{
  "id": "equitas-tiga",
  "locale": "hinglish",
  "name": "Equitas Tiga Credit Card",
  "bank": "Equitas Small Finance Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹0 (100% Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "3X on UPI & Tap-to-Pay (1.5%) · 1 pt/₹100 Base · 'Pay by 3' 3-Month Split",
  "bestFor": "Lifetime free entry card, RuPay UPI payments, contactless tap-to-pay & interest-free 3-month split",
  "officialLink": "https://equitas.bank.in/personal-banking/pay/credit-cards/",
  "aiVerdict": {
    "score": 4.6,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.5,
  "affiliateId": "equitas-tiga",
  "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 — Tiga Credit Card schedule of charges",
    "Equitas Bank Pay-by-3 & UPI reward terms and conditions"
  ],
  "feeWaiver": "Lifetime Free with zero conditions",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "UPI & Tap-to-Pay",
      "value": "3X (3 pts / ₹100 = 1.5%)"
    },
    {
      "key": "General Retail",
      "value": "1 pt / ₹100 (0.50%)"
    },
    {
      "key": "Pay by 3 Split",
      "value": "3-Month 0% Interest Split"
    },
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Fuel Waiver",
      "value": "1% Surcharge Waiver"
    },
    {
      "key": "Redemption",
      "value": "1 pt = ₹0.50"
    }
  ],
  "earnRates": [
    {
      "category": "RuPay UPI & Contactless Tap-to-Pay",
      "rate": "3X (3 pts / ₹100 = 1.5%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 pts (₹1,500 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1 pt / ₹100 (0.50%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 pts (₹500 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "RuPay UPI Payments",
      "multiplier": "3X",
      "rate": "1.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3 pts per ₹100 on UPI scans."
    },
    {
      "channel": "Contactless Tap-to-Pay",
      "multiplier": "3X",
      "rate": "1.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3 pts per ₹100 on tap."
    },
    {
      "channel": "Pay by 3",
      "multiplier": "0% Interest",
      "rate": "3 Parts",
      "monthlyCap": "—",
      "dailyCap": "—",
      "note": "Split spends above ₹3,000."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.50 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Forever)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.49% / month (41.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹18,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}