Super-Premium Travel Miles Credit Card with Unlimited Lounges & Flight Rewards
Frequent air travelers and luxury spenders looking for high miles earning rates, unlimited airport lounge access, and premium travel insurance.
₹5,000
One-time upfront₹5,000
Waived on ₹4.8 lakh annual spend3 Reward Points for ₹100 Spent; 3X Reward Points for International POS and Online Purchases
On eligible spends8 Domestic + 4 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Equitas Bank PowerMiles Credit Card is a remarkable entry into India's super-premium travel card segment. Priced at an annual fee of ₹5,000 plus GST, it directly rivals premier private-bank travel cards by offering exceptional air miles conversion ratios and first-class airport comfort. Cardholders enjoy unlimited complimentary domestic airport lounge visits across India, alongside 8 complimentary international airport lounge visits per calendar year via Priority Pass. The card features an industry-leading preferential foreign exchange markup rate of just 1.99%, substantially reducing the cost of international vacations and overseas business expenditures. With 8 PowerMiles per ₹100 spent on airlines and international retail, 1:1 air miles partner transfer options, 4 complimentary golf games annually, and annual fee waiver on ₹5,00,000 spend, PowerMiles is a premier powerhouse for jet-setters.
3 Reward Points for ₹100 Spent; 3X Reward Points for International POS and Online Purchases
Complimentary Club Marriott and EazyDiner Memberships
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International Foreign Currency Spends | 3X Reward Points (6 RP per ₹100 spent = 1.50% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Domestic Retail Spends | 2 Reward Points per ₹100 spent on domestic transactions (0.50% valueback) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| International Foreign Currency Spends | ₹12,000 | 3X Reward Points (6 RP per ₹100 spent = 1.50% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Domestic Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent on domestic transactions (0.50% valueback) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹5,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Salaried professionals with monthly income over ₹1 Lakh or self-employed with ITR over ₹12 Lakhs; age 21 to 65 years. • Joining & Annual Fee: ₹5,000 + GST; annual renewal fee waived on achieving annual eligible retail spends of ₹5,00,000. • Welcome Benefit: 10,000 bonus PowerMiles credited upon payment of joining fee and completing initial retail spend milestone. • Airport Lounge Privileges: Unlimited complimentary domestic airport lounge access across terminals in India plus 8 international visits via Priority Pass. • Low Forex Markup: Preferential foreign exchange transaction markup of 1.99% + GST on all overseas purchases. • Air Miles Acceleration: Earn 8 PowerMiles per ₹100 on airline bookings and international spends; 4 PowerMiles per ₹100 on other retail purchases. • Golf Privileges: 4 complimentary golf games or instructional lessons per calendar year at premier golf clubs. • Insurance Protection: Comprehensive personal air accident insurance cover up to ₹1 Crore.
Evaluate whether this card's perks and waiver threshold justify its ₹5,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Equitas Bank PowerMiles Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Equitas Small Finance Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
Air India Maharaja Club transfers have reportedly appeared in Equitas Xchange Rewards at 1:1. We analyze the 3X rewards, the weird March 2027 documentation gap, and whether PowerMiles beats Axis Horizon and HSBC TravelOne.
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Rewards: 36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
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Forex markup: 1% Low Forex
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Forex markup: 2% Low Forex
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Forex markup: 1.5% Low Forex
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