as cashback against your card statement.” Proof

  • Flight bookings

    “Xchange Program: Redeem your reward points against Products/ Vouchers/ Flight Booking and more. https://xchange.equitas.bank.in/ . A video guide for claiming Selfe Credit Card Memberships [Xchange Rewards](https://equitas.bank.in/strapi-dev/uploads/Membership_Claim_Process_Selfe_9_5b8da04d47.mp4)” Proof

  • Hotel loyalty points

    “Equitas Bank Credit Card Customers are requested to check with their preferred brand’s policy on accepting single/multiple vouchers against a single invoice and accordingly decide to redeem their reward points from Xchange Rewards Portal.” Proof

  • Gift vouchers and gift cards

    “No, the reward point value differs depending on the redemption option selected, with higher value typically available for travel and vouchers.” Proof

  • Products from the rewards catalogue

    “The value of each reward point depends on redemption type: ₹0.50 per point for travel, vouchers, and catalogue, and ₹0.25 per point for cashback or instant redemption.” Proof

  • Pay with points at checkout

    “Yes, you can use reward points for instant redemption at select partner merchants during transactions.” Proof

Points expiring? Use Expiry Rescue

How we know - 6 documents from Equitas Small Finance Bank, checked 8 Nov 2026

6 documents from Equitas Small Finance Bank, checked 8 Nov 2026.

  • Key Fact Statement 300824 4f08cc142aProof
  • Cc Soc 1c5ebff2ddProof
  • Linked page on equitas.bank.inProof
  • Card pageProof
  • Card terms and conditionsProof
  • Selfe Credit Card page data (tabs)Proof
Apply on Equitas Small Finance Bank

₹1,000 a year

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