Equitas Small Finance Bank
Tiga Credit Card
SimplifyCards take:A good fit if you want a card built for UPI and fuel
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Best for UPI, Contactless, And Pay-By-3 Merchant SpendsBest for
3 Reward Points / ₹100 spent
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for UPI and fuelBottom line
It offers accelerated rewards on UPI, contactless, and pay-by-3 merchant spends
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 |
|---|---|
| UPI, Contactless, And Pay-By-3 Merchant Spends | 3 Reward Points / ₹100 spent |
| Other Retail Spends | 1 Reward Point / ₹100 spent |
Redemption
Equitas Xchangeupto ₹ 0.15 per reward point
Equitas Privilege Program
Shared spend-based tiers for Tiga, Selfe, and PowerMiles
| Tier | Required monthly spend | Equivalent quarterly spend |
|---|---|---|
| Blue | Base tier | - |
| Silver | ₹ 20,000 | ₹ 60,000 |
| Gold | ₹ 40,000 | ₹ 1,20,000 |
| Platinum | ₹ 60,000 | ₹ 1,80,000 |
| Diamond | ₹ 1,00,000 | ₹ 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 ₹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
Fee waiverRenewal fee waived on annual spends of ₹ 1.2 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Limited-period first-year-free offer currently live, excluding GST
- Pay by 3: Eligible transactions at select merchants (TATA Cliq, Netmeds, Skull Candy, 1% Club, etc.) auto-converted into 3-month low-cost EMI
- Introductory interest rate of 0.99% per month for first 3 months from card issuance
- Up to 50 days interest-free credit period on regular purchases
- 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (up to ₹100 per month)
- Complimentary air accident cover, credit shield, and lost card liability insurance
Additional details
- Reward points redeemable on Equitas Xchange portal (xchange.equitasbank.com) for products, vouchers, and travel
Eligibility
Check this before you apply
Salaried
- Minimum annual income: ₹4.2 – 5 lakhs
- Age: 21 – 60 years
- Subject to Equitas Small Finance Bank credit approval
Self-employed
- Minimum annual income: ₹4.2 – 5 lakhs
- Age: 21 – 60 years
- 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
Compare before you decide
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