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Joining Fee
₹199 + GST
Annual Fee
₹199 + GST
Reward Rate
1% cashback on all eligible spends
Lounge Access
None
Forex Markup
3.5%
Fuel Waiver
1%
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Key Features & Benefits
  • 1% cashback on all eligible spends
  • Issued against Equitas Fixed Deposit
  • No income proof required for FD-backed variant
  • 1% fuel surcharge waiver
  • Very low ₹199 annual fee
  • Annual fee waiver on ₹50,000 spend
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Welcome & Joining Benefits
  • Check bank's official website for current benefits
Milestone Benefits
  • ₹50,000 annual spend → fee waived
Pros & Cons

✓ Advantages

  • FD-backed — accessible without credit history
  • Very low ₹199 fee
  • Good for Equitas Bank customers in South India

✗ Disadvantages

  • No lounge
  • 3.5% forex
  • 1% is basic cashback
Frequently Asked Questions
How much FD do I need for Equitas Selfe?
Equitas issues the secured credit card against your Fixed Deposit with Equitas Bank. The credit limit is typically 80–90% of the FD value. Minimum FD amount varies — check Equitas Bank's current requirements.
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