Equitas Tiga Credit Card review
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. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
Equitas Small Finance Bank · RuPay / Visa
3 reward points per ₹100 (3X base) on UPI, contactless and Pay-by-3 merchant spends; 1 RP per ₹100 on other spends.
- Annual fee
- ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer)
- 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).
- Lifetime-free
- No
- Network
- RuPay / Visa
- Eligibility
- Approx age 22+, salaried with minimum income about ₹35,000/month (approx ₹5L annual); aggregator-sourced.
Why it stands out
- 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
Good to know
- It isn't lifetime-free — the annual fee (₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer)) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on Equitas Small Finance Bank's official page before applying.
How it compares
See it ranked against similar cards in our best cashback credit cards roundup.
Equitas Tiga Credit Card — FAQs
No. The 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). That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer). Fees are dated as of June 2026 and can change — check the current schedule of charges on Equitas Small Finance Bank's official page before applying.
3 reward points per ₹100 (3X base) on UPI, contactless and Pay-by-3 merchant spends; 1 RP per ₹100 on other spends. In detail: 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).. Reward values and caps are indicative and set by the issuer.
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. Eligibility is broadly Approx age 22+, salaried with minimum income about ₹35,000/month (approx ₹5L annual); aggregator-sourced.. It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on Equitas Small Finance Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.