Equitas Credit Cards Review – A Surprisingly Solid Lineup in 2026

In a move that has taken the credit card community by surprise, Equitas Small Finance Bank has officially launched three new Equitas credit cards: TIGA, SELFE, and PowerMiles. While many expected basic offerings from a Small Finance Bank, Equitas has dropped three “serious” contenders that are decent, practical, and cater to very specific user needs

These aren’t just generic cards; they come with unique selling propositions like customizable rewards, metal form factors, and solid reward rates if you know how to optimize them. Here is our definitive SmartSpendCode breakdown of the new lineup, including the “Diamond Tier” secrets that unlock their true potential.

The three cards launched are:

• Equitas Tiga Credit Card
• Equitas Selfe Credit Card
• Equitas PowerMiles Credit Card

None of these cards are flashy lifestyle cards, but they serve real use cases.

👉 Apply Now: Click here to Apply for Equitas Credit Cards

Which Equitas Card Should You Choose

If you are able to consistently hit Diamond Tier, the Equitas credit cards become far more rewarding than they appear at first glance. Here is how each card performs when optimised correctly.

Equitas Tiga Credit Card Review

Tiga is the most practical card in the lineup, especially for daily spends through UPI.

Key Features

• Lifetime free when applied through SmartSpendCode link

• Designed for UPI heavy spends

• Up to 3% rewards on UPI transactions at Diamond Tier

• Works well for everyday QR payments

Best For

• Users making frequent UPI payments

• Daily grocery and small merchant spends

• Users looking for simple rewards without complexity

SmartSpendCode View

Tiga is one of the few cards that actually makes UPI rewarding. If your monthly spends are heavily UPI driven, this card can become very valuable.

Equitas Selfe Credit Card Review

Selfe is focused on structured spending and category based rewards.

Key Features

• First year free when applied through SmartSpendCode link

• Category based rewards model

• Up to 10% rewards under Diamond Tier

• Focus on grocery, utilities and apparel

Category Options

• Grocery up to ₹20,000 per month plus Apparel

• Utilities up to ₹20,000 per month plus Apparel

Best For

• Users with predictable monthly expenses

• People who plan their spending categories

• Users looking for higher reward rates in specific spends

SmartSpendCode View

Selfe is powerful only if you align your spends correctly. If you can optimize category spends, it can deliver one of the highest reward rates among entry level cards.

Equitas PowerMiles Credit Card Review

PowerMiles is the most niche but powerful card in the lineup, especially for international usage.

Key Features

• Designed for international travelers

• 7% to 9% effective rewards on forex spends under Diamond Tier

• 3% rewards on gold purchases

• Faster approvals typically seen for CIBIL above 750

Best For

• Frequent international travelers

• Users spending in foreign currency

• Those looking for high reward returns on forex spends

SmartSpendCode View

PowerMiles works best as a niche card. When used correctly for forex spends, it can outperform many mainstream cards.

Income Eligibility and Approval Notes

Currently, Equitas is processing salaried applicants only.

Minimum net monthly income requirements:

• Tiga Credit Card: ₹35,000

• Selfe Credit Card: ₹50,000

• PowerMiles Credit Card: ₹1.5 lakh

If you face any issues during application or approval, feel free to email or DM me. I will help check the reason with the bank and guide you on the next steps.

SmartSpendCode Overall Verdict

Equitas has delivered a surprisingly mature first lineup. These cards are not meant to compete with super-premium offerings, but they fill important gaps in the market.

• Tiga works well for cashback seekers
• Selfe supports credit inclusion
• PowerMiles serves practical travellers

For users who understand their spend patterns, one of these cards can fit nicely into a broader card portfolio.

How to Apply for Equitas Credit Card

Step 1
Apply here
https://link.smartspendcode.com/EquitasCreditCard
Get your pre approved limit instantly

Step 2
Click the same link again to start VKYC

Step 3
Complete VKYC and wait for 1 day

Card gets approved, customer ID is issued and physical card is delivered in 4 to 5 days.

For real time deals, reward hacks, and limited time opportunities, follow the SmartSpendCode WhatsApp channel
https://link.smartspendcode.com/WhatsappChannel

Note: Card features and benefits are subject to change by the issuer. Always verify the latest terms before applying.