Equitas Small Finance Bank
Equitas PowerMiles Credit Card
This is an invite only card
Top Benefits
Get 2 Complimentary Domestic Lounge Visits at 40+ Lounges and 1 International
visit at 1000+ lounges per quarter, plus convert reward points at 1:1 ratio to miles across 10+ airline & hotel partners
Enjoy Club Marriott Membership up to 25% off on F&B, Hotel & Spa
with complimentary spouse membership and EazyDiner Premium 25-50% savings + 2X EazyPoints on every meal + 2000 welcome EazyPoints
Best For
Shopping
Dining
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹5,900 ( ₹5000 + GST )
Annual Fees
₹5,900 ( ₹5000 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
18LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 3 reward points on every ₹100 spent (3X on international POS & online)
- Complimentary Club Marriott & EazyDiner Premium memberships
- Low 2% forex markup. 2 domestic + 1 international airport lounge visits per quarter
- 1:1 Xchange Miles transfer across 10+ airline & hotel partners
- 1:1 Xchange Brands for luxury redemption Apple imagine, Tanishq, Taj, M&S, The Body Shop
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.50
Redemption Options
- Products
- Flights & Hotel Booking
- Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payments
Wallet loads
Fuel
Government spends
GST / taxes
For Spends Waiver
Rent Payments
Wallet loads
Fuel
Government spends
GST / taxes
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 2% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹250, if applicable | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2.0% of the payment amount minimum ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees No fee is charged for credit card bill payment through Cash Deposit mode | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1,000 | ₹500 |
| ₹1,001 - ₹5,000 | ₹600 |
| ₹5,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1,000 |
| Above ₹50,000 | ₹1,200 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Get 2 Complimentary Domestic Lounge Visits at 40+ Lounges and 1 International
visit at 1000+ lounges per quarter, plus convert reward points at 1:1 ratio to miles across 10+ airline & hotel partners
Enjoy Club Marriott Membership up to 25% off on F&B, Hotel & Spa
with complimentary spouse membership and EazyDiner Premium 25-50% savings + 2X EazyPoints on every meal + 2000 welcome EazyPoints
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