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Niyo Global Card by Equitas Bank VS Equitas Small Finance Bank Tiga Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026
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CheQ AU Credit Card

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Niyo Global Card by Equitas Bank
Niyo Global Card by Equitas Bank
Equitas Small Finance Bank Tiga Credit Card
Equitas Small Finance Bank Tiga Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeNot Available
Spend Based Waiver
Spend Based WaiverRenewal fee waived on spending Rs. 1,20,000 in the previous anniversary year.
Foreign Transaction FeesNil on international transactions.
Foreign Transaction Fees
Interest Rate (APR)Nil on the card itself.
Interest Rate (APR)Introductory 0.99% per month for the first 3 months.

Rewards & Benefits

Welcome BonusEarn 2,500 Niyo Coins (worth ₹250) for every successful referral.
Welcome BonusLimited Period Offer: Get a Life-time Free Tiga Card today (excluding GST).
Rewards RateCashback in Global Coins on domestic spends & referrals; unlocked with international spends.
Rewards RateEarn 3x Reward Points on UPI, Contactless payments, and Pay-by-3 merchant spends; 1 RP for every Rs 100 on others.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 per transaction.

Travel & Lifestyle

Domestic Lounge AccessComplimentary airport lounge access at international terminals in India.
Domestic Lounge AccessComplimentary airport lounge visits in India, number not specified, subject to conditions.
International Lounge Access
International Lounge Access
Travel BenefitsZero forex markup on 130+ currencies, complimentary domestic international lounge access, travel deals, ATM locator.
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% waiver (max ₹100/cycle) on transactions between ₹500-₹3000.

Security & Other

Insurance BenefitsDICGC insurance cover up to ₹5 Lakhs for funds in the Niyo Global savings account.
Insurance BenefitsCoverage up to ₹10 lakhs against unauthorized transactions for lost/stolen card.
Cash Advance Charges3 free domestic ATM withdrawals/month (then ₹21+taxes); ₹110+taxes for international.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Niyo Global Card by Equitas Bank

Equitas Small Finance Bank Tiga Credit Card

Who is it for?

The Niyo Global Card, in partnership with Equitas Small Finance Bank, is a premier digital savings account and card tailored for frequent international travelers, students, and business professionals. It offers a significant advantage with zero forex markup on international transactions across 130+ currencies, ensuring substantial savings on global payments. Users also benefit from a high-interest digital savings account, earning up to 7% interest per annum, and complimentary lounge access at international terminals in India. This card is an ideal solution for efficient international finance management, combining travel perks with strong savings potential.

Who is it for?

The Equitas Tiga Credit Card is a rewards-oriented digital credit card from Equitas Small Finance Bank, offering a compelling value proposition for everyday spending. It provides up to 50 days of interest-free credit and accelerated 3x reward points on digital transactions like UPI and contactless payments. With a unique 'Pay by 3' program for EMI conversions and robust lost card liability coverage, it's ideal for users seeking a secure and rewarding card for their daily digital transactions.

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.

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.

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.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Equitas Small Finance Bank Tiga Credit Card(opens in new tab)