Equitas Small Finance Bank Credit Cards

About Equitas Small Finance Bank

Equitas Small Finance Bank, headquartered in Chennai, converted from an NBFC-MFI to a small finance bank in 2016 and primarily serves South India's savings and salary account holders. Its four-card lineup covers distinct use cases: PowerMiles for travel-focused rewards, Selfe and Tiga for everyday grocery and utility cashback with modest annual fees, and the Niyo Global co-branded card - built with fintech partner Niyo - for international spenders who want to avoid steep forex markup.

Card-by-Card Breakdown

Niyo Global is free and built specifically for international spenders who want to avoid the standard forex markup - the clear choice if cross-border spending is your priority, and it costs nothing to hold.

Equitas Tiga and Equitas Selfe cover everyday domestic spending at modest fees (₹500 and ₹1,000 respectively) - Selfe's higher fee buys a somewhat richer benefit set, worth it for higher-spend households.

Equitas PowerMiles is the premium outlier at ₹5,000, aimed squarely at frequent travelers - a poor fit if you don't travel enough to use its travel-focused reward structure, since the fee is 5-10x higher than the other three cards.

Applying for an Equitas Small Finance Bank Credit Card

Existing Equitas savings or salary account holders generally see simplified approval, consistent with the bank's financial-inclusion mandate as a small finance bank. New applicants need a minimum income around ₹3 lakh p.a. and a CIBIL score of 700+, with PowerMiles likely expecting a stronger income profile given its premium positioning.

PowerMiles earns 3 reward points (1 RP = ₹0.50) per ₹100 in chosen categories and travel, with 3X rewards on international spends; Selfe earns 5X points on 2 chosen categories; Tiga earns 3X points on UPI, contactless, and Pay-by-3 merchants; Niyo Global pays cashback in Global Coins on domestic spends and referrals, unlocked through international spending.

Explore the full card portfolio below to find the right card for your spending profile.