Fees
Annual feeINR 1,000 + GST (Blue); INR 1,000 + INR 250 GST (Green); INR 1,000 + INR 3,500 GST (Metal)
Joining feeNil (Limited period; INR 1,000 + GST thereafter)
Renewal feeINR 1,000 + GST (Blue); INR 1,000 + INR 250 GST (Green); INR 1,000 + INR 3,500 GST (Metal)
Fee waiverSpend INR 2,40,000 in previous anniversary year
Interest rate3.75% per month (45.0% per annum (p.a.))
Late paymentNil (balance < INR 100); INR 100 (INR 101-INR 500); INR 500 (INR 501-INR 5,000); INR 750 (INR 5,001-INR 10,000); INR 900 (INR 10,001-INR 25,000); INR 1,000 (INR 25,001-INR 50,000); INR 1,200 (> INR 50,000)
Forex markup3.50%
Cash advance2.5% of amount withdrawn (min INR 250); finance charges from day of withdrawal
Eligibility
Min income (salaried)INR 50,000 p.m. (INR 5 lakh-INR 18 lakh annual)
Min income (self-emp.)Not commonly specified (primarily salaried)
Income requirementSalaried: INR 50,000 p.m. (INR 5 lakh-INR 18 lakh annual); Self-employed: Not commonly specified (primarily salaried)
Credit score700 - 750 (Good)
Age range21 to 60 years
Employment typeSalaried
Resident typeIndian Resident
Rewards & cashback
Accelerated rate5X rewards (10 RPs per INR 100) on any 2 chosen categories: Apparel, Dining, Grocery, Utility, Taxi
Cashback %NA (reward points redeemable as cashback at INR 0.10/RP)
Cashback capGrocery/Utility: 2,000 RPs/category/month; Insurance: 2,000 RPs/day
Redemption optionsCashback (Statement Credit), Vouchers, Merchandise, Flights & Hotels, Bank's Xchange Portal
Points expiry2 Years from date of accumulation
Travel & lounge
Domestic lounge1 complimentary visit per calendar quarter (4 visits/year)
International loungeNo international lounge access
Lounge conditionsNo - complimentary without spend conditions
Travel insuranceNo travel insurance
ConciergeNo
Forex waiverNo waiver (3.5% standard)
Lifestyle
Dining benefitsNo
Dining discountsNo
Fuel surchargeYes - 1% waiver on transactions INR 500-INR 3,000; cap INR 250/statement cycle (approx. INR 3,000/year savings)
OTT subscriptionsYes - 2 complimentary memberships (choice of any 2): Amazon Prime, Jio Hotstar, SonyLiv, Zee5, Discovery+
E-commerce offersAccelerated rewards on Apparel (includes e-commerce brands)
ComplimentaryOTT: Yes - 2 complimentary memberships (choice of any 2): Amazon Prime, Jio Hotstar, SonyLiv, Zee5, Discovery+
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 lakh (up to as stated by Paisabazaar)
Cash withdrawal20% - 40% of credit limit (0% for secured variant)
EMI optionsPost-purchase; Yes - EMI conversion available
EMI conversionPost-purchase
Min EMI amountINR 2,500+
Balance transferAs per bank discretion
BT interest rateAs per bank schedule
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability on reporting loss promptly
Digital & security
ContactlessYes - NFC enabled
Virtual cardYes
App featuresSelfe Loans App: Real-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to EMI, Rewards Tracking & Redemption, Autopay Setup, Spend Analyzer, Raise Service Requests, Virtual Card View
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (NFC), ATM Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card, View/Generate Virtual Card
Fraud protectionReal-time Transaction Alerts, OTP for Online Transactions, CVV+Expiry+OTP Combo, Tokenization (RBI Mandated), Instant Card Block Option, Behavioral Pattern Detection
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability (4-7 days); Full liability if beyond 7 days without valid reason
WhatsApp supportYes (available via Equitas Bank official channels)