3X Reward Points on payments made using UPI, Contactless modes and at Pay by 3 merchants, and 1 Reward Point for every ₹100 spent on all other everyday transactions
Pay by 3 automatically converts eligible transactions at 10 select merchants into a 3-month EMI at 1.25% per month with no processing fee, with a cashback not exceeding the interest levied credited within 90 days of the intimation of conversion, so there is no additional cost to the customer
Reward Points redeemable through the Equitas Xchange Rewards portal against products, vouchers, flight, bus and hotel bookings, cashback against the statement and Insta Redemption at partner merchants
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeThe annual fee is waived if you spend ₹1.2 lakh or more in a year on your card, as per bank policy
₹590
₹500 + GST
Eligibility
Age
21-60 years
Salary
₹35K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹250, if applicable
2.5%
Reward Redemption₹99 redemption fee per redemption
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹450
Cash PaymentCash Payment is Not Applicable
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹750
₹10001 - ₹25000
₹900
₹25001 - ₹50000
₹1000
Above ₹50000
₹1200
No late payment fee is charged where the amount due as per the last statement is less than ₹100
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
