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Equitas PowerMiles Credit Card
Visa
Equitas PowerMiles Credit Card
Equitas's top-tier PowerMiles metal card targets high earners (₹18L+ annual income) with a genuinely low 2% forex markup, 3X points on international spends, and complimentary Club Marriott/EazyDiner memberships.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
miles
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Movie & dining: Complimentary annual EazyDiner Prime membership with dining discounts and priority reservations.
- Rewards rate: 1% base rate
- Travel: Complimentary annual Club Marriott membership for hotel and dining privileges at Marriott properties.
- Domestic lounge access: 2 complimentary domestic airport lounge visits per calendar quarter (up to 8/year).
- International lounge access: 1 complimentary international airport lounge visit per calendar quarter (up to 4/year).
Benefits by category
- ✈️ Travel
3% reward rate · 2 domestic + 1 international airport lounge visit per calendar quarter
- 🌍 Forex / international spend
Low 2% forex markup on international spends — well below typical PSU/SFB cards · 2% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 2%
Benefits
- Complimentary annual Club Marriott and EazyDiner memberships
- 2 domestic + 1 international airport lounge visit per calendar quarter
- Low 2% forex markup on international spends — well below typical PSU/SFB cards
Pros
- + Low 2% forex markup for a small finance bank card
- + Complimentary Club Marriott and EazyDiner memberships
- + Airport lounge access (domestic + international)
Cons
- − High ₹18L+ annual income eligibility bar
- − ₹5,000+GST joining/annual fee is steep for the segment