SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for dining, grocery, and online.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on 2 chosen accelerated categories: apparel, dining, grocery, utility, or taxi.
Where value may drop
The renewal fee is waived only on Rs 2.4 lakh of annual spend. Fuel, rent, and wallet loads don't earn rewards. The 3.5% forex markup is high for overseas use.
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 |
|---|---|---|
| Other spends | Rs 8,000 | 1,920 |
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 2 Chosen Accelerated Categories: Apparel, Dining, Grocery, Utility, Or Taxi
10 Reward Points / Rs 100 spent (on 2 chosen categories)
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
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 |
|---|---|
| 2 chosen accelerated categories: apparel, dining, grocery, utility, or taxi | 10 Reward Points / Rs 100 spent (on 2 chosen categories) |
| All other retail spends | 2 Reward Points / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 1 complimentary domestic airport lounge access per calendar quarter (4 per year).
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
- Limited-period first-year-free offer currently live, excluding GST
- Choice of 2 complimentary OTT/brand memberships from: Amazon Prime, Jio Hotstar, Sony LIV, Zee5, or Discovery+ (claim within 90 days of issuance)
- Choice of card style: Regular plastic, eco-friendly Green (recycled plastic), or premium Metal variant
- Flexible billing date: Choose 12th, 16th, or 20th of every month
- 1% fuel surcharge waiver on transactions between Rs 500 and Rs 3,000
- Up to 50 days interest-free credit period on regular purchases
Additional details
- Reward points redeemable on Equitas Xchange portal (xchange.equitasbank.com) for products, vouchers, and travel
Eligibility
Check this before you apply.
Salaried
- Age: 22 – 60 years
- Minimum annual income: Rs 5 – 18 lakhs (approximate range)
- Subject to Equitas Small Finance Bank credit approval
Self-employed
- Age: 22 – 60 years
- Minimum annual income: Rs 5 lakhs (approximate)
- Subject to Equitas Small Finance Bank credit approval
Compare before you decide
Alternatives based on what you might want instead.
HDFC Bank Diners Club Privilege Credit Card
Best for dining, movies, smartbuy.
Indigo Axis Bank Credit Card
Best for indigo, flights, travel.
HSBC Live+ Credit Card
Best for dining, food delivery, grocery.