Equitas Small Finance Bank · Entry
Tiga
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Rs 0.15 per point on Xchange flights, hotels, vouchers and catalogue; Rs 0.10 on cashback against statement and instant redemption (Blue tier). Rs 99 fee per redemption, minimum 500 points for statement cashback, points lapse 2 years after accumulation.
Points valued at ₹0.15/pt - conservative, what rankings use
3 pts / Rs 100 on UPI (3X)
3 pts / ₹100
how it works
Accelerated points are credited on a best effort basis. Cannot be clubbed with contactless 3X.
Source: Card Member Agreement: "provide accelerated rewards points on a best effort basis for UPI, Contactless transactions and Pay by 3 Merchants on Tiga/Tiga Secured Credit Cards"; card page: "Earn 3x Reward Points on UPI, Contactless payments & pay-by-3 merchants" - equitas.bank.in - read 23 Oct 2026
0.45%
3 pts / Rs 100 at Pay by 3 merchants (Tata CLiQ, Netmeds)
at Tata CLiQ, Netmeds · 3 pts / ₹100 · min txn ₹100
how it works
Domestic INR only; under Rs 100 earns no accelerated points; the purchase becomes a 3-month EMI at statement date (interest 1.25% a month, with cashback up to the interest within 90 days). Other Pay by 3 merchants are listed under Not in our rates.
Source: Pay by 3 T&C item 15: "3X accelerated Rewards points accumulated for Pay by 3 transactions will be posted in subsequent billing statement ... transactions below Rs.100 will not be eligible for any accelerated rewards" - equitas.bank.in - read 23 Oct 2026
0.45%
Everything else
1 pt / ₹100
source
Source: Equitas Tiga Credit Card page: "Earn 1 Reward Point for every Rs 100 spent on everyday transactions" - equitas.bank.in - read 23 Oct 2026
0.15%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Fuel
Fuel earns no reward points (the bank lists no MCC codes for this exclusion).
use IndianOil RBL XTra 7.5%
source
categories: Fuel
Source: Tiga T&C item 23: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
Rent
Rent earns no reward points.
use Axis Burgundy Private 4.2%
source
categories: Rent
Source: Tiga T&C item 23: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
Wallet load
Wallet loads earn no reward points.
use SC Ultimate 3.3%
source
categories: Wallet load
Source: Tiga T&C item 23: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
Government / tax
Government payments earn no reward points.
use Biz Black Metal Edition 2.5%
source
categories: Government / tax
Source: Tiga T&C item 23: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
EMI
EMI conversions earn no reward points.
use Kotak Solitaire 3.0%
source
categories: EMI
Source: Tiga T&C item 23: "fuel, rent, wallet loads, government payments, cash advances, and EMI conversions shall not be eligible for earning Reward Points (RP), unless expressly communicated otherwise by the Bank" - equitas.bank.in - read 23 Oct 2026
Bank terms we cannot price for you yet - they depend on something we do not know. Rankings leave them out.