Equitas Small Finance Bank PowerMiles Credit Card VS Equitas Small Finance Bank Selfe Credit Card VS Equitas Small Finance Bank Tiga Credit Card VS Niyo Global Card by Equitas Bank
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Equitas Small Finance Bank PowerMiles Credit Card
Equitas Small Finance Bank Selfe Credit Card
Equitas Small Finance Bank Tiga Credit Card
Niyo Global Card by Equitas Bank
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Premium metal card offers an elevated and luxurious user experience.
Benefit from exclusive Club Marriott and EazyDiner memberships with great savings.
Enjoy low 2% forex markup, making international transactions more economical.
Get complimentary lounge access, with 2 domestic and 1 international visit per quarter.
Comprehensive insurance, including ₹1 Cr air accident cover and zero lost card liability.
Pros
Key benefits and features.
Highly customizable, allowing choice of reward categories, memberships, card design, and billing date.
Earn accelerated 5X reward points on 2 preferred spending categories for maximized benefits.
Enjoy complimentary domestic lounge access once per calendar quarter, up to 4 visits annually.
Benefit from up to 50 days of interest-free credit on your purchases, enhancing financial flexibility.
First year free offer and renewal fee waiver on a reasonable annual spend of ₹2,40,000.
Pros
Key benefits and features.
Life-time free offer makes the Equitas Tiga Card highly accessible with no joining fee.
Accelerated rewards on digital spends like UPI and contactless payments are a major plus.
Unique Pay by 3 program converts large spends into easy EMIs at no extra cost.
Enjoy up to 50 days of interest-free credit, aiding financial management and flexibility.
Lost card liability cover of ₹10 lakhs provides significant security against fraud.
Pros
Key benefits and features.
Enjoy zero forex markup on international transactions, saving significantly on global spends.
Benefit from a high-interest digital savings account offering up to 7% interest p.a.
Access complimentary airport lounges at international terminals within India.
Manage your card easily with a feature-rich mobile app including ATM locator and currency converter.
No joining or annual fees make the Niyo Global Card a cost-effective choice for travelers.
Cons
Key drawbacks and limitations.
The card comes with a significant annual joining and renewal fee of ₹5,000.
The 1:1 miles conversion feature is not immediately available, only from Jan 2026.
Luxury memberships have a strict 90-day claim window, which can be easily missed.
Fuel surcharge waiver is capped and only applicable within specific transaction ranges.
Cons
Key drawbacks and limitations.
A redemption fee of ₹99 is charged for every reward point redemption transaction.
High foreign currency markup of 3.5% on all international transactions.
Reward points expire after 24 months if not redeemed within the specified period.
Accelerated rewards are strictly based on MCCs, which may not always align with perceived categories.
Complimentary memberships must be claimed within 90 days of card issuance, with strict deadlines.
Cons
Key drawbacks and limitations.
A ₹99 fee is charged for every reward point redemption transaction, reducing value.
Reward points expire after 24 months if not redeemed, requiring timely action from users.
Lounge access details are vague, with no specific number of complimentary visits mentioned.
Cash advances do not earn reward points, limiting their utility for quick cash needs.
Renewal fee waiver requires a high annual spend of ₹1,20,000, which might be challenging.
Cons
Key drawbacks and limitations.
The Niyo Global Card does not offer complimentary international lounge access abroad.
Cash advance charges apply for ATM withdrawals, both domestic (after 3 free) and international.
Specific reward earning rates for general spends are not clearly defined for Global Coins.
Tax Collected at Source (TCS) of 20% is applicable on international spends exceeding ₹7 Lakhs.
The virtual card variant is restricted to online domestic transactions only.