{
  "id": "equitas-powermiles",
  "locale": "en",
  "name": "Equitas Powermiles Credit Card",
  "bank": "Equitas Small Finance Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹5,000 + GST",
  "loungeAccess": "12 Airport Lounges/yr (8 Domestic + 4 International via Priority Pass)",
  "rewardsRate": "3X on International (3.0%) · 1 pt/₹100 Base · 1:1 Air Miles Transfer",
  "bestFor": "Frequent international travelers, airline miles redemptions (Vistara, Singapore Airlines), luxury hotels & low forex markup",
  "officialLink": "https://equitas.bank.in/personal-banking/pay/credit-cards/",
  "aiVerdict": {
    "score": 4.2,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹5000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3,
  "affiliateId": "equitas-powermiles",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Equitas Small Finance Bank — Powermiles card schedule of charges",
    "Equitas Bank Air Miles Transfer Partners & Lounge guidelines"
  ],
  "feeWaiver": "Waived at ₹5,00,000 annual spend",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "International Spends",
      "value": "3X (3.0% Air Miles)"
    },
    {
      "key": "Domestic Retail",
      "value": "1 pt / ₹100 (1.0% Air Miles)"
    },
    {
      "key": "Airport Lounges",
      "value": "12 / yr (8 Dom + 4 Intl)"
    },
    {
      "key": "Forex Markup",
      "value": "2.0% + GST (Low Forex)"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹5,00,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹5,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "International & Overseas Spends",
      "rate": "3X (3.0% Air Miles)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Air Miles"
    },
    {
      "category": "Domestic Flights, Hotels & Dining",
      "rate": "2X (2.0% Air Miles)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Air Miles"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1 pt / ₹100 (1.0%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Air Miles"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "International Transactions",
      "multiplier": "3X",
      "rate": "3.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3 miles per ₹100 overseas."
    },
    {
      "channel": "Travel & Dining",
      "multiplier": "2X",
      "rate": "2.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2 miles per ₹100 on travel."
    },
    {
      "channel": "Fee Waiver",
      "multiplier": "100%",
      "rate": "₹5,000 Waived",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "Waived at ₹5,00,000 spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "1:1 Airline Partner Transfer (Singapore, Air India, Flying Blue)",
      "value": "1 pt = 1 Air Mile (Up to ₹1.50+ value)",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Equitas Travel Portal Bookings",
      "value": "₹0.50 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹5,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹5,000 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹5,000 + GST (Waived at ₹5 Lakhs spend)"
    },
    {
      "item": "Forex Markup",
      "value": "2.0% + GST (Low Forex)"
    },
    {
      "item": "Finance Charges",
      "value": "3.25% / month (39.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1,00,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹15.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}