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🏛️ Equitas Small Finance Bank

Equitas Selfie Credit Card

4.1 / 5
💳 Visa
Best for:✨ Beginners✨ Digital Onboarding✨ Low Threshold Fee Waiver
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Equitas Small Finance BankVisa

Equitas Selfie Credit Card

Reward Points

Joining / Annual Fee

₹499

Waiver: Waived on ₹50,000 annual spend

Reward Rate

1.5% - 2% rewards on online spends & bill payments

Reward Points

Lounge Access

1 visit per quarter

Intl: Not included

Forex Markup Fee

2.5%

Standard markup

🎁

Welcome Bonus & Activation Offer

Welcome voucher bonus on card activation

💡

The Loot Verdict

Executive summary for savvy cardholders

👍 Good Choice

🎯 Ideal For

Users seeking max value in Beginners, Digital Onboarding, Low Threshold Fee Waiver.

⚡ Value Calculation

Annual Fee: ₹499. Easily recovered if annual spends exceed fee waiver benchmarks.

🧮

Interactive Net-Value & Cashback Calculator

Tailor your exact spend categories to calculate your true net annual profit and milestone rewards.

🔥 Up to 1.5% Returns
₹/ month
Presets:
Select Your Spend Profile:
Fee Waiver Goal: ₹50,000/yr🎉 100% Fee Waived!
Gross Rewards & Milestones

+₹5,400/yr

₹450/mo (Points + Milestone Vouchers)

Net Fee Paid

₹0 (Waived)

Spend >= Waiver threshold

Net Annual Profit

₹5,400

🔥 1.5% net return on your spend

⚖️ Pros & Cons

✓

What We Like

  • ✓Instant digital selfie onboarding
  • ✓Easy annual fee waiver on ₹50,000 annual spend
  • ✓1.5% reward rate on everyday online spends
✕

Things to Keep in Mind

  • ✕₹499 annual fee if spend threshold of ₹50k is not met
  • ✕Limited international travel privileges

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