Fees
Annual feeINR 500 + GST
Joining feeNil (Limited period; INR 500 + GST thereafter)
Renewal feeINR 500 + GST
Fee waiverSpend INR 1,20,000 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Cash advance2.5% of amount withdrawn (min INR 250); finance charges from day of withdrawal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 35,000 p.m. (INR 4.2 lakh-INR 5 lakh annual)
Min income (self-emp.)Not commonly specified (primarily salaried)
Income requirementSalaried: INR 35,000 p.m. (INR 4.2 lakh-INR 5 lakh annual); Self-employed: Not commonly specified (primarily salaried)
Credit score700 - 750 (Good)
Age range22 to 60 years
Employment typeSalaried
Resident typeIndian Resident
Rewards & cashback
Accelerated rate3X rewards (3 RPs per INR 100) on UPI, Contactless payments, and Pay-by-3 merchant spends
Cashback %NA (reward points redeemable as cashback at INR 0.10/RP)
Redemption optionsCashback (Statement Credit), Vouchers, Merchandise, Flights & Hotels, Bank's Xchange Portal
Points expiry3 Years from date of accumulation
Travel & lounge
Domestic loungeNo lounge access
International loungeNo international lounge access
Lounge conditionsN/A - no lounge access
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 100/statement cycle
OTT subscriptionsNo
E-commerce offersPay-by-3 merchants: Tata Cliq, Tony & Guy, Netmeds, Skull Candy, Lectrix, 1% Club, SLAM Fitness, Prashanthi Sarees, Wedtree, Tony & Guy Essentuals
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal20% - 40% of credit limit (0% for secured variant)
EMI optionsAt Purchase (Pay-by-3 auto-converts); Post-purchase EMI also available; Yes - Pay-by-3: auto-converts select merchant transactions to 3-month low-cost EMI
EMI conversionAt Purchase (Pay-by-3 auto-converts); Post-purchase EMI also available
Min EMI amountAs per merchant eligibility for Pay-by-3; INR 2,500+ for standard EMI
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; 3X rewards on contactless payments
Virtual cardYes
App featuresSelfe Loans App: Real-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Convert to EMI, Rewards Tracking & Redemption, Autopay Setup, Raise Service Requests
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, ATM Withdrawal Toggle, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, OTP for Online Transactions, CVV+Expiry+OTP Combo, Tokenization (RBI Mandated), Instant Card Block Option
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)