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Joining Fee
₹999 + GST
Annual Fee
₹999 + GST
Reward Rate
5 RP/₹100 on dining/travel/international; 2 RP/₹100 on grocery; 1 RP/₹100 others
Lounge Access
2 domestic per quarter + railway lounge access
Forex Markup
3.5%
Fuel Waiver
1%
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Key Features & Benefits
  • 5 Reward Points per ₹100 on dining, travel & international spends
  • 2 Reward Points per ₹100 on grocery
  • 1 Reward Point per ₹100 on all other eligible spends
  • 2 domestic lounge visits per quarter (8/year)
  • Railway lounge access
  • Complimentary OTT subscription (1 of 5 platforms)
  • Annual savings up to ₹3,000 on fuel surcharge
  • Annual fee waiver on ₹2L spend
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Welcome & Joining Benefits
  • Welcome vouchers on activation
  • Complimentary OTT subscription
Milestone Benefits
  • ₹2L annual spend → fee waived
Pros & Cons

✓ Advantages

  • 5X on dining/travel/intl — good for a ₹999 fee card
  • OTT subscription — practical lifestyle benefit
  • Lounge access from a small finance bank

✗ Disadvantages

  • 3.5% forex — high for a travel-oriented card
  • Only available within specific income band (₹18L+)
Frequently Asked Questions
Who is Equitas Small Finance Bank?
Equitas Small Finance Bank (formerly Equitas Holdings, a microfinance institution) converted to an SFB in 2016. It's headquartered in Chennai, listed on NSE/BSE, and has 800+ branches primarily in South India.
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