{"id":86296,"date":"2026-04-13T17:43:51","date_gmt":"2026-04-13T12:13:51","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86296"},"modified":"2026-04-13T17:44:55","modified_gmt":"2026-04-13T12:14:55","slug":"equitas-powermiles-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/equitas-powermiles-credit-card\/","title":{"rendered":"Make Every Swipe Count With Equitas PowerMiles Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 3 reward points on every \u20b9100 spent.<\/li>\n\n\n\n<li>Get \u20b91 crore air accident insurance cover.<\/li>\n\n\n\n<li>Access 2 domestic lounge visits every quarter.<\/li>\n\n\n\n<li>Spend \u20b91,20,000 in 90 days for the joining fee waiver.<\/li>\n\n\n\n<li>Earn 3X rewards on international transactions.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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 \u20b95,000.<\/p>\n\n\n\n<p>You can enjoy up to 50 days of interest-free credit and earn 3 reward points per \u20b9100 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.<\/p>\n\n\n\n<p>Want to explore more features of the Equitas PowerMiles Credit Card that add real value? Keep reading!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#equitas-power-miles-credit-card-benefits\">Equitas PowerMiles Credit Card Benefits<\/a><\/li><li><a href=\"#list-of-accessible-domestic-lounges-with-power-miles-credit-card\">List of Accessible Domestic Lounges with PowerMiles Credit Card<\/a><\/li><li><a href=\"#privilege-program-on-equitas-credit-card\">Privilege Program on Equitas Credit Card<\/a><\/li><li><a href=\"#equitas-power-miles-credit-card-fees-and-charges\">Equitas PowerMiles Credit Card Fees and Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"equitas-power-miles-credit-card-benefits\"><strong>Equitas PowerMiles Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Equitas-Power-Miles-Benefits-1024x682.jpg\" alt=\"Equitas PowerMiles Credit Card Benefits\" class=\"wp-image-86297\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Equitas-Power-Miles-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Equitas-Power-Miles-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Equitas-Power-Miles-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Equitas-Power-Miles-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/04\/Equitas-Power-Miles-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Spend \u20b91,20,000 within the first 90 days to waive your first-year fee, and \u20b94,80,000 yearly to waive off annual charges. Here are the other benefits of this credit card:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Enjoy 24\/7 global concierge support for travel bookings, entertainment planning, and business assistance anywhere in the world.<\/li>\n\n\n\n<li>Get air accident insurance cover of \u20b91 crore when you book your flight tickets using this credit card.<\/li>\n\n\n\n<li>Stay protected with zero liability for fraud, theft, or skimming once you report the issue to the bank promptly.<\/li>\n\n\n\n<li>Access 2 domestic lounge visits per quarter and 1 international lounge visit per quarter across 1000+ lounges worldwide.<\/li>\n\n\n\n<li>Save up to 25% on dining, hotel stays, and spa services with Club Marriott membership, including a complimentary membership for your spouse.<\/li>\n\n\n\n<li>Enjoy 25% to 50% dining discounts, a welcome bonus of 2000 EazyPoints, and earn 2X EazyPoints on every meal.<\/li>\n\n\n\n<li>Save on fuel with 1% surcharge waiver on transactions across India, with maximum savings capped at \u20b9450 per statement cycle.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"list-of-accessible-domestic-lounges-with-power-miles-credit-card\"><strong>List of Accessible Domestic Lounges with PowerMiles Credit Card<\/strong><\/h2>\n\n\n\n<p>The domestic lounge programme is provided through the VISA network, with access to selected <a href=\"https:\/\/equitas.bank.in\/strapi-dev\/uploads\/in_participating_airport_lounges_b6acd0f6d5.pdf\" target=\"_blank\" rel=\"noopener\">lounges across India<\/a>.<\/p>\n\n\n\n<p>Here is a list of some lounges across major cities of India:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Airport<\/strong><\/td><td><strong>Lounge<\/strong><\/td><\/tr><tr><td>New Delhi<\/td><td>Indira Gandhi International Airport<\/td><td>Domestic Lounge<\/td><\/tr><tr><td>Mumbai<\/td><td>Chhatrapati Shivaji International Airport<\/td><td>Adani Lounge<\/td><\/tr><tr><td>Kolkata<\/td><td>Netaji Subhash Chandra Bose International Airport<\/td><td>Travel Club<\/td><\/tr><tr><td>Bangalore<\/td><td>Kempegowda International Airport<\/td><td>080 DomesticLounge<\/td><\/tr><tr><td>Chennai<\/td><td>Chennai International Airport<\/td><td>Travel Club<\/td><\/tr><tr><td>Ahmedabad<\/td><td>Sardar Vallabhbhai Patel International Airport<\/td><td>The Lounge<\/td><\/tr><tr><td>Amritsar<\/td><td>Sri Guru Ram Dass Jee International Airport<\/td><td>Costa Coffee<\/td><\/tr><tr><td>Hyderabad<\/td><td>Rajiv Gandhi International Airport<\/td><td>Encalm Lounge<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"privilege-program-on-equitas-credit-card\"><strong>Privilege Program on Equitas Credit Card<\/strong><\/h2>\n\n\n\n<p>The <a href=\"https:\/\/equitas.bank.in\/privilege-program\/\" target=\"_blank\" rel=\"noopener\">Privilege Program<\/a> 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.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Overview of the PowerMiles Privilege Program<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Tier<\/strong><\/td><td><strong>Reward Value (Travel &amp; Categories)<\/strong><\/td><td><strong>Cashback Value<\/strong><\/td><td><strong>Forex Mark-up<\/strong><\/td><td><strong>Extra Benefits<\/strong><\/td><\/tr><tr><td><strong>Blue<\/strong><\/td><td>0.50 PowerMiles<\/td><td>0.25<\/td><td>2.0%<\/td><td>No additional benefits<\/td><\/tr><tr><td><strong>Silver<\/strong><\/td><td>0.50 PowerMiles<\/td><td>0.25<\/td><td>2.0%<\/td><td>500 bonus reward points<\/td><\/tr><tr><td><strong>Gold<\/strong><\/td><td>0.50 PowerMiles<\/td><td>0.25<\/td><td>2.0%<\/td><td>1 movie voucher \u20b9250, 1 Amazon voucher \u20b9500<\/td><\/tr><tr><td><strong>Platinum<\/strong><\/td><td>0.75 PowerMiles<\/td><td>0.35<\/td><td>2.0%<\/td><td>2 movie vouchers \u20b9250, 2 Amazon vouchers \u20b9500<\/td><\/tr><tr><td><strong>Diamond<\/strong><\/td><td>1 PowerMiles<\/td><td>0.50<\/td><td>0.0%<\/td><td>3 movie vouchers \u20b9250, 3 Amazon vouchers \u20b9500, up to 20 golf sessions per quarter, \u20b93,000 flight voucher, \u20b93,500 hotel voucher<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note:<\/strong> Flight and hotel vouchers under the Diamond tier can be used once per financial year (April &#8211; March).<\/p>\n\n\n\n<p>\ud83d\udca1Remember to pay your credit card bills while you unlock premium benefits through higher tiers. Use the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> to get payment reminders and pay bills on time with ease, from one secure platform. You can track your payment status too!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"equitas-power-miles-credit-card-fees-and-charges\"><strong>Equitas PowerMiles Credit Card Fees and Charges<\/strong><\/h2>\n\n\n\n<p>For replacement, reissue or add-on Equitas PowerMiles Credit Card application, a fee of \u20b93,500 is charged.<\/p>\n\n\n\n<p>Other important charges levied on the Powermiles Credit Card are:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.75% monthly or 45% annually<\/td><\/tr><tr><td>Payment Return Charges<\/td><td>2%, or min. \u20b9450<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5%, or min. \u20b9550<\/td><\/tr><tr><td>Reward Redemption Fee<\/td><td>\u20b999<\/td><\/tr><tr><td>Cash Advance Fees<\/td><td>2.5% or \u20b9250, whichever is higher<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Below \u20b9100: NIL\u20b9101 &#8211; \u20b9500: \u20b9100\u20b9501 &#8211; \u20b95,000: \u20b9500\u20b95,001 &#8211; \u20b910,000: \u20b9750\u20b910,001 &#8211; \u20b925,000: \u20b9900\u20b925,001 &#8211; \u20b950,000: \u20b91,000Above \u20b950,000: \u20b91,200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Managing multiple credit cards can make it hard to track payment dates. Use <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a> 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.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnotes\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>From July 2026, you can convert reward points at a 1:1 ratio into airline miles or hotel points with 10+ partners.<\/li>\n\n\n\n<li>Redeem reward points at a 1:1 value, where 1 point equals \u20b91, for premium brands such as Apple, Tanishq, Taj, M&amp;S, and The Body Shop.<\/li>\n\n\n\n<li>Fuel surcharge waiver applies only to transactions between \u20b9500 and \u20b93,000 at eligible fuel stations.<\/li>\n\n\n\n<li>For 3X reward earnings, each reward point carries a value of \u20b90.50 across eligible transactions.<\/li>\n\n\n\n<li>Membership benefits must be claimed within 90 days of card issuance, or they will expire automatically.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1776081825791\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the reward point rules on this card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cashback redemptions are valued at \u20b90.25 per point, and reward points remain valid for 3 years. Points are not earned on rent, fuel, wallet, or government payments.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776081843956\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What income is required to apply for this card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>To meet Equitas PowerMiles Credit Card eligibility, you must have an annual income above \u20b918 lakh. Final approval depends on the bank\u2019s internal assessment and policies.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776081860489\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I set or reset my card PIN?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776081872174\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I contact customer support for this card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776081893344\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the cash withdrawal limit on PowerMiles Cards?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The cash limit for the Equitas PowerMiles Credit Card is 40%, while for the secured PowerMiles Credit Card, the cash withdrawal limit is zero.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776081950401\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What spending is required to upgrade tiers in the privilege program?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>To move to a higher tier, you must meet monthly spending targets for 3 continuous months. Silver needs \u20b920,000, Gold \u20b940,000, Platinum \u20b960,000, and Diamond \u20b91,00,000 per month.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776082004673\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How are the tier qualification months calculated?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Tier evaluation follows calendar quarters such as April to June, July to September, October to December, and January to March.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 \u20b95,000. You can enjoy up to 50 days of interest-free credit and earn 3 reward points per \u20b9100 spent, [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":86309,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86296","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86296","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86296"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86296\/revisions"}],"predecessor-version":[{"id":86310,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86296\/revisions\/86310"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86309"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86296"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86296"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86296"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}