Equitas Small Finance Bank Credit Card

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Equitas Small Finance Bank Credit Card – Features, Benefits, Apply Online | BankCliq

Equitas Small Finance Bank (ESFB), one of India’s most innovative small finance banks, has launched its credit card offerings with a focus on financial inclusion, digital experience, and smart rewards. Whether you're a salaried professional, freelancer, or small business owner, Equitas Bank Credit Cards offer a practical blend of value and convenience.
On BankCliq.com, you can explore the full range of features, benefits, eligibility, and apply online for Equitas credit cards in just a few steps.

🚀 Why Choose Equitas Bank Credit Card?

Equitas is focused on offering simple, rewarding, and digitally driven credit cards—especially for new-to-credit users, Tier-2 and Tier-3 customers, and MSME professionals who are often underserved by traditional banks.

Key Benefits:

  • Instant virtual credit card on approval

  • 100% digital credit card application process

  • Lifetime free card offers (promo-based)

  • No hidden charges or processing fees

  • Reward points on all purchases

  • Free domestic airport lounge access

  • SmartEMI, contactless payments & fraud protection

Eligibility Criteria

For Salaried Individuals
  • Age: 21 to 60 years
  • Minimum monthly income: ₹15,000+
  • Good credit score (650+ recommended)
  • Existing Equitas A/C ( Preferred but not mandatory)
For Self-Employed Individuals
  • Age: 21 to 65 years
  • Minimum annual income: ₹6 lakh+
  • Stable income proof and credit history
Criteria may vary for different cards. Use our instant eligibility checker to know your options.

Documents Required

  • PAN Card

    Mandatory for all applications

  • Address Proof

    Aadhaar card, Passport, or Voter ID

  • Income Proof

    Salary slip, ITR, or bank statements (last 3 months)

  • Photograph

    Passport-size photograph

Upload documents online through our paperless application process.

FAQ on Equitas Small Finance Bank Credit Card

1. Is Equitas credit card available to everyone?

Yes, anyone who meets the basic eligibility (age, income, and credit score) can apply. Even new-to-credit individuals may be approved.

2. Can I get a lifetime free Equitas credit card?

Some Equitas cards are offered as lifetime free during promotional periods. Others offer spend-based annual fee waiver.

3. Does Equitas credit card support UPI payments?

Yes! If you have a RuPay credit card, you can link it with UPI apps like PhonePe, BHIM, and Paytm to pay at local shops and online.

4. Is lounge access available on Equitas credit cards?

Yes. The Equitas Bank card offers complimentary access to select domestic airport lounges in India.

5. What is the credit limit on Equitas credit cards?

Initial limits range from ₹10,000 to ₹10lakh, based on your credit profile and income. The bank may revise limits after regular usage.

6. Is this card accepted internationally?

Only Visa-based Equitas cards support global usage. RuPay credit cards are largely domestic, with limited international access via Discover or JCB networks.

7. How do I contact Equitas credit card customer care?

You can contact Equitas credit card customer care by calling their 24x7 toll-free number: 1800-103-1222 or by using the Equitas mobile app for support and card management. You can enable and disable features of card payments.

Ready to Apply for Your Equitas Small Finance Bank Credit Card?

Compare all cards, check eligibility, and apply online in minutes with our secure platform.

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