About Equitas Tiga Credit Card
The Equitas Tiga Credit Card is a great entry-level credit card designed for beginners, offering a low annual fee and easy eligibility. It provides 3 reward points per ₹100 on UPI and contactless payments, along with 3X rewards on EMI spends at select Pay by 3 merchants like Tata Cliq and Netmeds. For all other spends, you earn 1 reward point per ₹100, making it a solid rewards credit card for everyday usage.
In addition, this credit card comes with a fuel surcharge waiver, low-cost EMI options, and an introductory interest rate of 0.99% for the first three months. Cardholders can also unlock milestone-based benefits like Amazon vouchers, movie tickets, and bonus rewards, making it a well-rounded option for new users.
Equitas Tiga Credit Card Rewards Program
Reward Earning
- Earn 3 reward points per ₹100 on UPI, contactless payments and EMI spends at Pay by 3 merchants
- Earn 1 reward point per ₹100 on other spends
Reward Redemption
- Redeem points for products, vouchers, flights, bus and hotel bookings at ₹0.15 per point
- Redeem points for cashback and Insta Redemption at ₹0.10 per point
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Fuel Benefit
- Get 1% fuel surcharge waiver on spends between ₹500–₹3,000, up to ₹100 per month
Also Read: Best Fuel Credit Cards
Fee Waiver
- Annual fee waived on ₹1.2 lakh spends in a year
Other Benefits
- Pay by 3: Convert merchant spends into a 3-month low-cost EMI
- Enjoy low interest rate of 0.99% for the first 3 months
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Particulars |
Amount |
| Joining Fee |
Nil |
| Annual Fee |
Rs. 500 + Applicable Taxes |
| Finance Charges |
3.75% p.m. (45% p.a.) |
| Late Payment Charges |
| On outstanding balance of – |
|
| Less than Rs. 100 |
Nil |
| Between Rs. 101 & Rs. 500 |
Rs. 100 |
| Between Rs. 501 & Rs. 5,000 |
Rs. 500 |
| Between Rs. 5,001 & Rs. 10,000 |
Rs. 750 |
| Between Rs. 10,001 & Rs. 25,000 |
Rs. 900 |
| Between Rs. 25,001 & Rs. 50,000 |
Rs. 1,000 |
| More than Rs. 50,000 |
Rs. 1,200 |
|
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Document Required For Equitas Tiga Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Equitas Tiga Credit Card Highlights
What do we like about this card?
- 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
Things to Know Before you apply
Get this card if:
- You want a low annual fee credit card with useful everyday benefits
- You frequently shop at Pay by 3 partner brands like Tata Cliq, Tony & Guy, Netmeds, and more
- You prefer making payments through UPI and contactless transactions for daily spends
Pros
- Earn higher rewards on EMI transactions at partner merchants
- 3X reward points on UPI, contactless, and Pay-by-3 spends
- Comes with a low introductory interest rate of 0.99% for the first 3 months
Cons
- Reward redemption value is limited to up to ₹0.15 per point
- No complimentary travel or airport lounge benefits
- Bonus rewards are applicable only on selected partner brands
Equitas Small Finance Bank Credit Card Contact Details
Contact Address : 4th Floor, Spencer Plaza, No. 769, Phase II, Anna Salai, Chennai - 600 002. (Ph: 044 4299 5000)
Helpline Number : 1800-103-1222 (Toll Free)
Loans/Credit Card related : 1800-103-2977
Countries outside India: +91-44-6965-4600
Email : customerservice@equitas.bank.in