Question 1

What is Equitas Small Finance Bank?

Accepted Answer

Equitas SFB is an RBI-regulated small finance bank committed to financial inclusion. Their tagline "Beyond Banking" reflects their mission — when you bank with them, you contribute towards a better society. They offer savings accounts, FDs, loans, and three innovative credit cards.

Question 2

How to apply for Equitas credit card through CreditsIn?

Accepted Answer

Click "Apply Now" on any Equitas card above. Fill in basic details, and our team will guide you through the approval process. You can also earn referral rewards by sharing with friends!

Question 3

What is the Pay By 3 feature on Equitas Tiga?

Accepted Answer

Pay By 3 automatically converts your transactions with select merchants into 3-month low-cost EMIs. Combined with the introductory APR of just 0.99% p.m. for the first 3 months, it makes large purchases very affordable.

Question 4

How does the Equitas tier-based loyalty program work?

Accepted Answer

All three cards feature a 5-tier loyalty program: Blue (default) → Silver (₹25K/mo for 3 months) → Gold (₹40K/mo) → Platinum (₹60K/mo) → Diamond (₹1L/mo). Higher tiers unlock better reward rates, lounge access, golf, and even free flight tickets and hotel nights.

Question 5

What makes PowerMiles different from other travel cards?

Accepted Answer

PowerMiles offers a premium metal card, 1:1 air miles transfer to 10+ airline & hotel partners, Club Marriott + EazyDiner memberships (worth ₹12,549), only 2% forex markup, and up to ₹64,469 in annual benefits on ₹4.8L spend — making it one of the best value premium cards in India.

Question 6

Does Equitas offer lifetime free credit cards?

Accepted Answer

Equitas Tiga and Selfe cards have ₹500 annual fees that are waived on achieving minimum annual spends (₹1,20,000 for Tiga). PowerMiles fee of ₹5,000 is waived on ₹4,80,000 annual spend. Regular users effectively pay zero fees.

Question 7

Can I use Equitas credit cards for UPI payments?

Accepted Answer

Yes! The Equitas Tiga card offers 3X reward points on UPI spends, making it one of the few cards in India that actively rewards UPI credit card transactions.

Feature	🔵 Tiga	🟣 Selfe	🟡 PowerMiles
Card Type	Standard	Standard	Metal Card ✨
Joining/Annual Fee	₹500*	₹500*	₹5,000*
Fee Waiver Spend	₹1,20,000/yr	Qualifying spend	₹4,80,000/yr
Base Rewards	1 RP/₹100	Customizable	3 RP/₹100
Bonus Rewards	3X UPI/Tap/Pay By 3	Category-based	3X International
Key Feature	Pay By 3 Auto-EMI	Custom Categories	1:1 Air Miles (10+ airlines)
Forex Markup	3.5%	3.5%	2%
Lounge (Diamond)	Unlimited	Unlimited	Unlimited
Luxury Memberships	—	—	Club Marriott + EazyDiner
Annual Savings	₹4,902	Varies	₹64,469

Equitas Credit Cards 2026

Choose Your Equitas Card

Equitas Tiga Credit Card

Side-by-Side Comparison

Equitas Credit Card FAQs

Ready to Get Your Equitas Credit Card?