HDFC Bank Equitas Co-branded Credit Cards- For Equitas Bank Customers

The features and benefits offered by HDFC Bank Equitas Excite Credit Card and HDFC Bank Equitas Elegance Credit Card, vary across each other on the basis of difference in credit limit, range of reward points offered, and value of the milestone benefit offered. Since the ‘Elegance’ variant charges a higher fee, the benefits offered are more extensive in comparison to the ‘Excite’ variant. Following are the benefits offered across each of these.

Features of HDFC Bank Equitas Excite Credit Card

• 2 reward points for spending every Rs. 150
• 3X reward points on fuel and grocery spend
• Spend more than Rs. 20,000 in a month to earn 500 reward points
• Spend more than Rs. 1,80,000 in a year to earn 2,500 bonus reward points
• Annual fee waiver on spending above Rs. 1 lakh a year
• Joining fee waiver on spending above Rs. 20,000 within 90 days of card issuance
• Credit limit ranging between Rs. 25,000 to up to Rs. 2,00,000

Features of HDFC Bank Equitas Elegance Credit Card

• 2 reward points for spending every Rs. 150
• 2X reward points on flight and hotel expenses
• 5X reward points on grocery, departmental stores and supermarket spends
• Spend more than Rs. 50,000 in a month to earn 1,500 reward points
• Spend more than Rs. 5,00,000 in a year to earn 10,000 bonus reward points
• Annual fee waiver on spending above Rs. 2,50,000 in a year
• Joining fee waiver on spending above Rs. 50,000 within 90 days of card issuance
• Credit limit above Rs. 2,00,000

Click here for the most important terms and conditions.

You can consider applying for HDFC Bank Equitas Co-branded credit cards if:

• You are looking for a entry level credit card to build your credit score
• You are looking for a rewards credit card
• You are an existing Equitas Small Finance Bank customer

You should look out for other credit cards is:

• You are looking for a credit card that provides benefits across specific categories such as fuel, shopping, travel etc
• You are looking for a credit card with all rounder benefits such as cashback, reward points, sign-up bonuses, lounge access
• You are not a Equitas Small Finance Bank customer

Can HDFC Bank customers apply for this credit card?
No, HDFC Bank Equitax co-branded credit cards are only offered to existing Equitas Small Finance Bank customers. However, you can apply for other HDFC Bank credit cards as per your requirements and spending patterns.

Does this credit card offer an Interest-free credit period?
Yes, you can avail an interest-free credit period of up to 50 days with HDFC Bank Equitax Excite Credit Card and HDFC Bank Equitax Elegance Credit Card.The minimum repayment amount on these cards is 5% or minimum Rs. 200.

Can I withdraw cash with these credit cards?
Yes, you can withdraw cash with HDFC Bank Equitax credit cards. The cash advance limit is 40% of the credit limit. However, note that withdrawing cash is subject to withdrawal charge of 2.5% of the withdrawn amount or Rs. 500 whichever is higher, along with finance charges of 3.6% per month.