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Equitas Elegance Credit Card

Product Details
Credit Card Name : 

Equitas Elegance Credit Card

Bank Name :

Equitas Small Finance Bank

Type :

Lifestyle Credit Card

Interest Rate : 

3.6% per month i.e. 43.2% annually

Eligibility :

Salaried: Age Min 21 yrs & Max 65 yrs;
Income : Net Monthly income 24000 and above
Self Employed: Age Min 21 yrs & Max 65 yrs;
Income : ITR => Rs.10 lakhs per Annum

Equitas Elegance Credit Card
Pros
  • Reward System: Earn 2 reward points for every INR 150/- spent on your credit card. 1 Reward Point = INR 0.2.).  General cashback rate: 0.13%. Cardholders will get 5x reward points on spending on grocery, supermarket & departmental stores (Maximum 1000 points per month). Grocery cashback rate: 0.67%. Get 5X reward points on utility bills, IRCTC & tax payments (Maximum 1000 points per month). Utility cashback rate: 0.67%.  

  • Milestone Benefit: 1500 Bonus Rewards points on monthly spends of INR 50,000,  and 10000 Bonus Rewards points on annual spends of INR 5,00,000. 

  • Other Benefits: 8 complimentary domestic lounge access per year, 2 per quarter. 

Cons
  • No welcome benefits are  provided 

  • No international airport lounge access facility provided 

  • Limited rewards and benefits  

Pros & Cons
Welcome Benefits

None.

Rewards System

Reward System: Earn 2 reward points for every INR 150/- spent on your credit card. 1 Reward Point = INR 0.2.).  General cashback rate: 0.13%. Cardholders will get 5x reward points on spending on grocery, supermarket & departmental stores (Maximum 1000 points per month). Grocery cashback rate: 0.67%. Get 5X reward points on utility bills, IRCTC & tax payments (Maximum 1000 points per month). Utility cashback rate: 0.67%.  

International Forex Markup

Foreign Currency Transactions Cross currency mark-up of 3.5%

Welcome Benefits and Reward System
Special Features

8 complimentary domestic lounge access per year, 2 per quarter. 

Eligibility Criteria

Salaried: Age Min 21 yrs & Max 65 yrs;
Income : Net Monthly income 24000 and above
Self Employed: Age Min 21 yrs & Max 65 yrs;
Income : ITR => Rs.10 lakhs per Annum

Benefits


  • 5x Accelerated Rewards

  • Airport Lounge Access

  • Milestone Benefits

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Go to the Equitas Small Finance Bank website and click on the "Apply for Credit Card" tab. 

  • Select the "Elegance Credit Card" and click on the "Apply Now" button. 

  • You will be redirected to a new page where you will need to fill out an application form. 

  • The application form will ask for your personal information, such as your name, address, and contact details. 

  • You will also need to provide your income and employment details. 

  • Once you have filled out the application form, you will need to upload a copy of your PAN card, Aadhaar card, and latest salary slip. 

  • You will also need to provide a recent passport-size photograph. 

  • Once you have submitted your application, Equitas Small Finance Bank will review it and get back to you within a few days. 

  • If your application is approved, you will receive the card within 10-15 days.

Contact Details

e-mail ID: cs@equitasbank.com or
Contact the following number 044-42995000

Account Opening and Procedure
Equitas Elegance Equitas small finance Bank

Discover the HDFC Bank Equitas Elegance Credit Card: A fee-free option that rewards you generously. Earn 2 reward points for every Rs. 150 spent and enjoy remarkable 5x rewards on groceries and utility bills. Lounge access, fuel surcharge waiver, and bonus rewards for specific spending make it perfect for Equitas Bank customers seeking both value and convenience.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Joining Fee: Nil.

  • Annual Fee-Lifetime Free 

  • Cash Advance Charges 2.5% on amount withdrawn or Rs 500/- whichever is higher.  

  • Interest Rates:  3.6% per month i.e. 43.2% annually  

  • Late Payment Fees: Less than `100 = Nil `100 to `500 = 100/-  `501 to `5,000 = 500/-  `5,001 to `10,000 = 600/- `10,001 to `25,000 = 800/- `25,001 to `50,000 = 1100/- More than `50,000 = 1300/- 

  • Foreign Currency Transactions Cross currency mark-up of 3.5% 

  • Reward Redemption Fee INR. 99 per redemption

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India on transaction amount between INR 400 to INR 5000. (Rs.5000 and above transactions won’t be eligible for waiver & Max Cash Back of INR 250 per statement cycle)

Billing Cycle

30 Days

Fees & Charges
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