Equitas Selfe Credit Card
Equitas Small Finance Bank · ₹1,000 a year · fee waived on ₹2,40,000 of annual spend
A customisable card with 5X points on two categories you pick.
What Equitas Selfe Credit Card really returns
On a typical ₹50,000 a month of card spend, with points counted as cashback, Equitas Selfe Credit Card returns about ₹3,204 a year after its fee (0.53% of spend). That ranks 115 out of 260 cards SahiCard can score. Earns most on groceries (₹1,440) and dining out (₹720). Put in your own spending to see your figure, with the working shown.
Best credit cards for ₹50,000 a month · All guides
Base rate: 0.3% as Reward Point.
What the bank says
- 5X rewards (10 points per ₹100) on 2 of 5 categories you choose: apparel, dining, grocery, utility or taxi
- 2 reward points per ₹100 on other spends
- One complimentary domestic lounge visit a quarter
- 1% fuel surcharge waiver, up to ₹250 a statement
- Fee ₹1,000, with the first year free for a limited period; renewal waived on ₹2.4 lakh of spend
Where it pays more
- 1.5% on the two categories you choose (5X, 10 points per ₹100); we assume dining and groceries
Things that catch people out
- We assume you pick dining and groceries. At ₹0.15 a point as cashback, the 5X rate is 1.5% and the base 2 points per ₹100 is 0.3%. Redeemed for vouchers or flights a point is worth ₹0.35.
- Equitas’s terms cap grocery and utility points at 2,000 a month each (₹300 at ₹0.15); we apply ₹600 a month to dining and groceries together. They also say rent, wallet loads, EMI, fuel, cash advances and government payments earn nothing. Equitas charges ₹99 to redeem points.
Joining fee: ₹1,000.
Foreign currency markup: not published.
The facts
- Annual fee: ₹1,000
- Fee waived at: ₹2,40,000 of spend a year
- Domestic lounge visits: 4 a year
- Minimum income: not published
Read from Equitas Small Finance Bank’s own page on 2026-10-06.
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