Equitas Selfe Credit Card

Equitas Small Finance Bank · Open to apply

A build-your-own card: the holder picks two spend categories for 5X points (apparel, dining, grocery, utilities or taxi), two memberships (Amazon Prime, JioHotstar, SonyLiv, Zee5, Discovery+), the billing date, the network (Visa or RuPay) and the card design (plastic, green or metal). Base rate 2 points per ₹100, one domestic lounge visit a quarter, ₹1,000 annual fee waived on ₹2.4 lakh spend.

Annual fee
₹1,000 + GST a year
Joining fee
₹1,000 + GST
Fee waiver
Annual fee waived on ₹2,40,000 spend per card year
Base rate
2 reward points per ₹100: 2 Equitas Reward Points per ₹100 (about 0.3% at cash value)
Lounges
Domestic: 1 visit a calendar quarter
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 5X (10 points per ₹100) on apparel, if chosen: 10 Equitas Reward Points per ₹100 (about 1.5% at cash value)
  • 5X (10 points per ₹100) on dining, if chosen: 10 Equitas Reward Points per ₹100 (about 1.5% at cash value)
  • 5X (10 points per ₹100) on grocery, if chosen: 10 Equitas Reward Points per ₹100 (about 1.5% at cash value)
  • 5X (10 points per ₹100) on utilities, if chosen: 10 Equitas Reward Points per ₹100 (about 1.5% at cash value)
  • 5X (10 points per ₹100) on taxi, if chosen: 10 Equitas Reward Points per ₹100 (about 1.5% at cash value)

Earns nothing on

  • No reward points on fuel
  • No reward points on rent
  • No reward points on wallet loads
  • No reward points on government payments
  • No reward points on cash advances
  • No reward points on EMI conversions

Where the sources disagree

  • green card charge: The MITC and KFS charge ₹250 for the green (eco-friendly) card; the product and pricing form (Jan 2026) prints "Green: Rs.Nil". We enter the MITC and note both.
  • lost card liability cover: The FAQ says "up to ₹10 lakhs (varies basis credit card)"; the Selfe terms of 8 Jul 2026 say ₹4 lakh. We use the card's own terms.
  • annual fee: The MITC lists ₹1,000; the page advertises a limited-period "First Year Free" Selfe card.

Terms the calculator does not value

  • The 5X categories are chosen at application and fixed for the life of the card. The model picks the best two for the reader's spending, so it shows the best case.
  • Taxi 5X applies to MCC 4121 (cabs and limousines in general); the model matches only Uber and Ola, so other taxi operators earn the base rate here.
  • The 2,000-point monthly cap on grocery and utility spends is entered for the 5X rules; the MITC states it for grocery and utility earnings generally, and an insurance cap of 2,000 points a day, neither of which binds the base rate.
  • Second-year memberships need ₹2,40,000 spent in the card year, and are not given again otherwise; the memberships' value and duration are not published.
  • Limited-period "First Year Free" Selfe offer, and Lifetime Free and First Year Free variants of the card, for which the joining-fee waiver and fee-linked benefits do not apply.
  • Higher Privilege Program tiers raise the redemption value of points; Equitas's page does not print the values by tier, so points are valued at base-tier rates.

Sources

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