Equitas Bank Selfe VS Tiga Credit Card

With an ever-growing list of cards promising rewards, perks, flexibility, and convenience, choosing the right one can get confusing. This makes the comparison between the Equitas Bank Selfe and Tiga Credit Cards particularly relevant, as both cards are for everyday spending but cater to slightly different needs. The Selfe Credit Card focuses on higher rewards and lifestyle benefits, offering reward points on regular spends and points on two selected categories, along with complimentary memberships from platforms such as Amazon Prime, JioHotstar, SonyLIV, and Zee5. On the other hand, the Tiga Credit Card offers reward points on UPI, contactless, and Pay-by-3 transactions, along with a three-month EMI option on eligible merchant transactions.

With differences in their reward structures, fees, lifestyle benefits, and spending-focused features, comparing Selfe and Tiga can help determine which Equitas credit card offers better value for your individual spending needs.

Understanding the Fee Difference

When it comes to fees, the Equitas Bank Selfe Credit Card and Tiga Credit Card have different fee structures. The Selfe Credit Card comes with a joining fee of ₹1,000 + GST and an annual fee of ₹1,000 + GST. However, the annual fee can be waived if you spend ₹2 lakh in a year, which can make the card more cost-effective for people who use it regularly.

In comparison, the Tiga Credit Card has an annual fee of ₹500 + GST, which can be waived if the user spends ₹1.2 lakh in the previous anniversary year. This makes Tiga a more affordable option in terms of the annual fee and its lower spending requirement for a waiver. Simply put, Selfe may make more sense for users who can meet its higher spending requirement and want to make the most of its additional benefits, while Tiga could be a better choice for those looking for a lower annual fee and an easier waiver threshold.

Which Card Offers Better Welcome Benefits

The Equitas Selfe Credit Card has an advantage in welcome benefits. With Selfe, you can choose two complimentary memberships from popular options such as Amazon Prime, JioHotstar, SonyLIV, Zee5, and Reader’s Digest. This can be useful if you already spend time on streaming or shopping platforms, as you can enjoy these memberships without paying for them separately.

In comparison, the Tiga Credit Card does not offer any welcome benefits. So, if getting an extra benefit as soon as you get your credit card matters to you, Selfe is the better choice between the two.

Which Card Gives You More Rewards

The Equitas Selfe Credit Card offers a higher reward rate than the Tiga Credit Card, especially if you spend regularly on categories such as dining, grocery, apparel, taxi, or utility bills. With Selfe, you earn 2 reward points for every ₹100 spent, and you can choose any two of these categories to earn 5X reward points. This means you can pick the categories where you spend the most and earn more rewards from them. For example, if you often spend on groceries and dining, selecting these two categories can help you earn more points on those expenses.

The Tiga Credit Card gives 1 reward point for every ₹100 spent, which is lower than Selfe’s base rate. However, you can earn 3X reward points on UPI, contactless payments, and Pay-by-3 transactions.

Therefore, Tiga can be a better choice if most of your everyday payments are made through UPI or contactless transactions. In simple terms, Selfe is more rewarding for people who spend heavily in its selected categories, while Tiga is better for those who make frequent UPI and contactless payments. If your spending fits Selfe’s 5X categories, Selfe is likely to give you more rewards overall.

Key Features Compared

Bottom Line

The Equitas Selfe Credit Card is a better option for users who want to earn higher rewards and make regular payments in categories such as dining, grocery, apparel, taxi, or utility bills. The option to choose two categories for 5X rewards, along with complimentary memberships from popular platforms, can make the card more valuable if you use these benefits regularly. However, you should also keep in mind its ₹1,000 + GST annual fee, which is waived only when you meet the required annual spending criteria.

On the other hand, the Equitas Tiga Credit Card is a better fit for users who want to avoid card fees altogether. Since it is a lifetime-free card, you do not have to worry about paying a joining or annual fee. Its 3X rewards on UPI, contactless, and Pay-by-3 transactions can also be useful for people who make most of their everyday payments through these methods. Therefore, Selfe is the better choice if your spending matches its reward categories and you can make use of its lifestyle benefits, while Tiga is a better choice if you want a simple, lifetime-free card with rewards on everyday digital payments.