Equitas Tiga Credit Card vs SBI Card PRIME
How Equitas Tiga Credit Card and SBI Card PRIME 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
Neither is lifetime-free: Equitas Tiga Credit Card costs ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) and SBI Card PRIME costs ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) — both waivable on spend, so the rewards decide it.
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.
SBI Card PRIME — better for mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers.
Side by side
| Equitas Tiga Credit CardEquitas Small Finance Bank | SBI Card PRIMESBI Card | |
|---|---|---|
| Annual fee | ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) | ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) |
| 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). | 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 on all other spends; 1 RP = ₹0.25 (accelerated points reportedly capped ~7,500 RP/month) |
| Lifetime-free | No | No |
| Network | RuPay / Visa | Visa / Mastercard / RuPay / American Express |
| Eligibility | Approx age 22+, salaried with minimum income about ₹35,000/month (approx ₹5L annual); aggregator-sourced. | Age approx 18-80 years; income criteria not officially published (aggregator-sourced, approx) |
| 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. | Mid-to-high spenders who put ₹3L+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. |
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
SBI Card PRIME
- 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 elsewhere (1 RP = ₹0.25)
- 8 complimentary domestic + 4 international Priority Pass lounge visits/year (capped 2/quarter each)
- Milestone vouchers: ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spend + ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend
Equitas Tiga Credit Card vs SBI Card PRIME — 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. SBI Card PRIME suits mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: Equitas Tiga Credit Card costs ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) and SBI Card PRIME costs ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) — both waivable on spend, so the rewards decide it. 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 SBI Card PRIME gives 10 reward points per ₹100 on dining, groceries, movies and departmental stores (1 rp = ₹0.25, so ~2.5% value) plus ₹3,000 welcome voucher.
Equitas Tiga Credit Card: ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer). SBI Card PRIME: ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
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.