Equitas Tiga Credit Card: Lifetime Free + 3X Rewards on UPI, Contactless & Pay by 3
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Apply for the Equitas Tiga Credit Card 2026: Lifetime Free (limited period), 3X rewards on UPI, contactless & Pay by 3, 0.99% p.m. intro rate. Apply now!
Key Highlights at a Glance
| Feature | Details |
|---|---|
| Joining & Annual Fee | Lifetime Free (limited-period offer) |
| Standard fee (non-LTF cards) | ₹500 joining + ₹500 annual + GST |
| Renewal fee waiver (non-LTF cards only) | Spend ₹1,20,000 in the previous anniversary year |
| Reward rate | 1 RP per ₹100 base; 3 RP per ₹100 on UPI, contactless & Pay by 3 |
| Real value of rewards | 0.10%–0.15% base; 0.30%–0.45% on 3X spends |
| Pay by 3 | Auto 3-month EMI at select merchants, 1.25% p.m., no processing fee |
| Introductory rate | 0.99% p.m. for the first 3 months (90 days), then 3.75% p.m. |
| Interest-free period | 20 to 50 days (not “always 50”) |
| Fuel surcharge waiver | 1% on ₹500–₹3,000 fuel spends; max ₹100/cycle, ₹1,200/year |
| Insurance | Lost-card liability cover up to ₹2 lakh (primary cardholder) |
Lifetime Free • Limited Period Offer
Equitas Bank: Tiga Credit Card, Lifetime Free with 3X Rewards
🎁 Perks: Lifetime Free (limited period) • 3X rewards on UPI, contactless & Pay by 3 • 0.99% p.m. intro rate for first 3 months • 1% fuel surcharge waiver • Lost-card liability cover
Apply Now →Rewards & Benefits Fact Sheet
🎯 Reward Rates (points vs. real ₹ value)
| Spend type | Points | Value as cashback / instant redemption (₹0.10 per RP) | Value on Xchange: flights, hotels, vouchers (₹0.15 per RP) |
|---|---|---|---|
| Base spends | 1 RP per ₹100 | 0.10% | 0.15% |
| UPI, contactless, Pay by 3 merchants | 3 RP per ₹100 | 0.30% | 0.45% |
- “3X” is not 3% cashback. It’s 3 points per ₹100, worth roughly 0.30%–0.45%.
- Points are earned only in full multiples of ₹100. Residual amounts and transactions below ₹100 earn nothing.
- 3X points on Pay by 3 can’t be clubbed with contactless 3X.
- 3X points on Pay by 3 post in the next billing statement. If a transaction is reversed, the points are debited.
🧮 Real Spend Examples
- ₹10,000 via UPI: 300 RP, worth ₹30 as cashback or ₹45 on Xchange (before the ₹99 redemption fee).
- ₹10,000 on regular spends (non-3X): 100 RP, worth ₹10 as cashback or ₹15 on Xchange.
- ₹1,999 via UPI: only 19 full hundreds count, so 57 RP (₹5.70 cashback or ₹8.55 on Xchange).
- Redemption break-even: the ₹99 fee means you need 990 RP to come out ahead on cashback, about ₹33,000 of 3X spend. On Xchange you need 660 RP, about ₹22,000 of 3X spend.
- Fuel: ₹3,000 fuel spend means up to ₹30 surcharge waiver and zero reward points. You’d need ₹10,000 of eligible fuel spend in a cycle to hit the ₹100 cap.
🚫 Zero-Reward / Excluded Categories
No points on these (the bank’s list is “not limited to” them, and wrongly credited points can be reversed):
- Fuel: MCCs 1361, 5172, 5541, 5542, 5552, 5983, 9752
- Rent: MCC 6513
- Wallet loads: MCC 6540
- Government payments: MCCs 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950
- Cash advances
- EMI conversions. Pay by 3 transactions are specifically stated to earn 3X.
⚠️ Reward Fine Print
- Cashback redemption: minimum 500 RP against the statement balance. At ₹0.10 per RP that’s only ₹50, less than the ₹99 fee.
- Redemption fee: ₹99 per redemption request. Redeemed points can’t be reversed or reissued.
- Expiry: points expire 24 months after they’re earned, and all points lapse if the card is unused for 365 days.
- Caps: the MITC caps grocery and utility points at 2,000 RP per month per category, and insurance at 2,000 RP per day.
- Contactless: transactions up to ₹5,000 need no PIN.
- Xchange vouchers: acceptance of multiple vouchers on one invoice is at the brand’s discretion.
🏦 Pay by 3: How It Works
- Eligible purchases at select merchants are automatically converted into a 3-month EMI on your statement date.
- Cost: 1.25% per month interest, no processing fee, plus 18% GST on the interest. Cashback up to the interest charged is credited within 90 days, but GST is not refunded. So it’s “low-cost”, not “free”.
- Eligible merchants: Tata Cliq, Netmeds, Skullcandy, 1% Club, Lectrix, Prashanti Sarees, Wedtree, Toni & Guy, Toni & Guy Essensuals, Slam Fitness.
- Offline stores: concentrated in Chennai, with some in Bengaluru, Hyderabad, Coimbatore and Visakhapatnam.
- Domestic only: INR transactions only. UPI payments are not eligible for EMI conversion.
- No minimum transaction amount. Accelerated points need at least ₹100.
- Credit limit: the full purchase amount is blocked and released as you repay the EMIs.
- Billing: each EMI is part of your Minimum Amount Due.
- Reversals are netted against the next conversion.
- Pre-closure: pre-closure charges apply and any cashback or points given are debited. Closing the card pre-closes all running EMIs.
- Queries must be raised within 180 days of the transaction.
💳 Interest & Introductory Rate
- Intro rate: 0.99% p.m. (about 11.9% a year) for the first 3 months from card open date, on total outstanding dues.
- Standard rate: 3.75% per month (45% a year) after the intro period.
- Interest-free period: 20 to 50 days. It doesn’t apply if the previous balance wasn’t paid in full or if you withdrew cash from an ATM.
- Minimum Amount Due: 5% of the outstanding balance on purchases, cash advances and interest, plus 100% of other charges and taxes.
⛽ Fuel Surcharge Waiver
- 1% waiver on fuel transactions between ₹500 and ₹3,000.
- Maximum ₹100 per billing cycle and ₹1,200 per year.
- GST on the surcharge is not reversed. The waiver appears separately on your statement.
🛡️ Insurance
- Lost-card liability cover up to ₹2 lakh for the primary cardholder.
- Claims must be intimated within 30 days of the loss, and the cover applies only if the card is active in the month of the claim.
💰 Fees & Charges You Should Know
- Late payment: ₹0 (due under ₹100), ₹100 (₹101–500), ₹500 (₹501–5,000), ₹750 (₹5,001–10,000), ₹900 (₹10,001–25,000), ₹1,000 (₹25,001–50,000), ₹1,200 (above ₹50,000).
- Cash advance: 2.5% (minimum ₹250) plus finance charges from the withdrawal date. The cash limit is 30% of the credit limit.
- Foreign transactions: 3.5% markup.
- Rent payments: 1% (max ₹3,000). Wallet loads: 2.5%.
- Over-limit: 2.5% (min ₹550). Payment return: 2% (min ₹450).
- Switch EMI processing fee: 2% (min ₹199, max ₹4,999), plus GST. Merchant EMI: ₹199 plus GST.
- GST: 18% applies on fees, interest and charges. Service charges may apply at hospitals, education institutions and government sites.
🎁 Joining / Renewal Benefits
- LTF offer: no joining or annual fee while the limited-period offer is live. [offer shows no end date; re-check before publishing]
- Standard (non-LTF) cards: ₹500 joining and ₹500 annual fee plus GST. Renewal is waived with ₹1,20,000 spend in the previous anniversary year.
Eligibility Criteria
- Annual income: ₹4.2L–₹5L as listed by the bank.
- Age and employment type: not stated in the bank documents.
- Credit profile: approval is at the bank’s discretion.
Required Documents
- PAN card
- Aadhaar or other address proof
- Income proof (salary slips or bank statements)
- Recent photograph
How to Apply
- Click Apply Now to open the official landing page.
- Choose the Tiga card and confirm the Lifetime Free offer is showing.
- Enter your personal, employment and income details.
- Complete KYC and OTP verification. [confirm the exact steps shown]
- Wait for the bank’s approval and card dispatch.
- Activate your card within 30 days of issuance. Unactivated cards may be closed.
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