Skip to content
COFFERCards. Points. Value.
Back
Equitas Small Finance Bank Tiga Credit Card
Equitas Small Finance Bank

Equitas Small Finance Bank Tiga Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Point

First-year fee

₹500 to join.

Annual fee

₹500 a year.

What it gives back

1 Reward Point per ₹100 · everyday spends

Read from 6 Equitas Small Finance Bank documents, last checked 8 Nov 2026.

Apply on Equitas Small Finance Bank
How it compares

Compared with the cards we have read

₹500 annual fee: of the 447 other open cards whose annual fee we have read, 208 state a lower one, 33 state the same and 206 state a higher one.

Get alerts for this card

Fees

  • Joining fee

    ₹500 to join.

  • Annual fee

    ₹500 a year.

  • Fee waiver rule

    Spend ₹1,20,000 in the previous anniversary year to get your renewal fee waived

Rewards

  • Reward rate

    1 Reward Point per ₹100 · everyday spends1 Reward Point for every ₹100 spent.

  • Reward exclusions

    Transactions such as fuel, rent, wallet loads, government payments, cash advances, and EMI conversions are excluded from earning reward points unless specified otherwise.

  • What one reward unit is worth

    ₹0.15 for travel/vouchers and ₹0.10 for cashback redemption.

Also included

  • Fuel surcharge waiver

    Save more with a 1% waiver on fuel transactions across India (up to ₹100 per statement cycle on transactions between ₹500 and ₹3,000)

  • Lost card liability

    Enjoy peace of mind with lost card liability.

  • Add-on card eligibility

    Add-on Cardmember: an individual who is a resident Indian / NRI / Foreign National working in India, and a member of the immediate family of Primary Cardmember viz. spouse, brothers, sisters, parents, children, and is above the age of 18 years.

  • Purchase to EMI conversion

    Pay by 3 program: eligible transactions at select merchants are automatically converted into a 3-month EMI.

Charges

  • Forex markup

    Upto 3.50%, excluding GST

  • Cash advance fee

    2.5% of advanced amount (minimum ₹250), excluding GST

  • Interest on unpaid balance

    3.75% Monthly Rate, 45.0% Annual Rate.

  • Interest-free period

    Up to 50 days

  • Late payment fee

    Upto ₹1200 as per amount due, excluding GST

Eligibility

  • Income requirement

    Annual Income of ₹4.2L — ₹5L.

Ways to redeem your points

  • Cashback against your bill

    “What is the reward point value? ₹0.15 for travel/vouchers and ₹0.10 for cashback redemption.” Proof

  • Flight bookings

    “Xchange Program: Redeem your reward points against Products/ Vouchers/ Flight Booking and more. https://xchange.equitas.bank.in/ .” Proof

  • Hotel loyalty points

    “Equitas Bank Credit Card Customers are requested to check with their preferred brand’s policy on accepting single/multiple vouchers against a single invoice and accordingly decide to redeem their reward points from Xchange Rewards Portal.” Proof

  • Gift vouchers and gift cards

    “What is the reward point value? ₹0.15 for travel/vouchers and ₹0.10 for cashback redemption.” Proof

  • Products from the rewards catalogue

    “Xchange Program: Redeem your reward points against Products/ Vouchers/ Flight Booking and more. https://xchange.equitas.bank.in/ .” Proof

  • Pay with points at checkout

    “Yes, you can use reward points for instant redemption at select partner merchants during transactions.” Proof

Points expiring? Use Expiry Rescue

How we know - 6 documents from Equitas Small Finance Bank, checked 8 Nov 2026

6 documents from Equitas Small Finance Bank, checked 8 Nov 2026.

  • Key Fact Statement 300824 4f08cc142aProof
  • Cc Soc 1c5ebff2ddProof
  • Linked page on equitas.bank.inProof
  • Card pageProof
  • Card terms and conditionsProof
  • Tiga Credit Card page data (tabs)Proof
Apply on Equitas Small Finance Bank

₹500 a year

Apply

The Sunday Statement.

Every Sunday. What your bank changed this week — before your statement tells you.