Make Every Swipe Count With Equitas PowerMiles Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

13 Apr 26
5 mins

Shreyansh Singh

08 Mins
13-04-26

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Table of Contents

Equitas PowerMiles Credit Card Benefits
List of Accessible Domestic Lounges with PowerMiles Credit Card
Privilege Program on Equitas Credit Card
Equitas PowerMiles Credit Card Fees and Charges

Earn 3 reward points on every ₹100 spent.
Get ₹1 crore air accident insurance cover.
Access 2 domestic lounge visits every quarter.
Spend ₹1,20,000 in 90 days for the joining fee waiver.
Earn 3X rewards on international transactions.

The Equitas PowerMiles Credit Card is a premium metal card designed for those who value luxury and rewards. It offers exclusive memberships like Club Marriott and EazyDiner with a joining and annual fee of ₹5,000.

You can enjoy up to 50 days of interest-free credit and earn 3 reward points per ₹100 spent, with 3X rewards on international transactions. With a low 2% forex markup, this card also allows you to redeem points for travel, vouchers, and more.

Want to explore more features of the Equitas PowerMiles Credit Card that add real value? Keep reading!

Equitas PowerMiles Credit Card Benefits

Spend ₹1,20,000 within the first 90 days to waive your first-year fee, and ₹4,80,000 yearly to waive off annual charges. Here are the other benefits of this credit card:

Enjoy 24/7 global concierge support for travel bookings, entertainment planning, and business assistance anywhere in the world.
Get air accident insurance cover of ₹1 crore when you book your flight tickets using this credit card.
Stay protected with zero liability for fraud, theft, or skimming once you report the issue to the bank promptly.
Access 2 domestic lounge visits per quarter and 1 international lounge visit per quarter across 1000+ lounges worldwide.
Save up to 25% on dining, hotel stays, and spa services with Club Marriott membership, including a complimentary membership for your spouse.
Enjoy 25% to 50% dining discounts, a welcome bonus of 2000 EazyPoints, and earn 2X EazyPoints on every meal.
Save on fuel with 1% surcharge waiver on transactions across India, with maximum savings capped at ₹450 per statement cycle.

List of Accessible Domestic Lounges with PowerMiles Credit Card

The domestic lounge programme is provided through the VISA network, with access to selected lounges across India.

Here is a list of some lounges across major cities of India:

City	Airport	Lounge
New Delhi	Indira Gandhi International Airport	Domestic Lounge
Mumbai	Chhatrapati Shivaji International Airport	Adani Lounge
Kolkata	Netaji Subhash Chandra Bose International Airport	Travel Club
Bangalore	Kempegowda International Airport	080 DomesticLounge
Chennai	Chennai International Airport	Travel Club
Ahmedabad	Sardar Vallabhbhai Patel International Airport	The Lounge
Amritsar	Sri Guru Ram Dass Jee International Airport	Costa Coffee
Hyderabad	Rajiv Gandhi International Airport	Encalm Lounge

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Privilege Program on Equitas Credit Card

The Privilege Program is a spend-based reward system where cardholders move across 5 tiers based on quarterly spending. All users start from the Blue tier and can upgrade or downgrade depending on their usage.

Overview of the PowerMiles Privilege Program

Tier	Reward Value (Travel & Categories)	Cashback Value	Forex Mark-up	Extra Benefits
Blue	0.50 PowerMiles	0.25	2.0%	No additional benefits
Silver	0.50 PowerMiles	0.25	2.0%	500 bonus reward points
Gold	0.50 PowerMiles	0.25	2.0%	1 movie voucher ₹250, 1 Amazon voucher ₹500
Platinum	0.75 PowerMiles	0.35	2.0%	2 movie vouchers ₹250, 2 Amazon vouchers ₹500
Diamond	1 PowerMiles	0.50	0.0%	3 movie vouchers ₹250, 3 Amazon vouchers ₹500, up to 20 golf sessions per quarter, ₹3,000 flight voucher, ₹3,500 hotel voucher

Note: Flight and hotel vouchers under the Diamond tier can be used once per financial year (April - March).

💡Remember to pay your credit card bills while you unlock premium benefits through higher tiers. Use the Pice app to get payment reminders and pay bills on time with ease, from one secure platform. You can track your payment status too!

Equitas PowerMiles Credit Card Fees and Charges

For replacement, reissue or add-on Equitas PowerMiles Credit Card application, a fee of ₹3,500 is charged.

Other important charges levied on the Powermiles Credit Card are:

Parameters	Charges
Finance Charges	3.75% monthly or 45% annually
Payment Return Charges	2%, or min. ₹450
Overlimit Charges	2.5%, or min. ₹550
Reward Redemption Fee	₹99
Cash Advance Fees	2.5% or ₹250, whichever is higher
Late Payment Charges	Below ₹100: NIL₹101 - ₹500: ₹100₹501 - ₹5,000: ₹500₹5,001 - ₹10,000: ₹750₹10,001 - ₹25,000: ₹900₹25,001 - ₹50,000: ₹1,000Above ₹50,000: ₹1,200

💡Managing multiple credit cards can make it hard to track payment dates. Use the Pice App to get timely reminders and stay organised. You can also pay your credit card bills easily in 3 simple steps: select your card, enter your details, and the amount to complete payment.

Footnotes

From July 2026, you can convert reward points at a 1:1 ratio into airline miles or hotel points with 10+ partners.
Redeem reward points at a 1:1 value, where 1 point equals ₹1, for premium brands such as Apple, Tanishq, Taj, M&S, and The Body Shop.
Fuel surcharge waiver applies only to transactions between ₹500 and ₹3,000 at eligible fuel stations.
For 3X reward earnings, each reward point carries a value of ₹0.50 across eligible transactions.
Membership benefits must be claimed within 90 days of card issuance, or they will expire automatically.

FAQs

What are the reward point rules on this card?

Cashback redemptions are valued at ₹0.25 per point, and reward points remain valid for 3 years. Points are not earned on rent, fuel, wallet, or government payments.

What income is required to apply for this card?

To meet Equitas PowerMiles Credit Card eligibility, you must have an annual income above ₹18 lakh. Final approval depends on the bank’s internal assessment and policies.

How can I set or reset my card PIN?

Download the Selfe Loans App and log in to your account. Go to card management, select set or reset PIN, enter OTP, and confirm your request.

How can I contact customer support for this card?

You can call 18001032977 to speak with a bank representative or email customerservice@equitas.bank.in. For unauthorised transactions, contact unauthtrnx@equitas.bank.in or use the app.

What is the cash withdrawal limit on PowerMiles Cards?

The cash limit for the Equitas PowerMiles Credit Card is 40%, while for the secured PowerMiles Credit Card, the cash withdrawal limit is zero.

What spending is required to upgrade tiers in the privilege program?

To move to a higher tier, you must meet monthly spending targets for 3 continuous months. Silver needs ₹20,000, Gold ₹40,000, Platinum ₹60,000, and Diamond ₹1,00,000 per month.