SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, international, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on international pos and online purchases.
Where value may drop
The renewal fee is waived only on Rs 4.8 lakh of annual spend. Fuel, rent, and wallet loads don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
Considering Blue tier based on the current monthly spend. Higher tiers require the relevant monthly threshold to be met in all three months of each calendar quarter.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| International spends | Rs 5,000 | 5,400 |
| Other spends | Rs 8,000 | 2,880 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Equitas Privilege Program
Shared spend-based tiers for Tiga, Selfe, and PowerMiles.
| Tier | Required monthly spend | Equivalent quarterly spend |
|---|---|---|
| Blue | Base tier | - |
| Silver | Rs 20,000 | Rs 60,000 |
| Gold | Rs 40,000 | Rs 1,20,000 |
| Platinum | Rs 60,000 | Rs 1,80,000 |
| Diamond | Rs 1,00,000 | Rs 3,00,000 |
How tier qualification works
- Meet the monthly threshold in all 3 months of the calendar quarter.
- Tier status is reviewed quarterly and may be upgraded or downgraded.
- Calendar quarters are Apr-Jun, Jul-Sep, Oct-Dec, and Jan-Mar.
Benefits available across tiers
- Higher reward redemption value
- Bonus reward points
- Movie and shopping vouchers worth Rs 250
- Golf benefits
- One-way flight booking worth Rs 3,000
- Hotel room night worth Rs 3,500
Benefit availability varies by tier. The reward calculator's tier estimate assumes your spend is maintained evenly each month.
Official program termsBest for / avoid if
Who this card suits — and who should skip it.
Best for International POS And Online Purchases
9 Reward Points / Rs 100 spent (3X on international)
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 5,000 fee waives only at Rs 4.8 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| International POS and online purchases | 9 Reward Points / Rs 100 spent (3X on international) |
| All other retail spends | 3 Reward Points / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) at 40+ lounges.
- 1 complimentary international airport lounge visit per calendar quarter (4 per year) at 1000+ lounges worldwide.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions (surcharge waiver only, no reward points)
- Cash advance transactions
- EMI conversion transactions
- Wallet loading transactions
- Rent payments
- Government spends & tax payments
- Fees and charges
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Premium metal card
- Complimentary Club Marriott membership (up to 25% off on F&B, Hotel and Spa; complimentary membership for spouse)
- Complimentary EazyDiner Prime membership (25-50% savings, 2,000 welcome EazyPoints, and 2X EazyPoints on every meal)
- 24x7 global personal concierge services for travel, entertainment, and business
- Air accident cover of Rs 1 crore when flight tickets are booked with the PowerMiles card
- Zero lost card liability after reporting theft or fraud
- 1% fuel surcharge waiver on eligible transactions
- Up to 50 days interest-free credit period
Additional details
- Xchange Brands redemption is available at a 1:1 rate for Apple iMagine, Tanishq, Taj, M&S, and The Body Shop.
- The live public page says points can be converted to leading airline miles, but it does not publish the current partner list or transfer ratios.
Eligibility
Check this before you apply.
Salaried
- Age: 21 - 60 years
- Higher income bracket (premium card tier)
- Subject to Equitas Small Finance Bank credit approval
Self-employed
- Age: 21 - 60 years
- Higher income bracket (premium card tier)
- Subject to Equitas Small Finance Bank credit approval
Compare before you decide
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