About Equitas Excite Credit Card –

• Welcome Benefit: 2,500 Bonus Reward Points on your first transaction within 30 days of card issuance.

• Reward Points on Spends: Earn 2 Reward Points for every ₹100 spent on all eligible categories.

• Accelerated Rewards: Earn 3x Reward Points on departmental stores, grocery, and dining spends.

• Movie Offers: Buy 1 Get 1 (BOGO) offer on movie tickets via BookMyShow (Up to ₹200 off per month).

• Lounge Access: 2 complimentary domestic airport lounge visits per quarter (8 visits per year).

• Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (Max ₹250 per month).

• Dining Discount: Up to 15% discount at partner restaurants under the Equitas Bank dining program.

Fees & List of Charges –

• Joining Fee: ₹499 + GST (Often waived if you meet the initial spend criteria).

• Annual Fee: ₹499 + GST, from second year onwards.

• Fee Waiver: Annual fee is waived if you spend ₹1,00,000 or more in the previous year.

Documents Needed –

• ID Proof: PAN Card (Mandatory).

• Address Proof: Aadhaar Card, Passport, Voter ID, or Utility Bills.

• Income Proof:

  • Salaried: Last 3 months’ salary slips and bank statement showing salary credit.

  • Self-Employed: Latest ITR (Income Tax Return) copy.

• Photograph: One recent passport-sized photograph.

Eligibility Criteria –

• Age: 21 to 65 years.

• Employment: Salaried or Self-Employed.

• Minimum Monthly Income: ₹20,000 (Salaried) or ITR > ₹3 Lakhs (Self-Employed).

• Credit Score: 730+ preferred for a smooth approval process.

How to Avail the Offer

• Visit the Equitas Small Finance Bank official website.

• Navigate to the ‘Credit Cards’ section and select the ‘Excite’ card.

• Fill in the application form and complete your Video KYC (VKYC) in the same session.