Digital Instant Credit Card with 3X Online Rewards & Achievable Fee Waiver
Digital shoppers, young professionals building credit history, FD-backed instant approval, and online food ordering.
₹1,000
One-time upfront₹1,000
Waived on ₹1.2 lakh annual spend2RPs/₹100 Spent & 5X Points for 2 Out of These Categories: Apparel, Dining, Grocery, Taxi, and Utility
On eligible spends4 Domestic visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Equitas Bank Selfe Credit Card is a digital-first credit solution created by Equitas Small Finance Bank to cater to millennials, students, and early-career professionals seeking to build or restore their credit profile. Available through paperless onboarding with instant virtual card generation—either through regular income assessment or against an Equitas Fixed Deposit—it removes traditional credit approval hurdles. The card accelerates everyday digital life with 3X reward points on online shopping portals, food delivery apps (Swiggy, Zomato), and entertainment platforms, alongside 1X points on offline transactions. With an annual fee of ₹1,000 (waived on spending ₹1.2 Lakhs annually) and zero upfront fee under promotional FD programs, it serves as an excellent financial stepping stone. Cardholders also enjoy a 1% fuel surcharge waiver. Who should consider it: Young earners and self-employed individuals without extensive credit history who want instant approval and rewards on food and online shopping. Who should avoid it: Premium spenders who can qualify for top-tier cards offering complimentary airport lounges and lower foreign exchange markups.
2RPs/₹100 Spent & 5X Points for 2 Out of These Categories: Apparel, Dining, Grocery, Taxi, and Utility
Choose 2 Complimentary Memberships From Amazon Prime, JioHotstar, Sony Liv, Zee5, or Reader’s Digest
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Selected Accelerated Categories | 5X Reward Points (5 RP per ₹100 spent = 1.25% valueback; 1 RP = ₹0.25) on chosen categories | No Cap | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹100 spent (0.50% valueback) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Selected Accelerated Categories | ₹12,000 | 5X Reward Points (5 RP per ₹100 spent = 1.25% valueback; 1 RP = ₹0.25) on chosen categories | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (0.50% valueback) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Salaried/self-employed Indian residents aged 21–60, or any applicant aged 18+ applying against an Equitas Bank Fixed Deposit (min FD ₹10,000). • Joining Fee: ₹1,000 + GST; Annual Fee: ₹1,000 + GST (Waived on annual spend of ₹1,20,000 or more in preceding year). • Online Spend Multiplier: 3X Reward Points on E-commerce purchases, online food delivery, and OTT/entertainment subscriptions. • Base Rewards: 1 Reward Point per ₹100 spent on all other eligible merchant categories. • FD Backed Option: Guaranteed approval with 90% credit limit against underlying Fixed Deposit lien. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (maximum waiver ₹150 per month). • Exclusions: Fuel spends, cash advances, and wallet top-ups do not earn reward points.
Evaluate whether this card's perks and waiver threshold justify its ₹1,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Equitas Bank Selfe Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Equitas Small Finance Bank portal with paperless verification.
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Best for: Savvy consumers who want total control over their card features and pay only for benefits they actually use.
Rewards: 1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Last verified 2 Oct 2026
Best for: Frequent air travelers and luxury spenders looking for high miles earning rates, unlimited airport lounge access, and premium travel insurance.
Rewards: 3 Reward Points for ₹100 Spent; 3X Reward Points for International POS and Online Purchases
Lounge access: 8 Domestic + 4 International visits/year
Forex markup: 2% Low Forex
Renewal fee waived on ₹4,80,000 annual spend
Last verified 3 Oct 2026
Best for: Credit builders, students, freelancers without income proof, and overseas travelers seeking a guaranteed-approval card with zero foreign exchange fees and high FD interest.
Rewards: 4X points (4 RP per ₹200) on online, offline, and international retail transactions (0.50% return)
Forex markup: 0% (Zero Forex)
Last verified 17 Sept 2026
Best for: International travelers, overseas online shoppers, and affluent consumers seeking a luxury metal card with guaranteed approval and zero forex markup.
Rewards: 4X points on online, offline, and international spends; 1X on utilities/insurance
Lounge access: 1 Domestic visits/quarter · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹1,00,000 annual spend
Last verified 3 Oct 2026
Best for: First-time applicants, contactless mobile payments, and online grocery runs
Rewards: 1 Reward Point per ₹100 spent offline (0.25% return; 1 RP = ₹0.25)
Lounge access: 1 Domestic visits/quarter · ₹50k quarterly spend required
Last verified 3 Oct 2026
Best for: Secured cardholders seeking complimentary domestic airport lounge access alongside daily UPI rewards.
Rewards: Up to 10% novio Coins on merchant UPI spends via novio UPI
Lounge access: 4 Domestic visits/year
Last verified 25 Oct 2026
