Equitas Bank PowerMiles Credit Card vs SBI Card MILES PRIME Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  Equitas Bank PowerMiles Credit CardEquitas Small Finance Bank |  SBI Card MILES PRIMEState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | Rewards not published | 0.5% base, up to 1% on travel | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | Not stated | 0.5% | |
| Dining and food delivery | Not stated | 0.5% | |
| Groceries | Not stated | 0.5% | |
| Travel: flights, hotels, trains | Not stated | 1% | |
| Fuel | Not stated | Earns nothing | |
| Bills and recharges | Not stated | Earns nothing | |
| Rent | Not stated | Earns nothing | |
| Insurance premiums | Not stated | Earns nothing | |
| School and college fees | Not stated | Earns nothing | |
| Wallet top-ups | Not stated | Earns nothing | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | Not stated | 0.5% | |
| Everything else | Not stated | 0.5% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Network | - | Mastercard | |
| Card tier | - | Premium | |
| Fees | |||
| Joining fee | Rs 5,000 | ₹2,999 + GST | |
| Annual fee | Rs 5,000 | ₹2,999 + GST | |
| Fee waived at | ₹4,80,000 | ₹10,00,000 | |
| Eligibility | |||
| Min age | 22 years | 21 years | |
| Max age | 60 years | 70 years | |
| Employment type | - | BOTH | |
| Min monthly salary | ₹1,50,000 | - | |
| Rewards | |||
| Reward type | Reward points | Air miles | |
| Point value | - | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | - | ₹250 | |
| Lounge access | |||
| Domestic lounge visitssame | 8 | 8 | |
| International lounge visitssame | 4 | 4 | |
| Lounge programme | - | PRIORITY_PASS | |
| Priority Pass | No | Yes | |
| Lounge condition | - | 8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years | |
| Forex and international | |||
| Forex markup | 2% | 2.5% | |
| UPI rewards | |||
| Works on UPI | - | No | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Page content | |||
| Documents needed | - | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Best For
- People who travel abroad a few times a year
- Frequent flyers who want lounges without a spend target
- UPI users who want a travel card
- Frequent flyers
- People who spend heavily on travel
- Travellers who want Priority Pass access
Watch-Outs
- ₹5,000 fee is steep for an entry into travel cards
- Fee waiver needs Rs 4.8 lakh of yearly spend
- Flat 3 points per Rs 100 with no boosted categories
- Fee waiver needs Rs 10 lakh a year, which most people will not reach
- Base return of about 0.5% is low
- Credits are worth the most only when redeemed for travel
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Equitas Bank PowerMiles Credit Card or SBI Card MILES PRIME?
SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; Equitas Bank PowerMiles Credit Card: ₹5,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Equitas Bank PowerMiles Credit Card has the lowest forex markup. Equitas Bank PowerMiles Credit Card: 2%; SBI Card MILES PRIME: 2.5%. The markup is charged on every foreign-currency transaction, before GST.
Which gives airport lounge access?
Equitas Bank PowerMiles Credit Card: 8 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
Other Comparisons
- Equitas Bank PowerMiles Credit Card vs Federal Scapia Credit cardSide by side →
- Equitas Bank PowerMiles Credit Card vs IDFC FIRST Millennia Credit CardSide by side →
- Equitas Bank PowerMiles Credit Card vs SBI Flipkart Credit CardSide by side →
- SBI Card MILES PRIME vs Federal Scapia Credit cardSide by side →
- SBI Card MILES PRIME vs IDFC FIRST Millennia Credit CardSide by side →
- SBI Card MILES PRIME vs SBI Flipkart Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
