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HDFC Bank Equitas Excite Credit Card
Visa
HDFC Bank Equitas Excite Credit Card
Issued by HDFC Bank exclusively for Equitas Small Finance Bank customers, Excite is a low-fee entry card with a modest credit limit band (₹25,000-₹2,00,000) and fuel/grocery-weighted rewards. It's a practical first card for existing Equitas banking customers rather than a rewards-maximiser.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
1.33%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in fuel, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.33% base rate
Benefits by category
- 🛒 Groceries
4% reward rate
- ⛽ Fuel
4% reward rate · Fuel surcharge waiver on eligible transactions.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.49% p.a.
Benefits
- 2 reward points per ₹150 spent; 3x points on fuel and grocery spends.
- 500 bonus points on ₹20,000 monthly spend; 2,500 bonus points on ₹1.8 lakh annual spend.
- Fuel surcharge waiver on eligible transactions.
Pros
- + Low joining and annual fee
- + 3x rewards on fuel and grocery spends
- + Fee waived on a reachable ₹1 lakh annual spend
Cons
- − Only available to Equitas Small Finance Bank customers
- − Credit limit capped relatively low
- − Base reward rate is unremarkable outside bonus categories