Paisabazaar
Search Credit Card  

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

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

Equitas Small Finance Bank in collaboration with HDFC Bank, has launched two co-branded credit cards, HDFC Bank Equitas Excite Credit Card and HDFC Bank Equitas Elegance Credit Card. The target segment for these credit cards are Equitas Bank customers. Both the cards offer exclusive privileges around reward points, milestone benefits and credit limits. Read below, to check in-depth details of these credit cards.

Check Pre-Approved Credit Cards
for you in Just One Click

  • 50+ Credit Cards from Top Banks

  • Compare Best Offers

  • Completely Digital Process

Edit Digits Only

Error: This is invalid mobile number

Error: Please accept the undertaking to proceed further
×

Exclusive Pre-Approved Cards waiting for you

  • 50+ Credit Cards from Top Banks

  • Compare Best Offers

  • Completely Digital Process

Edit

Error: Please enter a valid number

Updated: 27-06-2024 07:53:02 AM

Key Highlights of Equitas Small Finance Bank and HDFC Bank Co-branded Credit Cards
HDFC Bank Equitas Excite Credit Card HDFC Bank Equitas Elegance Credit Card
Card Type Entry-level Entry-level
Best Suited For Rewards Rewards
Joining Fee Rs. 500 Rs. 1,000
Annual Fee Rs. 500 Rs. 1,000
Best Feature
  • 2 reward points on spending every Rs. 150
  • 3X reward points on fuel and grocery expenses
  • 2 reward points on spending every Rs. 150
  • 2X reward points on flights and hotel bookings
  •  5X rewards on grocery, supermarket and departmental store expenses
Credit Limit (Range)* Rs. 25,000 to Rs. 2,00,000 Over Rs. 2,00,000

*May vary across customer eligibility on case to case basis

Note: These cards are not available on Paisabazaar.com. The content on this page is for information only. To express interest in these cards, please visit HDFC Bank’s website.
Features & Benefits
Fee & Charges
Who Should Get these Credit Cards?
Other Similar Credit Cards
FAQs

Features & Benefits

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

Fee & Charges

Fee type Details
Annual Fee HDFC Bank Equitas Excite Credit Card- Rs. 500 (Waived off on spending Rs. 1 Lakh a year)
HDFC Bank Equitas Elegance Credit Card- Rs. 1,000 (Waived off on spending Rs. 2.5 Lakh a year)
Cash Advance Fee 2.5% of withdrawn amount or Rs. 500 whichever is higher
Finance Charges 3.75% per month (45% p.a.)
Late Payment Charges For Statement Balance:

Up to Rs. 100: Nil
Rs. 101 to Rs. 500: Rs. 100
Rs. 501 to Rs. 1,000: Rs. 500
Rs. 1,001 to Rs. 5,000: Rs. 600
Rs. 5,001 to Rs. 10,000: Rs. 750
Rs. 10,001 to Rs. 25,000: Rs. 900
Rs. 25,001 to Rs. 50,000: Rs. 1,100
More than Rs. 50,000: Rs. 1,300

Click here for the most important terms and conditions.

Who Should Get these Credit Cards?

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

Other Similar Credit Cards

Credit Card Annual Fee Comparative Feature
Standard Chartered Platinum Rewards Credit Card Rs. 250 5 Reward Point for every Rs.150 spent on dining, fuel and 1 Reward point on other categories
SBI Simply Click Credit Card Rs.499 Earn 10X Reward Points with partner brands like Amazon, BookMyShow, Cleartrip, Urban Clap etc.
HDFC Bank Moneyback Credit Card Rs. 500 2 reward points for spending every Rs. 150, and 4 reward
Citibank Rewards Credit Card Rs. 1,000 10X Rewards on every INR 125 spent at Apparel & Department Store
HDFC Bank Millennia Credit Card Rs. 1,000 up to 5% cashback on online transactions and 1% cashback on all other spends.

FAQs

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.

Menu