Equitas Selfe Secured Credit Card
Equitas Small Finance Bank · Open to apply
The Selfe card issued against an Equitas fixed deposit (limit 80% of the lien-marked amount, no cash withdrawal), with 2 points per ₹100, 5X on two chosen categories and two chosen memberships. Joining and annual fee ₹2,000 each in the MITC.
- Annual fee
- ₹2,000 + GST a year
- Joining fee
- ₹2,000 + GST
- Base rate
- 2 reward points per ₹100: 2 Equitas Reward Points per ₹100 (about 0.3% at cash value)
- Lounges
- None on record
- 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
Terms the calculator does not value
- The secured card is not sold through a product page of its own: the fees, features and the FD lien terms come from the MITC and KFS, which list "Selfe Secured" beside its unsecured version. The application form (Jan 2026) carries the FD lien declaration. Lounge access and the lost card liability cover, shown on the Selfe product page, are not stated for the secured version and are not entered.
- The joining and annual fee waivers on spend (and the First Year Free option) are stated for the unsecured card; Equitas does not say they apply to the secured version, so none is entered.
- The fixed deposit keeps earning its deposit interest while it secures the card; that interest is not part of the card's value.
- The 5X categories are chosen at application and fixed for the card's life; the model picks the best two. Taxi is matched on Uber and Ola only (Equitas's taxi category is MCC 4121). The memberships are copied from the unsecured Selfe because the MITC feature table treats "Selfe/Selfe Secured" together.
Sources
- Equitas Selfe Credit Card (product page of the unsecured card) (Product page, the bank's own, read 6 Nov 2026)
- Selfe Credit Card, Product Terms & Conditions (8 July 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- Equitas Most Important Terms & Conditions for Credit Cards, version 1.4 (fees, features and fixed deposit based card terms) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Equitas Key Fact Statement for credit cards (30 Aug 2024) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Equitas credit card product and pricing form with FD lien declaration (Elite Artha, Jan 2026) (Product page, the bank's own, read 6 Nov 2026)
- Equitas Privilege Program (Club Xplorer) (Product page, the bank's own, read 6 Nov 2026)