Equitas Small Finance Bank Credit Card
Equitas Small Finance Bank offers credit cards that are designed to suit a wide range of users, especially those who are new to credit cards or those looking for specific benefits like travel rewards or RuPay-based usage. The bank keeps things simple by offering easy eligibility criteria, making it easier for first-time users to get started without much hassle.
At present, Equitas has three main credit card options – Tiga, Selfe, and PowerMiles. Each of these cards is built for a different type of user. For example, some cards focus more on everyday spending, while others offer better rewards on travel or lifestyle expenses. This allows users to choose a card based on their personal spending habits and financial needs.
These cards come with competitive reward structures, useful benefits, and co-branded partnerships that help users get more value from their regular expenses. Whether you spend more on shopping, travel, or daily needs, there is likely an option that fits your lifestyle.
Before applying, it is a good idea to compare all three cards carefully. Look at features like rewards, fees, benefits, and overall value-back. Once you understand which card matches your requirements the best, you can go ahead and apply for the Equitas Small Finance Bank Credit Card that gives you the maximum benefit.
Types of Equitas Small Finance Bank Credit Cards
Here are the main types of Equitas Small Finance Bank Credit Cards along with their key benefits to help you choose the right card based on your spending habits:
Joining Fee
₹0 + GST
Annual Fee
₹500 + GST
Rewards Type
Reward Points
Best For
Rewards Benefits
- Earn 3X rewards on UPI, contactless payments and EMI spends at partner merchants
- Save up to ₹3,000 annually on fuel expenses
Welcome Benefits
Enjoy annual fee waiver on spending ₹1.2 Lakh in a year.
- Earn 3 reward points per ₹100 on UPI, contactless and EMI spends at Pay-by-3 partner merchants
- Convert eligible purchases into a 3-month low-cost EMI with Pay-by-3
- Partner brands include Tata Cliq, Skullcandy, Tony & Guy, Netmeds, SLAM Fitness, Wedtree and more
- Earn 1 reward point per ₹100 on all other spends
- Redeem reward points for travel bookings, vouchers and products at 1 RP = ₹0.15
- Redeem points as cashback or Insta Redemption at 1 RP = ₹0.10
Joining Fee
₹5000 + GST
Annual Fee
₹5000 + GST
Rewards Type
Reward Points
Best For
Rewards Benefits
Welcome Benefits
Key Features of Equitas Small Finance Bank Credit Cards
Equitas Tiga Credit Card
Annual Fee: Rs. 500 + Taxes
Best for: Shopping with partner brands
- Earn 3 reward points per Rs. 100 on UPI, contactless payments, and Pay-by-3 partner spends
- Convert purchases into a 3-month low-cost EMI using Pay-by-3
- Partner brands include Tata Cliq, Skullcandy, Netmeds, SLAM Fitness, Wedtree and more
- Earn 1 reward point per Rs. 100 on other spends
- Reward value: Up to Rs. 0.15 per point on travel/products, Rs. 0.10 on cashback
Equitas Selfe Credit Card
Annual Fee: Rs. 1,000 + Taxes
Best for: Personalized category rewards
- Earn 10 reward points per Rs. 100 on any 2 selected categories (Apparel, Dining, Grocery, Utility, Taxi)
- Earn 2 reward points per Rs. 100 on other spends
- Reward value: Up to Rs. 0.35 per point on travel/products, Rs. 0.15 on cashback
- 1 complimentary domestic lounge visit per quarter
- Free memberships to any 2 platforms like Amazon Prime, Sony LIV, Zee5, etc.
Equitas PowerMiles Credit Card
Annual Fee: Rs. 5,000 + Taxes
Best for: Travel
- Earn 9 reward points per Rs. 100 on international spends
- Earn 3 reward points per Rs. 100 on other spends
- Convert reward points to air miles at 1:1 ratio with multiple partners
- Reward value: Up to Rs. 0.50 per point on travel/products, Rs. 0.25 on cashback
- Complimentary Club Marriott and EazyDiner memberships
- Airport lounge access with Priority Pass
- 8 domestic and 4 international lounge visits per year
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How to Apply for Equitas Small Finance Bank Credit Card
With MybankingTips, you can easily compare and apply for Equitas credit cards online. The application process steps are stated below as follows:
- Visit MybankingTips Credit Card Section
- Select Your Ideal Credit Card.
- Click on the ' Apply Now ' tab.
- Fill in the required details to find out if you are eligible to apply for the card.
- Once you have entered all the necessary information, click on ‘Submit’.
- After you have successfully provided all the required information, you will receive a message with your application ID.
Equitas Small Finance Bank Credit Card Fees and Charges
The table below shows some key charges applicable to Equitas Small Finance Bank Credit Cards:
Equitas Small Finance Bank Credit Card Eligibility & Documents Required
Here are the simple eligibility details and documents needed to apply for an Equitas Small Finance Bank Credit Card:
Common Eligibility Criteria
- Age: 22 to 60 years
- Occupation: Salaried individuals
Income Requirement (Card-wise)
- Equitas Tiga Credit Card: ₹5 lakh to ₹18 lakh annual income
- Equitas Selfe Credit Card: ₹5 lakh to ₹18 lakh annual income
- Equitas PowerMiles Credit Card: Above ₹18 lakh annual income
Documents Required
Proof of Identity (Any one):
PAN Card, Aadhaar Card, Passport, Voter ID, Driving License, OCI Card, PIO Card, NREGA Job Card, or any government-approved photo ID
Proof of Address (Any one):
Aadhaar Card, Passport, Driving License, Utility Bill (not older than 3 months), Ration Card, Property Documents, Bank Statement, or any government-approved address proof
Proof of Income:
Latest 1–2 salary slips (not older than 3 months), latest Form 16, or last 3 months’ bank statement
Make sure all documents are clear and updated to avoid delays in your application process.
Equitas Small Finance Bank Credit Card Customer Care
For any queries or complaints related to your credit card, you can contact customer care at 1800-103-2977.
You can also email your concerns to customerservice@equitasbank.com.
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FAQs
Yes, Equitas credit cards offer complimentary lounge access. The Selfe Credit Card provides domestic lounge access, while the PowerMiles Credit Card offers both domestic and international lounge visits.
These cards offer rewards on spends, lounge access, lifestyle memberships, and UPI transaction benefits via RuPay credit cards, along with other features.
- Tiga: Rs. 500
- Selfe: Rs. 1,000
- PowerMiles: Rs. 5,000
You can redeem reward points for cashback, vouchers, products, and travel bookings like flights and hotels.
You should immediately block your card by logging into the Selfe Loan app, using phone banking/IVR, or calling 1800-103-2977.