# Equitas Selfe Credit Card Review: Does the Choice-Based Reward System Actually Pay Off?

> Choosing a credit card often feels like navigating a maze of terms and conditions, but the Equitas Selfe Credit Card stands out by doing something rare: it lets you decide where you want to be rewarde...

- Source: https://www.creditkeeda.com/reviews/equitas-selfe-credit-card-review
- Publisher: Creditkeeda
- Section: Reviews
- Author: Creditkeeda
- Published: 2026-01-27
- Last updated: 2026-01-28
- Category: Credit Cards
- Tags: credit-cards, equitas, selfe

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Choosing a credit card often feels like navigating a maze of terms and conditions, but the **Equitas Selfe Credit Card** stands out by doing something rare: it lets *you* decide where you want to be rewarded.

If you’re looking for a digital-first card that balances lifestyle perks with high rewards, here is a comprehensive, no-nonsense review to help you decide.

![](https://res.cloudinary.com/dyougagen/image/upload/v1769618377/creditkeeda-content-images/1769618377863-1mjj33e3f.jpg)

### At a Glance: What makes it "Selfe"?

The "Selfe" branding isn't just a name; it’s about personalization. Equitas allows you to customize the four pillars of your card experience:

1. **Rewards:** You pick the categories that earn the most.
2. **Network:** You can choose between **Visa** (for better foreign exchange control) or **RuPay** (for UPI linkage).
3. **Perks:** You choose your own welcome memberships.
4. **Aesthetics:** You decide if your wallet holds standard plastic, eco-friendly green, or premium metal.

### Joining Benefits

The moment you receive your Selfe card, you're not just getting a piece of plastic (or metal). You get to pick your own welcome gifts.

- **Choose 2 Memberships:** You can pick two complimentary annual memberships from a list that includes **Amazon Prime, Disney+ Hotstar, SonyLIV, Zee5,** or **Discovery+**.
- **Personalized Style:** You get to choose your card’s physical vibe—select from a **Regular** design, an **Eco-friendly Green** card, or a premium **Sleek Metal** card.
- **Network Choice:** Whether you prefer the global acceptance of **Visa** or the domestic utility (and UPI linkage) of **RuPay**, the choice is yours.

### The Rewards Breakdown

The reward system is the strongest "pro" of this card. You earn **2 Reward Points (RP) for every ₹100** spent on standard transactions, but the 5X accelerator is where the value lies. The Selfe card flips this by letting you pick **2 out of 5 categories** where you want to earn **5X Rewards**:

1. **Grocery**
2. **Dining**
3. **Apparel**
4. **Utility Bills**
5. **Taxi/Cabs**

[Embedded content](https://datawrapper.dwcdn.net/wwwZZ/2/)

**💡 The UPI Hack:** If you choose the **RuPay** variant, your UPI merchant also earns **5X rewards** provided the merchant falls under your selected categories (e.g., paying your local grocer via a UPI scan).
**💡Pro Tip:** To maximize value, always redeem your points for vouchers or travel through the [Equitas Xchange portal](https://xchange.equitasbank.com/), as the value is more than double compared to statement cashback.

### The Privilege Program: How Your Points Grow

This is where the card gets interesting. Equitas uses a "Tiered" system. As your monthly spending increases, the **actual value** of each point you’ve earned goes up. You aren't just earning more points; your points are becoming "worth more" money.

[Embedded content](https://datawrapper.dwcdn.net/PTYBH/3/)

**💡 The Strategy:** If you're a heavy spender, hitting the **Diamond Tier** makes every 1 reward point equal to ₹1. That is a massive jump from the base value of ₹0.35!

### Travel & Lifestyle Perks

- **Lounge Access:** 1 complimentary domestic lounge visit every calendar quarter.
- **Fuel Savings:** 1% surcharge waiver on fuel transactions (between ₹500 and ₹3,000).
- **Insurance:** Peace of mind with Air Accident cover, Credit Shield, and Lost Card Liability.

### Fees & Waivers

- **First Year Fee:** ₹1,000 (Currently **Free** for a limited period, excluding GST).
- **Renewal Fee:** ₹1,000 (Waived if you spend **₹2.4 Lakhs** in the previous year).
- **Card Style Charges:**
  Default Plastic Card (Blue) & Green Card: Rs. 0
  Metal Card: Rs. 3500

### Eligibility

Annual Income of Rs.5L- Rs.18L Get upto 5 complimentary add-on cards with your primary card

### Final Verdict: Should You Apply?

**The Selfe Card is perfect for you if:**

- You want to **customize your rewards** based on where you actually spend (like Groceries or Utilities).
- You are looking for a card that **rewards loyalty**; the more you spend, the more the redemption value of your points increases.
- You want **OTT memberships** included as a joining perk.

**Things to Watch Out For:**

- Membership Window: You must claim your 2 OTT memberships within 90 days of card issuance, or they expire.
- Metal Card Fee: While the plastic cards are free, the Metal variant carries a one-time fee of ₹3,500.
- Tier Volatility: Your tier is reviewed quarterly. If your spending drops, your point value drops with it.
- Redemption Fee: Each reward redemption request incurs a fee of ₹99 + GST.
- Points Exclusions: No points are earned on **rent, wallet loads, fuel, or government services**.
- High forex markup fee of 3.5%

**The Bottom Line:** It’s a versatile, mid-range card that feels premium because of its personalization options. It’s particularly powerful for those who can spend enough to reach the Gold or Platinum tiers, where the point value significantly outpaces competitors.
**Like the card? Check eligibility & apply:** [**https://www.creditkeeda.com/to/equitas-selfe**](https://www.creditkeeda.com/to/equitas-selfe)