Best Equitas Small Finance Bank Credit Cards

Top Equitas Small Bank Finance Credit Cards

Here is a list of the top three credit cards from Equitas Small Finance Bank.

Equitas Bank PowerMiles Credit Card

4.5/5★★★★★

• Joining Fee₹5,000 + GST
• Annual Fee₹5,000 + GST
• Best Suited ForTravel | Shopping
• Rewards TypeReward Points

Rewards Rate

3 Reward Points for ₹100 Spent; 3X Reward Points for International POS and Online Purchases

Welcome Benefits

Complimentary Club Marriott and EazyDiner Memberships

Equitas Bank Selfe Credit Card

4.5/5★★★★★

• Joining Fee₹1,000 + GST
• Annual Fee₹1,000 + GST
• Best Suited ForShopping
• Rewards TypeReward Points

Rewards Rate

2RPs/₹100 Spent & 5X Points for 2 Out of These Categories: Apparel, Dining, Grocery, Taxi, and Utility

Welcome Benefits

Choose 2 Complimentary Memberships From Amazon Prime, JioHotstar, Sony Liv, Zee5, or Reader’s Digest

Equitas Bank Tiga Credit Card

4.4/5★★★★★

• Joining Fee₹500 + GST
• Annual Fee₹500 + GST
• Best Suited ForShopping
• Rewards TypeReward Points

Rewards Rate

1RP/₹100 Spent, 3X RPs on UPI, Contactless Payments, and Pay-by-3 Merchants

Welcome Benefits

N/A

About Equitas Small Finance Bank Credit Cards

The Equitas Bank Tiga Credit Card is the bank’s entry-level offering, priced at a low annual fee of ₹500 + GST. The card automatically converts your purchases with select merchants to a 3-month EMI. Additionally, it provides users with a low interest rate of 0.99% for the first three months, allowing new users to familiarize themselves with credit card cycles. The Tiga Credit Card rewards users with 1 point for every ₹100 spent. Individuals earning between ₹2.5 lakh and ₹5 lakh annually are eligible for this card. Cardholders can receive up to 5 complimentary add-on cards with their primary card.

The Selfe Credit Card from the Equitas Small Finance Bank comes in three different variants. They are named as the Default Plastic Card (Blue), the Green Card, which is made out of recycled plastic, and the Metal card for a premium feel. The card has an annual fee of ₹1,000, while Green and the Metal variant have additional style charges of ₹250 and ₹3,500, respectively. Apart from that, the card offers 2 reward points for every ₹100 spent and allows users to earn an accelerated reward rate at 5X for select categories.

Equitas Bank’s PowerMiles is a premium product available for ₹5,000 plus GST annually. This card provides numerous travel benefits, making it ideal for travelers, such as complimentary lounge access, a Club Marriott membership, triple rewards on international purchases, and a low foreign exchange markup fee. Additionally, it includes a free EazyDiner membership and multiple options for redeeming reward points.

Equitas Small Finance Bank Credit Cards Eligibility Criteria

Equitas Small Finance Bank offers credit cards with varying income requirements. The Equitas Tiga, aimed at entry-level customers, requires an annual income between ₹2.5 lakh and ₹5 lakh. In contrast, the Equitas Selfe Card targets individuals with yearly earnings from ₹5 lakh to ₹18 lakh, while their premium option, the PowerMiles, is designed for those earning over ₹18 lakh annually. Additionally, applicants must be between 21 and 60 years old, have a credit score of 700 or more, meet the income criteria, and abide by the KYC regulations.

How do I pay Equitas Bank’s Credit Card Bill?

There are plenty of easy ways to pay your credit card bills, whether you prefer to do it online or offline. There are no extra fees for these transactions.

UPI Apps

• Launch any UPI-enabled app, such as BHIM, Google Pay, or PhonePe.
• Select ‘Pay UPI ID or number’ / Pay using ‘UPI ID’.
• Enter “cc.<10-digit mobile number><last six digits of card number>@equitas”.
• Specify the payment amount and confirm the transaction using your UPI PIN.

Payment Gateway

• Access the Selfe Loans App and navigate to the Credit Card Module.
• From the dashboard or the Bill Due area in Account Summary, click on Pay Now.
• Choose the payment amount and then click Pay Now.
• Choose Razorpay as the payment gateway, then select your preferred payment method: UPI, Net Banking, or debit card, and finish paying.

Internal Fund Transfer

To pay your Credit Card bill using your Equitas Bank Savings Account, just follow these simple steps:

• Log in to the Selfe Loans App and head over to the Credit Card Module.
• Click on ‘Pay Now’ from the Credit Card dashboard or find the option under the ‘Bill Due’ section in your Account Summary.
• Choose your payment amount and hit ‘Pay Now.’
• Select your Equitas Bank Savings Account as the source for your payment.
• Double-check your savings account details to make sure everything’s correct.
• Enter the OTP received on your registered mobile number to confirm.

IMPS (Immediate Payment Service)

• Log in to the Selfe App > Select Credit Card > Choose Pay Now > Select TAD/MAD/Another amount > Click Pay Now > View IMPS details > Complete the IMPS payment using any bank account.
• Access NetBanking or MobileBanking of another bank.
• To add your Equitas Credit Card as a beneficiary, select the ‘Bank Account’ or ‘Other Banks’ option (do not select the ‘Credit Card’ option).
• Enter the credit card number (16 digits) as the account number and the IFSC code as ESFB0CCARDS.
• Make an IMPS payment to this newly added beneficiary to settle your Credit Card bill.

Equitas Small Finance Bank Customer Support

Existing bank customers can contact Equitas Small Finance Bank customer care by filling out the Customer Service contact form. The bank has dedicated helplines for different queries. For instance, customers who have queries about Equitas SFB savings accounts can call the toll-free number 1800-103-1222. For general banking queries, call 1800 103 2977.

Customers can also send an email to the  Equitas Small Finance Bank customer care email address at customerservice@equitasbank.com. To report any unauthorized transactions, send an email to unauthtrnx@equitasbank.com.

Bottom Line

Equitas Small Finance Bank presents a diverse range of credit cards designed to meet varying customer needs, from new users to frequent travelers. The Tiga Credit Card serves as an affordable choice for those using credit for the first time, while the Selfe Credit Card offers flexibility through multiple variants and higher rewards. The PowerMiles Credit Card is specially crafted for frequent travelers, providing travel benefits and premium memberships. Each card features various advantages, annual fee waivers, and eligibility requirements tailored to different financial situations. Equitas Small Finance Bank Credit Cards offer multiple payment options and dedicated customer service, making them easy to manage.