Equitas PowerMiles Credit Card
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.
- Joining FeeFree
- Annual Fee₹5,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 9 pts per ₹100 on international spend
- Base 1.50% on other spends
- Not applicable
signaturepremiumRewards and 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.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.5% = ₹225/mo
- Groceries₹8,000 · 1.5% = ₹120/mo
- Dining & food delivery₹8,000 · 1.5% = ₹120/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.5% = ₹150/mo
- Utilities & bills₹5,000 · 1.5% = ₹75/mo
₹8,280 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- 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.
- 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).
- No reward-points cap of any kind on the 3X international accelerated points per the official PowerMiles T&C (dated 23-Jun-2026, read end-to-end; retrieved 2026-07-05). Aggregator 2000-RP grocery/utility caps are not in the issuer document.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
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.