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Equitas PowerMiles Credit Card
Travel
Rewards
1st Year Fee: ₹5,000* Plus Applicable Taxes
International Use
Up to 9% back on international spends
Memberships
Club Marriott & EazyDiner memberships
Travel
1:1 points-to-miles conversion ratio
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About Equitas PowerMiles Credit Card
Equitas PowerMiles Credit Card is a premium metal card with travel-centric features and benefits with a credit limit worth above Rs. 3 lakh. It comes with 3X rewards on international spends which can be redeemed against its partner airlines and hotels in 1:1 ratio through Equitas Xchange Program. This is accompanied by complimentary worldwide access to airport lounges via Priority Pass and complimentary memberships to Club Marriott and EazyDiner.
Furthermore, this card comes with tier-based benefits which the cardholders can avail as per their monthly spends. These benefits cover different lifestyle categories through bonus rewards, movie vouchers, Amazon/Flipkart vouchers, golf access, free travel ticket and hotel stay, etc. Moreover, higher tiers also come with a better reward redemption value as well as a lower forex mark-up fee. This makes this card more rewarding for not just frequent travellers but also for overall high-spenders.
Read on to know in detail about the fees, charges and benefits associated with Equitas PowerMiles Credit Card.
Rewards Program
Reward Earnings
- 3X Rewards: 9 reward points per Rs. 100 spent internationally
- 1X Rewards: 3 reward points per Rs. 100 spent on other purchases1
Reward Redemption
- 1:1 reward redemption ratio for miles transfer for 10+ partner airlines/hotels and brands under Xchange Program2
- 1 RP = Rs. 0.50 for products, vouchers, and flight/ bus/ hotel bookings
- 1 RP = Rs. 0.25 for cashback against statement and Insta redemption
Note: Points-to-miles transfer feature is going to be available from 1st Jan’26 onwards.
Other Features and Benefits
Memberships
- Complimentary Club Marriott and EazyDiner memberships
Complimentary Airport Lounge Access (in partnership with Priority Pass)
- 8 domestic lounge visits per year, max. 2 per quarter
- 4 international lounge visits per year, max. 1 per quarter
Fee Waivers
- Joining fee waived on spending min. Rs. 1.2 lakh within the 1st 90 days of card issuance
- Annual fee waiver on spending min. Rs. 4.8 lakh in the previous year
Other Features & Benefits:
- 1% fuel surcharge waiver, up to Rs. 450 per month, on fuel spends of Rs. 500 to Rs. 3,000
- Air accident cover of up to Rs. 1 crore in case of death
- Zero lost card liability cover worth up to Rs. 10 lakh
- 24X7 global personal concierge services and credit shield
For Tier-based benefits, click here.
Equitas PowerMiles Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 5,000 + Applicable taxes | ||||||||||||||||
| Annual Fee | Rs. 5,000 + Applicable taxes (waived on Rs. 4.8 lakh annual spends) | ||||||||||||||||
| Finance Charges | 3.75% per month or 45% per annum | ||||||||||||||||
| Forex Mark-up Fee | 3.40% | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You make international purchases quite frequently and wish to save well on this expense
You travel frequently and can utilise the rewards well through 1:1 points-to-miles conversion
You can maximise your benefits by availing features and benefits of higher tiers by meeting the respective monthly spending conditions
You can make good use of the complimentary memberships by planning your stays at partner hotels and dining at partner restaurants
Eligibility Criteria:
Occupation: Salaried
Age: 22 to 60 years
Min. Income: Rs. 1.5 lakh per month
Paisabazaar Review
What do we like about this card?
Equitas PowerMiles Credit Card is a good rewards credit card option for frequent travellers. With accelerated reward rate on international spends, complimentary Club Marriott membership, airport lounge benefits and up to 1:1 reward redemption ratio for travel bookings, it makes a good travel companion for the users. The base reward rate of up to 3% allows the cardholders to save well on general spends too with additional savings on dining under EazyDiner program. Moreover, high-spenders can unlock the full potential of this card through fee waiver and lifestyle benefits, including movie and online shopping vouchers, golf access, free stay and flight tickets, etc.
Pros
- 1:1 reward redemption ratio airlines/hotels/brands via Xchange program
- Up to 9% value-back on international spends
- Up to 3% base value-back rate on other spends
- Complimentary luxury hotel and dining memberships
- Complimentary airport lounge access worldwide
Cons
- Lower reward redemption values outside Xchange platform
- Limited benefits for low-spenders since most lifestyle benefits are tier-based
Frequently Asked Questions
Everything you need to know about this credit card
Yes, the earned reward points come with a validity period of 3 years from accrual.
To be eligible for Equitas PowerMiles, you should be a resident India and a salaried employee between the age of 22 and 60 years with a monthly income of Rs. 1.5 lakh or more.
There are 5 tiers for the cardholders - Blue, Silver, Gold, Platinum and Diamond, where Blue is the default tier and Diamond the highest one. If you spend min. Rs. 20,000 per month for 3 consecutive months in a quarter, then you are upgraded from Blue to Silver tier. Similarly, Gold tier is assigned on Rs. 40,000 monthly spends, Platinum on Rs. 60,000 and Diamond tier on Rs. 1 lakh monthly spends for 3 consecutive months in a quarter.
The assigned tier is valid for 3 months after which it may change for the next quarter as per your spends during the previous 3 months.
The concierge service can be used for golf bookings, airport transfers, gifting, travel bookings, etc. Concierge is operational from 9 am to 6 pm every Monday to Saturday. You may contact by calling on 18005713535 / 040-67284336 or send an email on concierge@xchangerewards.com.
Footnotes
- Reward points are not credited on spends related to fuel, rent, wallet loads and government services.
- Partner airlines and brands can include Air India, Etihad Airways, British Airways, Thai Airways, Marks & Spencer, Taj, imagine, Tanishq, The Body Shop and many more.
- Equitas PowerMiles is also available as a secured credit card for select customers, subject to individual eligibility.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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