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REWARD POINTS CARD

Equitas PowerMiles Credit Card

Equitas Small Finance Bank

Travel-focused metal card with 3X rewards on international purchases, 2 domestic and 1 international lounge visit per quarter, Club Marriott and EazyDiner memberships and a 2% forex mark-up.

Annual fee ₹5,000; renewal waiver on ₹4,80,000 spend in the previous anniversary year. Points expire after 36 months; ₹0.50/RP for travel/vouchers, ₹0.25 for cashback. Miles transfer to go live from Mar'27.

Equitas PowerMiles Credit Card
ANNUAL FEE
₹5,000
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
3X reward points on all international POS and online purchases.
BEST FOR
Included: May suit frequent travellers who spend overseas and use airport lounges.
Included: May suit frequent travellers who spend internationally.
Included: May suit those who use airport lounges: 2 domestic and 1 international visit per quarter.
Included: May suit high spenders able to reach ₹4,80,000 a year to waive the renewal fee.
Limitation: Those low spenders given the ₹5,000 annual fee and ₹4,80,000 waiver threshold may wish to compare other cards.
Limitation: Those low spenders, given the ₹5,000 annual fee may wish to compare other cards.
Limitation: Those wanting miles transfer today may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Memberships must be claimed within 90 days of card issuance; unclaimed memberships expire and cannot be renewed.
Condition: No complimentary guest lounge access; unused lounge visits lapse each quarter.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹5,000
Fee waived at
₹4,80,000 spend in the previous anniversary year (renewal fee waiver)
Forex markup
2%
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 visits per quarter (up to 8 a year) · At 40+ domestic lounges; no complimentary guest access; unused visits lapse; extra visits charged per lounge provider
International airport lounge
1 visit per quarter — 1 visit per quarter (up to 4 a year) · At 1000+ international lounges; guests charged; extra visits charged per lounge provider terms
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver on fuel transactions across India, up to ₹450 per statement cycle on transactions between ₹500 and ₹3,000
Dining
EazyDiner: 25%-50% savings plus complimentary beverages; Club Marriott: up to 25% off on F&B
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
36 months
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 3X reward points on all international POS and online purchases.
Included: Premium metal card with Club Marriott and EazyDiner memberships.
Included: Global personal concierge services for travel, entertainment and business purposes.
Included: Zero liability for theft, fraud or skimming after reporting the incident to the bank.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.