Equitas Small Finance Bank
Selfe Credit Card
SimplifyCards take:A good fit if you want a card built for dining, grocery, and online
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Best for 2 Chosen Accelerated Categories: Apparel, Dining, Grocery, Utility, Or TaxiBest for
10 Reward Points / ₹100 spent (on 2 chosen categories)
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for dining, grocery, and onlineBottom line
It combines complimentary airport lounge access and accelerated rewards on 2 chosen accelerated categories: apparel, dining, grocery, utility, or taxi
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| 2 Chosen Accelerated Categories: Apparel, Dining, Grocery, Utility, Or Taxi | 10 Reward Points / ₹100 spent (on 2 chosen categories) |
| All Other Retail Spends | 2 Reward Points / ₹100 spent |
Redemption
Equitas Xchangeupto ₹ 1 per reward point
Equitas Privilege Program
Shared spend-based tiers for Tiga, Selfe, and PowerMiles
| Tier | Required monthly spend | Equivalent quarterly spend | 1 Point value |
|---|---|---|---|
| Blue | Base tier | - | ₹ 0.35 |
| Silver | ₹ 20,000 | ₹ 60,000 | ₹ 0.35 |
| Gold | ₹ 40,000 | ₹ 1,20,000 | ₹ 0.50 |
| Platinum | ₹ 60,000 | ₹ 1,80,000 | ₹ 0.75 |
| Diamond | ₹ 1,00,000 | ₹ 3,00,000 | ₹ 1.00 |
How tier qualification works
- Meet the monthly threshold in all 3 months of the calendar quarter
- Tier status is reviewed quarterly and may be upgraded or downgraded
- Calendar quarters are Apr-Jun, Jul-Sep, Oct-Dec, and Jan-Mar
Benefits available across tiers
- Higher reward redemption value
- Bonus reward points
- Movie and shopping vouchers worth ₹250
- Golf benefits
- One-way flight booking worth ₹3,000
- Hotel room night worth ₹3,500
Benefit availability varies by tier The reward calculator's tier estimate assumes your spend is maintained evenly each month
Official program termsImportant conditions
1
Domestic lounge4 visits per year
- 1 complimentary domestic airport lounge access per calendar quarter (4 per year)
2
Fee waiverRenewal fee waived on annual spends of ₹ 2.4 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Limited-period first-year-free offer currently live, excluding GST
- Choice of 2 complimentary OTT/brand memberships from: Amazon Prime, Jio Hotstar, Sony LIV, Zee5, or Discovery+ (claim within 90 days of issuance)
- Choice of card style: Regular plastic, eco-friendly Green (recycled plastic), or premium Metal variant
- Flexible billing date: Choose 12th, 16th, or 20th of every month
- 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000
- Up to 50 days interest-free credit period on regular purchases
Additional details
- Reward points redeemable on Equitas Xchange portal (xchange.equitasbank.com) for products, vouchers, and travel
Eligibility
Check this before you apply
Salaried
- Age: 22 – 60 years
- Minimum annual income: ₹5 – 18 lakhs (approximate range)
- Subject to Equitas Small Finance Bank credit approval
Self-employed
- Age: 22 – 60 years
- Minimum annual income: ₹5 lakhs (approximate)
- Subject to Equitas Small Finance Bank credit approval
Exclusions
Spending that does not earn reward points
- Fuel transactions (surcharge waiver only, no reward points)
- Cash advance transactions
- EMI conversion transactions
- Wallet loading transactions
- Rent payments
- Government spends & tax payments
- Fees and charges
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