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Equitas Selfe cashback rate, cap and annual fee

Equitas Selfe pays 1.5% at if chosen as one of the two 5X categories, and 6 other rates. The card costs INR 1,000 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

Equitas Small Finance Bank · India · catalogue v117

Read from Equitas Small Finance Bank's own published terms on 29 Oct 2026.

INR 1,000Annual fee
1.5%Best rate

What it pays, by category

SpendingRateMonthly cap
if chosen as one of the two 5X categoriesdining1.50%—5X, 10 per ₹100 at MCC 5462, 5812, 5814.
if chosen as one of the two 5X categoriesgroceries1.50%—5X, 10 per ₹100 at grocery MCCs.
apparel, if chosen as one of the two 5X categoriesretail and department stores1.50%—5X, 10 per ₹100 on apparel MCCs.
utility bills, if chosen as one of the two 5X categoriesgovernment1.50%—5X on utility bills (MCC 4900).
if chosen as one of the two 5X categoriesphone and internet1.50%—5X on phone bills (MCC 4814), part of the utility choice.
taxis, if chosen as one of the two 5X categoriestravel1.50%—5X on taxis (MCC 4121).
everything else0.30%—2 Reward Points per ₹100 on eligible spends.
governmentNone—Government payments earn no points.
fuelNone—Fuel earns no points.
rent and propertyNone—Rent earns no points.
Lower reading: Equitas prices a point at INR 0.35 for travel, vouchers and catalogue and INR 0.15 for cashback or instant redemption; the INR 0.15 is kept, so 0.3% and 1.5% on the two chosen 5X categories. Every 5X rate is a holder's choice and is tagged (default: apparel and dining). Fuel, rent, wallet loads, government payments, cash and EMI earn no points. INR 1,000 a year, waived on INR 2.4 lakh. 3.5% forex markup. Offered on Visa or RuPay at the holder's choice (RuPay if none is chosen); Visa kept. The old entry was read from paisabazaar. Source: equitas.bank.in Selfe page and FAQs, read 29 Oct 2026.

Questions people ask

What cashback does the Equitas Selfe pay?

1.5% at if chosen as one of the two 5X categories, and 6 other rates.

Is there a cap on the Equitas Selfe?

No monthly cap is published on the rates shown here.

What is the annual fee on the Equitas Selfe?

INR 1,000 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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