About Equitas PowerMiles Credit Card
The Equitas PowerMiles Credit Card from Equitas Small Finance Bank is a feature-rich premium credit card built for frequent travellers and high spenders. This metal card offers accelerated rewards on international transactions, with points redeemable across airline and hotel partners through the Equitas Xchange Program at a 1:1 transfer ratio. Along with this, cardholders also get complimentary worldwide airport lounge access via Priority Pass and premium memberships like Club Marriott and EazyDiner, making it a valuable travel credit card for luxury travel benefits.
Apart from travel perks, the card also rewards higher spending with tier-based lifestyle benefits such as movie vouchers, bonus reward points, golf access, Amazon and Flipkart vouchers, complimentary hotel stays, and travel tickets. Higher spending tiers further unlock improved reward redemption value and reduced forex mark-up charges, making this premium credit card suitable for users looking for luxury, travel, and lifestyle benefits in a single card.
Equitas PowerMiles Credit Card Rewards Program
Reward Earnings
- Earn 9 reward points per ₹100 on international spends
- Earn 3 reward points per ₹100 on other purchases
Reward Redemption
- 1:1 reward transfer ratio with 10+ airline, hotel and brand partners under the Xchange Program
- Redeem reward points for products, vouchers and travel bookings at 1 RP = ₹0.50
- Redeem points as cashback or Insta Redemption at 1 RP = ₹0.25
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Rs. 5,000 + Applicable taxes |
| Annual Fee | Rs. 5,000 + Applicable taxes (waived on Rs. 4.8 lakh annual spends) |
| Finance Charges | 3.75% per month or 45% per annum |
| Forex Mark-up Fee | 2% |
| Late Payment Charges | | On outstanding balance of: | | | Less than Rs. 100 | Nil | | Rs. 101 to Rs. 500 | Rs. 100 | | Rs. 501 to Rs. 5,000 | Rs. 500 | | Rs. 5,001 to Rs. 10,000 | Rs. 750 | | Rs. 10,001 to Rs. 25,000 | Rs. 900 | | Rs. 25,001 to Rs. 50,000 | Rs. 1,000 | | More than Rs. 50,000 | Rs. 1,200 |
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Equitas PowerMiles Credit Card Highlights