Equitas Tiga Credit Card vs IndusInd Bank Platinum Aura Edge Credit Card
How Equitas Tiga Credit Card and IndusInd Bank Platinum Aura Edge Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while Equitas Tiga Credit Card carries a fee (₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer)). If you won't reliably hit Equitas Tiga Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep.
Equitas Tiga Credit Card — better for upi-heavy spenders who want 3x reward points on upi and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver.
IndusInd Bank Platinum Aura Edge Credit Card — better for someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it.
Side by side
| Equitas Tiga Credit CardEquitas Small Finance Bank | IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank | |
|---|---|---|
| Annual fee | ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) | ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed) |
| Reward rate | 3 RP/₹100 on UPI, contactless and Pay-by-3 spends; 1 RP/₹100 on other spends; 1 RP = ₹0.15 (vouchers/products/travel) or ₹0.10 (cashback/Insta Redemption). | 4 RP per ₹100 on chosen plan category (marketed as "up to 8X" vs 0.5 RP base), 0.5 RP per ₹100 on other spends; 1 RP = ₹0.40 on cash redemption (₹0.50 on catalogue), capped at 2,500 RP redeemable per month/cycle |
| Lifetime-free | No | Yes |
| Network | RuPay / Visa | Visa |
| Eligibility | Approx age 22+, salaried with minimum income about ₹35,000/month (approx ₹5L annual); aggregator-sourced. | Age 18+ (approx); salaried or self-employed with steady income and good credit score (approx 750+); exact minimum income not officially published |
| Best for | UPI-heavy spenders who want 3X reward points on UPI and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver. | Someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. |
Equitas Tiga Credit Card
- 3 RP/₹100 on UPI, contactless and Pay-by-3 EMI merchant spends; 1 RP/₹100 on other eligible spends (no rewards on rent, wallet loads, fuel or government spends)
- ₹500 + GST joining/annual fee, waivable on ≈₹1.2 lakh annual spend (issuer figure); often issued with the first-year fee waived
- 1% fuel surcharge waiver on fuel transactions of ₹500 to ₹3,000, capped at ₹100 per statement cycle; Pay-by-3 lets you split select-merchant purchases into 3-month low-cost EMIs
IndusInd Bank Platinum Aura Edge Credit Card
- 4 RP/₹100 on your chosen plan category (Shop/Home/Travel/Party), 0.5 RP/₹100 elsewhere; 1 RP = ₹0.40 (cash), max 2,500 RP/cycle redeemable
- 1% fuel surcharge waiver on fuel spends of approx ₹400 to ₹4,000 (capped approx ₹100/cycle)
- No joining fee and no annual fee ever (lifetime free); complimentary air accident insurance up to ₹25 lakh
Equitas Tiga Credit Card vs IndusInd Bank Platinum Aura Edge Credit Card — FAQs
Neither is universally better. Equitas Tiga Credit Card suits upi-heavy spenders who want 3x reward points on upi and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver. IndusInd Bank Platinum Aura Edge Credit Card suits someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. Compare the annual fee and reward rate above against your own spending — that's what decides it.
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while Equitas Tiga Credit Card carries a fee (₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer)). If you won't reliably hit Equitas Tiga Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep. On rewards, Equitas Tiga Credit Card gives 3 reward points per ₹100 (3x base) on upi, contactless and pay-by-3 merchant spends; 1 rp per ₹100 on other spends. whereas IndusInd Bank Platinum Aura Edge Credit Card gives lifetime-free card earning 4 reward points per ₹100 (8x the 0.5 rp base) on your chosen plan category
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free (no fee, ever), while Equitas Tiga Credit Card charges ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.