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Equitas Tiga Credit Card

Equitas Tiga Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Equitas Small Finance Bank Visa Entry

Annual Fee

₹500

Base Rate

1.0%

Reward Type

Points

Overview

The Equitas Tiga Credit Card is a Entry credit card issued by Equitas Small Finance Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.1).

Annual Fee: ₹500
Eligibility: Annual income of ₹4.2 lakh - ₹5 lakh and CIBIL score ≥ 700.

Reward Rates & Cashback Rules

  • CATEGORY – UPI: 3.0% cashback
  • CATEGORY – Contactless: 3.0% cashback
  • MERCHANT – Tata Cliq: 3.0% cashback ⚠️ Part of 'Pay by 3' partner merchants.
  • MERCHANT – Netmeds: 3.0% cashback ⚠️ Part of 'Pay by 3' partner merchants.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback ⚠️ Except for 'Pay by 3' transactions.
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback

Key Features & Benefits

  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle.
  • Pay by 3 EMI 🛍️: Automatically convert purchases at select partner merchants like Tata Cliq and Netmeds into a 3-month low-cost EMI.
  • Insurance Coverage 🛡️: Complimentary insurance including air accident coverage, credit shield, and lost card liability.

Eligibility Criteria

Annual income of ₹4.2 lakh - ₹5 lakh and CIBIL score ≥ 700.

Features & Benefits

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle.

🛍️

Pay by 3 EMI

Automatically convert purchases at select partner merchants like Tata Cliq and Netmeds into a 3-month low-cost EMI.

🛡️

Insurance Coverage

Complimentary insurance including air accident coverage, credit shield, and lost card liability.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

UPI
Reward: 3.0%
3%
Contactless
Reward: 3.0%
3%
Tata Cliq
Reward: 3.0%
⚠️ Exceptions: Part of 'Pay by 3' partner merchants.
3%
Netmeds
Reward: 3.0%
⚠️ Exceptions: Part of 'Pay by 3' partner merchants.
3%
Fuel Exclusion
Wallet Load Exclusion
Rent Exclusion
EMI Exclusion
⚠️ Exceptions: Except for 'Pay by 3' transactions.
Government Services Exclusion
Education Exclusion

Value Chart

Assuming basic spends for Equitas Tiga Credit Card

Category Equitas Tiga Credit Card Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹500 ₹0 ₹0 ₹0
₹
Annual Fee 		₹500
Waived on spending ₹1,20,000 in the previous anniversary year.
 ₹250 ₹0 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 0.5% 1.0% 1.0%
★
Known Rules 		10 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + UPI — 3.0% Points
  • + Contactless — 3.0% Points
  • + Tata Cliq — 3.0% Points
  • + Netmeds — 3.0% Points
  • + Fuel Surcharge Waiver
  • + Pay by 3 EMI
  • + Insurance Coverage
✗

Cons

  • − No reward on Fuel
  • − No reward on Wallet Load
  • − No reward on Rent
  • − No reward on EMI — Except for 'Pay by 3' transactions.
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹500

Net Value

+₹2500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹500 + GST. This fee can be waived if you spend ₹1,20,000 or more in a card anniversary year.

The value of 1 Reward Point is ₹0.10 when redeemed for cashback. The value can be up to ₹0.15 for other redemptions like vouchers or travel bookings via the Equitas Xchange portal.

Yes, no reward points are earned on fuel, wallet loads, rental payments, EMI transactions, government services, and educational payments.

No, the Equitas Tiga Credit Card does not come with complimentary airport lounge access as a standard feature.

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