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Equitas Excite
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Milestone Benefit: 500 bonus rewards points on monthly spends of Rs 20,000, and 2500 bonus rewards points on annual spends of Rs 1,80,000.
Cashback Rate
Users will earn 2 reward points for every INR 150 spent on the credit card.
The value of 1 reward point = INR 0.20. General cashback rate: 0.13%.
Cardholders will get 3x reward points on spending on groceries, supermarkets & departmental stores (Maximum 500 points per month). Grocery cashback rate: 0.39%.
3X reward points on utility bills, IRCTC & tax payments (Maximum 500 points per month). Utility cashback rate: 0.39%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
None.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Milestone Benefit: 500 bonus rewards points on monthly spends of Rs 20,000, and 2500 bonus rewards points on annual spends of Rs 1,80,000.
Cashback Rate
Users will earn 2 reward points for every INR 150 spent on the credit card.
The value of 1 reward point = INR 0.20. General cashback rate: 0.13%.
Cardholders will get 3x reward points on spending on groceries, supermarkets & departmental stores (Maximum 500 points per month). Grocery cashback rate: 0.39%.
3X reward points on utility bills, IRCTC & tax payments (Maximum 500 points per month). Utility cashback rate: 0.39%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
None.
Lounge Access
None.
Fees & Charges of
Equitas Excite
Joining Fee
NIL,
Annual Fee
Lifetime Free
Cash Advance Fee
2.5% on amount withdrawn or Rs 500/- whichever is higher.
Interest rate
Interest Rates: 3.6% per month i.e. 43.2% annually
Late Payment Fee
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 Fee
Foreign Currency Transactions Cross currency mark-up of 3.5%
Other Fees
Cash Advance Charges 2.5% on amount withdrawn or Rs 500/- whichever is higher. | Reward Redemption Fee Rs. 99 per redemption
Joining Fee
NIL,
Annual Fee
Lifetime Free
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 3.6% per month i.e. 43.2% annually
Late Payment Fee
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 Fee
Foreign Currency Transactions Cross currency mark-up of 3.5%
Other Fees
Cash Advance Charges 2.5% on amount withdrawn or Rs 500/- whichever is higher. | Reward Redemption Fee Rs. 99 per redemption
Fee and Charges of
Equitas Excite
Special Features
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 3x reward points on spending on grocery, supermarket & departmental stores (Maximum 500 points per month). Grocery cashback rate: 0.39%. Get 3X reward points on utility bills, IRCTC & tax payments (Maximum 500 points per month). Utility cashback rate: 0.39%.
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.6 lakhs Per Annum
Speical Feature, Eligibility and Benefits of
Equitas Excite
How to apply for Credit Card?
Visit the Equitas Small Finance Bank website and click on the "Apply for Credit Card" tab.
Select the Equitas Excite credit card and click on "Apply Now".
Fill out the online application form and submit it. You will need to provide the following information: Your personal details, such as your name, address, and contact number. Your employment details, such as your employer's name, designation, and salary. Your income and expenditure details. Your past credit history, if any.
You will also need to upload scanned copies of your documents, such as your PAN card, Aadhaar card, and latest salary slip.
Once your application is submitted, Equitas Small Finance Bank will review it and get back to you within a few days.
If your application is approved, you will be issued the Equitas Excite credit card within a few weeks.
Contact Details
e-mail ID: cs@equitasbank.com or
Contact the following number 044-42995000
Account Opening and Procedure of
Equitas Excite
Find Offers on Your Credit Card
Find Offers on Your Credit Card
One card with multiple benefits is here for you all – the HDFC Equitas Excite Credit Card. Unlock rewards with every spend, enjoy a 3x boost on fuel, groceries, and utilities. With up to 2 Lakhs credit limit, a 1% fuel surcharge waiver, and flexible shopping installments, it's the ultimate choice for Equitas Bank customers.
One card with multiple benefits is here for you all – the HDFC Equitas Excite Credit Card. Unlock rewards with every spend, enjoy a 3x boost on fuel, groceries, and utilities. With up to 2 Lakhs credit limit, a 1% fuel surcharge waiver, and flexible shopping installments, it's the ultimate choice for Equitas Bank customers.
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