Fees
Annual feeINR 5,000 + GST
Joining feeNil (Waived on spending INR 1.2 lakh in first 90 days; INR 5,000 + GST otherwise)
Renewal feeINR 5,000 + GST
Fee waiverSpend INR 4,80,000 in previous anniversary year
Interest rate3.75% per month (45.0% per annum (p.a.))
Late paymentNil (balance < INR 100); INR 100 (INR 101-INR 500); INR 500 (INR 501-INR 5,000); INR 750 (INR 5,001-INR 10,000); INR 900 (INR 10,001-INR 25,000); INR 1,000 (INR 25,001-INR 50,000); INR 1,200 (> INR 50,000)
Forex markup2% (reduces to 0% at Diamond tier)
Cash advance2.5% of amount withdrawn (min INR 250); finance charges from day of withdrawal
Eligibility
Min income (salaried)INR 1.5 lakh+ p.m. (> INR 18 lakh annual)
Min income (self-emp.)Not commonly specified (primarily salaried); Secured variant available against FD
Income requirementSalaried: INR 1.5 lakh+ p.m. (> INR 18 lakh annual); Self-employed: Not commonly specified (primarily salaried); Secured variant available against FD
Credit score750+ (Very Good to Excellent)
Age range21 to 60 years
Employment typeSalaried (Secured variant: Both)
Resident typeIndian Resident
Rewards & cashback
Accelerated rate3X rewards (9 RPs per INR 100) on international POS and online spends
Cashback %NA (reward points redeemable as cashback at INR 0.25/RP)
Cashback capNA (Tier-based caps may apply)
Redemption optionsCashback (Statement Credit), Vouchers, Flights & Hotels, Air Miles/Airline Conversion (Xchange Program), Bank's Xchange Portal
Points expiry2 Years from date of accumulation
Travel & lounge
Domestic lounge2 complimentary visits per calendar quarter (8 visits/year)
International lounge1 complimentary visit per calendar quarter via Priority Pass (4 visits/year; 1000+ lounges worldwide)
Lounge conditionsNo - complimentary without spend conditions
Travel insuranceYes - INR 1 crore Air Accident Cover; Zero Lost Card Liability up to INR 10 lakh; Credit Shield
Hotel/flight offersUp to 20% off at Club Marriott hotels (dining, stay, spa); EazyDiner: 25-50% savings on dining
ConciergeYes - 24×7 Global Personal Concierge Services
Forex waiverFull waiver (0%) at Diamond tier; 2% standard rate (vs typical 3.5%)
Lifestyle
Dining benefitsYes - EazyDiner membership (25-50% savings + 2,000 EazyPoints welcome bonus + 2X EazyPoints on meals)
Dining discountsYes - EazyDiner membership (25-50% savings + 2,000 EazyPoints welcome bonus + 2X EazyPoints on meals)
Fuel surchargeYes - 1% fuel surcharge waiver; cap up to INR 3,000/year (T&C apply)
OTT subscriptionsNo (travel-focused perks instead)
E-commerce offers1:1 Xchange partner brands: Apple (Imagine), Tanishq, Taj, M&S, The Body Shop
ComplimentaryOTT: No (travel-focused perks instead)
Credit limit & EMI
Default limitINR 3 lakh and above
Max limitINR 10 lakh+ (No fixed cap; determined by profile)
Cash withdrawal40% of credit limit (0% for secured PowerMiles variant)
EMI optionsPost-purchase; Yes - EMI conversion available
EMI conversionPost-purchase
Min EMI amountINR 2,500+
Balance transferAs per bank discretion
BT interest rateAs per bank schedule
Insurance & protection
Purchase protectionYes - Credit Shield included
Lost card liabilityYes - Zero Lost Card Liability cover up to INR 10 lakh
Coverage detailsAir Accident Cover, Travel Liability Cover (Lost Card Liability up to INR 10 lakh), Credit Shield
Digital & security
ContactlessYes - NFC enabled
Virtual cardYes
App featuresEquitas Bank App / Selfe Loans App: Real-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Rewards Tracking & Redemption, Autopay Setup, Spend Analyzer, Concierge Access, Raise Service Requests
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (NFC), ATM Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card, View/Generate Virtual Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, OTP for Online Transactions, CVV+Expiry+OTP Combo, Tokenization (RBI Mandated), Instant Card Block Option, Suspicious Transaction Blocking
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability (4-7 days); Full liability if beyond 7 days without valid reason
WhatsApp supportYes (available via Equitas Bank official channels)