Equitas PowerMiles Credit Card
Updated 5 Jul 2026Source-linked
The Equitas PowerMiles Credit Card is a premium credit card from Equitas Small Finance Bank, with a joining fee of ₹5,000 + GST.
It earns up to 9 pts per ₹100 (≈4.5% value) on international spend spends in the form of reward points (points).
Cardholders get 2 quarterly domestic + 1 quarterly international airport lounge access.
Equitas
Equitas PowerMiles Credit Card
- Joining FeeFree
- Annual Fee₹5,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 9 pts per ₹100 on international spend
- Base 1.50% on other spends
Welcome Benefits
- Not applicable
Equitas Small Finance Banksignaturepremium
signaturepremiumRewards and Benefits
Rewards Rate
9 pts per ₹100 on international spend
Base 1.50% on other spends.
Reward Redemption
1 RP = 1 Mile/Point, transferable to select airlines/hotels at 1:1 (feature live from Sep-2026); also 1:1 on the Xchange luxury catalogue (Apple, Tanishq, Taj, M&S, The Body Shop).
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
1 visit each quarterly.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Club Marriott membership — Complimentary Club Marriott membership — discounts on hotel stays, dining and spa.
- EazyDiner membership — Complimentary EazyDiner Prime membership — up to 50% savings + welcome 2,000 EazyPoints, 2X EazyPoints per meal.
Fees & Charges
Spend-Based Waiver
₹4,80,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
N/A
Fuel Surcharge Waiver
N/A
Cash Advance Charges
N/A
Product Details
- premium card issued by Equitas Small Finance Bank.
- Joining / annual fee of ₹5,000 + GST, waived on annual spends of ₹4,80,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly) + international (1/quarterly).
Pros & Cons
Pros
- Annual fee waivable on ₹4,80,000 spend.
- Strong base reward rate of 1.50%.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- Accelerated earn worth ≈4.5% on international spend.
Cons
- High annual fee of ₹5,000.
- No rewards on fuel spends.
Accelerated rewards
- 9 pts per ₹100 on international spend3x reward points (9 RP per Rs 100) on all international POS & online transactions — ~4.5% value at 1 RP = Rs 0.50 (Blue base tier).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
2 visit(s) / quarterly. Via visa.
International
1 visit(s) / quarterly. Via visa.
Other benefits
- Club Marriott membership. Complimentary Club Marriott membership — discounts on hotel stays, dining and spa.
- EazyDiner membership. Complimentary EazyDiner Prime membership — up to 50% savings + welcome 2,000 EazyPoints, 2X EazyPoints per meal.
Sources
- : equitas.bank.in · retrieved 5 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹15,00,000 p.a.
Eligibility income/age are premium-tier defaults, not published on the product page.