{
  "id": "equitas-selfe",
  "locale": "hi",
  "name": "Equitas Selfe Credit Card",
  "bank": "Equitas Small Finance Bank",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "4 डोमेस्टिक एयरपोर्ट लाउंज/वर्ष (1 प्रति तिमाही)",
  "rewardsRate": "5X रिवॉर्ड्स 2 चुनी श्रेणियों पर (2.5%) · 2 अंक / ₹100 बेस खर्च · OTT मेंबरशिप्स",
  "bestFor": "कस्टमाइज़ेबल लाइफस्टाइल खर्च (कपड़े/डाइनिंग/राशन/यूटिलिटी), अमेज़न प्राइम व तिमाही लाउंज एक्सेस",
  "officialLink": "https://equitas.bank.in/personal-banking/pay/credit-cards/",
  "aiVerdict": {
    "score": 5.1,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 2.5,
  "affiliateId": "equitas-selfe",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Equitas Small Finance Bank — Selfe Credit Card schedule of charges",
    "Equitas Bank Custom Reward & Milestone Benefit guidelines"
  ],
  "feeWaiver": "₹1,50,000 के वार्षिक खर्च पर पूर्णतः शुल्क माफी",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "2 चुनी श्रेणियां",
      "value": "5X (5 अंक / ₹100 = 2.5%)"
    },
    {
      "key": "सामान्य रिटेल",
      "value": "2 अंक / ₹100 (1.0%)"
    },
    {
      "key": "एयरपोर्ट लाउंज",
      "value": "4 डोमेस्टिक / वर्ष (1/तिमाही)"
    },
    {
      "key": "स्वागत उपहार",
      "value": "अमेज़न प्राइम / OTT मेंबरशिप"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "₹1,50,000 / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "2 चुनी गई 5X श्रेणियां (Apparel/Dining/Grocery/Utility/Taxi)",
      "rate": "5X (5 pts / ₹100 = 2.5%)",
      "monthlyCap": "1,500 pts / माह",
      "perLakhSpent": "5,000 pts (₹2,500 मूल्य)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "2 pts / ₹100 (1.0%)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 pts (₹1,000 मूल्य)"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "श्रेणी 1 (जैसे डाइनिंग)",
      "multiplier": "5X",
      "rate": "2.5%",
      "monthlyCap": "1,500 pts / माह",
      "dailyCap": "—",
      "note": "प्रति ₹100 पर 5 अंक।"
    },
    {
      "channel": "श्रेणी 2 (जैसे ग्रॉसरी)",
      "multiplier": "5X",
      "rate": "2.5%",
      "monthlyCap": "1,500 pts / माह",
      "dailyCap": "—",
      "note": "प्रति ₹100 पर 5 अंक।"
    },
    {
      "channel": "शुल्क माफी",
      "multiplier": "100%",
      "rate": "₹1,000 की छूट",
      "monthlyCap": "1 / वर्ष",
      "dailyCap": "—",
      "note": "₹1.5 लाख खर्च पर पूरी फीस माफ।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.50 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट कैश क्रेडिट",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंप खरीद (सरचार्ज माफी के बाहर)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,000 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,000 + GST (₹1.5 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.49% प्रति माह (41.88% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹35,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹4.5 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}