Equitas Small Finance Bank
PowerMiles Credit Card
SimplifyCards take:A good fit if you want a card built for travel, international, and lounge
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Best for International POS And Online PurchasesBest for
9 Reward Points / ₹100 spent (3X on international)
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Avoid if your spend is lowWatch out
The ₹ 5,000 fee waives only at ₹ 4.8 lakh/year, and some benefits can be spend-gated
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Good fit if you want a card built for travel, international, and loungeBottom line
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on international pos and online purchases
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| International POS And Online Purchases | 9 Reward Points / ₹100 spent (3X on international) |
| All Other Retail Spends | 3 Reward Points / ₹100 spent |
Redemption
Xchange Brandsupto ₹ 1 per reward point
Equitas Privilege Program
Shared spend-based tiers for Tiga, Selfe, and PowerMiles
| Tier | Required monthly spend | Equivalent quarterly spend | 1 Point value |
|---|---|---|---|
| Blue | Base tier | - | ₹ 0.50 |
| Silver | ₹ 20,000 | ₹ 60,000 | ₹ 0.50 |
| Gold | ₹ 40,000 | ₹ 1,20,000 | ₹ 0.50 |
| Platinum | ₹ 60,000 | ₹ 1,80,000 | ₹ 0.75 |
| Diamond | ₹ 1,00,000 | ₹ 3,00,000 | ₹ 1.00 |
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 ₹250
- Golf benefits
- One-way flight booking worth ₹3,000
- Hotel room night worth ₹3,500
Benefit availability varies by tier The reward calculator's tier estimate assumes your spend is maintained evenly each month
Official program termsImportant conditions
1
Domestic lounge8 visits per year
- 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) at 40+ lounges
2
International lounge4 visits per year
- 1 complimentary international airport lounge visit per calendar quarter (4 per year) at 1000+ lounges worldwide
3
Fee waiverRenewal fee waived on annual spends of ₹ 4.8 lakh
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 ₹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
Exclusions
Spending that does not earn reward points
- 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
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