Equitas Small Finance Bank · Entry
Selfe
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Rs 0.35 per point on travel, vouchers and catalogue; Rs 0.15 on cashback and instant redemption. Rs 99 fee per redemption, minimum 500 points for cashback, points expire after 24 months.
Points valued at ₹0.35/pt - conservative, what rankings use
10 pts / Rs 100 on dining (if picked as one of your 2)
Dining out · 10 pts / ₹100 · pick 2 from this pack group
how it works
The cardholder picks any 2 of the 5 categories (Apparel, Dining, Grocery, Utility, Taxi) at application; the choice is fixed for the card's life, and with none chosen the default is Apparel and Dining. Other spend earns 2 RP per Rs 100.
Source: Selfe T&C 3.1: "Selected Categories (any 2 chosen by Cardholder): 5X rewards equivalent to 10 RP per Rs100 spent"; 3.2 lists the MCCs - equitas.bank.in - read 23 Oct 2026
3.50%
10 pts / Rs 100 on apparel (if picked as one of your 2)
Fashion · 10 pts / ₹100 · pick 2 from this pack group
how it works
The cardholder picks any 2 of the 5 categories (Apparel, Dining, Grocery, Utility, Taxi) at application; the choice is fixed for the card's life, and with none chosen the default is Apparel and Dining. Other spend earns 2 RP per Rs 100.
Source: Selfe T&C 3.1: "Selected Categories (any 2 chosen by Cardholder): 5X rewards equivalent to 10 RP per Rs100 spent"; 3.2 lists the MCCs - equitas.bank.in - read 23 Oct 2026
3.50%
10 pts / Rs 100 on grocery (if picked as one of your 2)
Groceries · 10 pts / ₹100 · pick 2 from this pack group · 2,000 reward points per month
how it works
The cardholder picks any 2 of the 5 categories (Apparel, Dining, Grocery, Utility, Taxi) at application; the choice is fixed for the card's life, and with none chosen the default is Apparel and Dining. Other spend earns 2 RP per Rs 100. The MITC caps grocery and utility points at 2,000 a month for each category.
Source: Selfe T&C 3.1 and 3.2 (5X on 2 chosen categories, MCC list); MITC v1.3 section 8: "Reward Points earned on Grocery and Utility transactions will be capped at 2000 reward points per month for each category." - equitas.bank.in - read 23 Oct 2026
3.50%
10 pts / Rs 100 on utility bills (if picked as one of your 2)
Utility bills, Mobile / broadband · 10 pts / ₹100 · pick 2 from this pack group · 2,000 reward points per month
how it works
The cardholder picks any 2 of the 5 categories (Apparel, Dining, Grocery, Utility, Taxi) at application; the choice is fixed for the card's life, and with none chosen the default is Apparel and Dining. Other spend earns 2 RP per Rs 100. The MITC caps grocery and utility points at 2,000 a month for each category.
Source: Selfe T&C 3.1 and 3.2 (5X on 2 chosen categories, MCC list); MITC v1.3 section 8: "Reward Points earned on Grocery and Utility transactions will be capped at 2000 reward points per month for each category." - equitas.bank.in - read 23 Oct 2026
3.50%
10 pts / Rs 100 on taxi (if picked as one of your 2)
Cabs & transit · 10 pts / ₹100 · pick 2 from this pack group
how it works
The cardholder picks any 2 of the 5 categories (Apparel, Dining, Grocery, Utility, Taxi) at application; the choice is fixed for the card's life, and with none chosen the default is Apparel and Dining. Other spend earns 2 RP per Rs 100.
Source: Selfe T&C 3.1: "Selected Categories (any 2 chosen by Cardholder): 5X rewards equivalent to 10 RP per Rs100 spent"; 3.2 lists the MCCs - equitas.bank.in - read 23 Oct 2026
3.50%
Everything else
2 pts / ₹100
source
Source: Equitas Selfe Credit Card page: "Choose between Visa & RuPay for seamless payments"; "Earn 2RP on every Rs.100 spent. 1 RP= 0.35" - equitas.bank.in - read 23 Oct 2026
0.70%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Fuel
Fuel earns no reward points (the bank lists no MCC codes for this exclusion).
use IndianOil RBL XTra 7.5%
source
categories: Fuel
Source: Selfe T&C 3.1: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
Rent
Rent earns no reward points.
use Axis Burgundy Private 4.2%
source
categories: Rent
Source: Selfe T&C 3.1: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
Wallet load
Wallet loads earn no reward points.
use SC Ultimate 3.3%
source
categories: Wallet load
Source: Selfe T&C 3.1: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
Government / tax
Government payments earn no reward points.
use Biz Black Metal Edition 2.5%
source
categories: Government / tax
Source: Selfe T&C 3.1: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
EMI
EMI conversions earn no reward points.
use Kotak Solitaire 3.0%
source
categories: EMI
Source: Selfe T&C 3.1: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
Bank terms we cannot price for you yet - they depend on something we do not know. Rankings leave them out.