Premium Travel & Dining Privileges with Quarterly Airport Lounge Access
₹1,000
One-time upfront₹1,000
Waived on ₹1.5 lakh annual spend1RP/₹100 Spent, 3X RPs on UPI, Contactless Payments, and Pay-by-3 Merchants
On eligible spends2.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Equitas Bank Tiga Credit Card is the flagship lifestyle offering from Equitas Small Finance Bank, curated for affluent professionals and frequent domestic travelers who seek refined lifestyle benefits without paying exorbitant private-bank fees. Its premier advantage is its travel and dining suite: cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter (8 annually) across major Indian terminals, paired with a concessional foreign currency markup of 2.50% + GST, saving 1% compared to standard cards. Cardholders also earn accelerated 3X reward points on fine dining, hotel stays, and airline ticketing, and benefit from 1% fuel surcharge waivers nationwide. The annual fee is ₹1,000, which is completely waived upon spending ₹1,50,000 in an anniversary year. Weaknesses include a lack of complimentary international lounge access and a relatively newer credit card rewards portal. For travelers wanting accessible lounge access and solid lifestyle returns from a growing small finance bank, the Tiga card represents a high-value contender.
1RP/₹100 Spent, 3X RPs on UPI, Contactless Payments, and Pay-by-3 Merchants
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| UPI, Contactless & Pay by 3 Spends | 3X Reward Points (6 RP per ₹100 spent = 1.50% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹100 spent (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 |
|---|---|---|---|---|---|---|
| UPI, Contactless & Pay by 3 Spends | ₹12,000 | 3X Reward Points (6 RP per ₹100 spent = 1.50% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (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-₹1,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for Equitas Bank Tiga Credit Card: • Joining & Annual Fee: ₹1,000 + GST; annual renewal fee waived on cumulative annual retail spends of ₹1,50,000 or more. • Domestic Airport Lounge Access: 2 complimentary domestic airport lounge visits per calendar quarter (8 annually) at participating Indian terminals. • Concessional Forex Markup: Reduced foreign exchange markup of 2.50% + GST on international transactions. • Travel & Dining Accelerator: Earn 3 reward points per ₹100 spent on airlines, hotels, and fine dining; 1 point per ₹100 on standard retail. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 across domestic petrol pumps. • Finance Charges: 3.00% per month (36.0% annualized) on overdue revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹1,000 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 Tiga 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.
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