Equitas Small Finance Bank Credit Cards: Rewards Built Around You

Equitas Small Finance Bank offers three credit cards spanning premium metal travel rewards to affordable shopping cards for beginners.

Equitas PowerMiles Credit Card

Premium metal card with Club Marriott and EazyDiner memberships, low forex, and lounge access.

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Equitas Selfe Credit Card

Customizable card with a choice of two streaming memberships and 5X rewards on select categories.

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Equitas Tiga Credit Card

Lifetime-free card offering 3X rewards on UPI and contactless payments with 3-month EMI conversion.

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The Philosophy Behind Equitas Credit Cards for India's Informal Economy

Vasudevan P.N. founded Equitas Small Finance Bank in 2007 and aimed to serve people outside mainstream finance, such as customers without a credit history. The bank entered the credit card market in March 2025. But the more interesting fact is who it intended to serve. It still stands for fairness, transparency, and trust in serving the financially unserved and underserved.

That initiative still shows up in its credit card strategy. Equitas also believes credit shouldn't be confined to a single card. It gives you more than one way to use your credit. Equitas Bank Selfe Credit Card lets you customize key benefits, while the Equitas Tiga Credit Card adds Pay by 3 for eligible purchases. Then, Equitas PowerMiles Credit Cards are the finest Travel Credit Cards tailored to your travelling needs. That makes Equitas Small Finance Bank's credit card range more coherent than usual. So you can choose your ideal card without limiting your spending options.

Equitas Bank Credit Cards Are Built to Fit Your Earnings

Equitas Bank validates your irregular income through platform data and transaction history, not just salary slips. So if you are a gig worker or a freelancer, you can get faster approvals. You don’t require an existing CIBIL score in advance to be eligible for a credit card.

You can earn it through consistent card repayment and build it by 50 to 100 points within 12 months. So, if you don’t have a credit card history, then don’t worry; instead, check the best Equitas Credit Cards for your wallet below.

Cards	Best For	Key Feature	Annual Fees	Rewards
Equitas Bank Tiga Credit Card	UPI and contactless spenders	Pay by 3 on eligible purchases.	₹500 + GST. Waived at ₹1.20 lakh	3X rewards on UPI, contactless, and Pay by 3
Equitas Bank Selfe Credit Card	Customers seeking customization	Choose rewards, memberships, billing cycles, and networks.	₹1,000 + GST. Waived at ₹2.40 lakh	5X rewards on 2 selected categories
Equitas Bank PowerMiles Credit Card	Frequent travelers	Travel rewards, air miles, and lounge access	₹5,000 + GST. Waived at ₹4.80 lakh	3X rewards on eligible international POS spends

Even if your income as a borrower is not exactly like that of a salaried borrower, the bank is going to consider your relationship with your credit limit. The bank may also assess your credit card eligibility based on your FDs and borrowing history..

How Equitas Decides Your Credit Card Eligibility

The bank has no public CIBIL score cut-off for approval. Besides being an adult, there are no other requirements; final approval depends on how you manage your credit. The bank offers secured products in all three types for individuals who lack a credit history, with the exception that they are FD-backed.

The Equitas Bank credit card application process takes up to 10 working days. This is quicker than other banks because it doesn't require salary slips. Your card activates digitally and can take as little as 24 hours after approval. Then you can start using it immediately while you wait for your physical card. The Selfe app also handles all security features. Here, you can block your card instantly, view transactions in real time, and even limit your credit card spending.

Equitas Xchange Rewards Scale With Your Card Tier

Equitas Bank credit cards give you Xchange reward points on retail transactions. You won't earn points on fuel, rent, or government payments. The Equitas Tiga Credit Card offers 1 point for every ₹100 you spend.

Then, the Equitas Selfe Credit Card offers faster points on selected categories & international transactions. Generally, 1 airline mile is about ₹1, or ₹0.50 per mile, depending on the flight. Here is the real value of each of these cards in your pocket.

Redemption Option	Point Value	Built For	Redemption Speed
Instant Cashback at Partner Merchants	₹0.15 per point	All cardholders	Immediate
Cashback Against Statement	₹0.15 per point	All cardholders	Next billing cycle
Travel Bookings (Flights, Hotels)	₹0.35 per point	All cardholders	Manual redemption
Gift Vouchers & Catalogue	₹0.35 per point	All cardholders	7–10 days
Airline Miles (1:1 conversion)	1 point = 1 mile	PowerMiles only	Manual transfer
Tier-Based Bonus Points	Variable	Selfie, PowerMiles	Unlocked at spend thresholds
Milestone Rewards	Bonus points/vouchers	Selfie, PowerMiles	On achievement of ₹50K, ₹1L spent

Once you know what your credit card offers and how the points are calculated, it's time to assess the real impact on your income. Use the rewards calculator to estimate your expenses based on your actual spending pattern.

Frequently Asked Questions

Q1. What are the benefits of having an Equitas Small Finance Bank credit card?

Equitas Small Finance Bank credit cards come with personalized rewards. You get rewards such as airport lounge access and lifestyle benefits across credit card categories like Tiga, Selfe, and PowerMiles.

Q2. Who is eligible to get an Equitas Bank credit card?

To be eligible for an Equitas Small Finance Bank Credit Card, you must generally meet specific age, residency, and income criteria. Eligibility depends on the card variant you choose.

Q3. What is the annual fee for Equitas Bank credit cards?

Equitas Small Finance Bank credit card annual fees range from ₹500 to ₹5,000. In addition, applicable taxes may apply depending on your specific credit card.

Q4. Which Equitas Bank credit card is the best?

The best Equitas credit card depends on your spending habits. For instance, the Equitas PowerMiles Credit Card is best for travelers as it offers better 1:1 points-to-air-miles conversion, lounge access, etc.

Q5. Can I get an Equitas credit card without a CIBIL score?

Yes. You can consider an FD-backed Equitas secured credit card even if you do not yet have a CIBIL score.