All cards / Equitas Small Finance Bank
Equitas Tiga Credit Card
Equitas' entry-level RuPay credit card built around UPI and contactless spending, aimed at salaried first-time cardholders.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹35,000
- Employment: salaried
- Age: 22–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,20,000
- Foreign currency markup: 3.5%
- Interest rate: 30%–42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Benefits
- 3X reward points (3 per ₹100) on UPI, contactless, and 'Pay-by-3' payments
- Entry-level unsecured RuPay card designed for digital-first, first-time credit card users
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Pros
- + Low annual fee with an easy waiver threshold
- + Strong UPI/contactless reward multiplier
- + RuPay network works with UPI credit card linking
Cons
- − Salaried-only eligibility
- − Base reward rate outside UPI/contactless is modest