HDFC Bank Equitas Excite Credit Card Review: Fees & Rewards

Check HDFC Bank Equitas Excite Credit Card features, 3X rewards on groceries, fees, and eligibility. Ideal for Equitas Small Finance Bank customers.

Vyaya Team · Mar 2026

5 min read

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Value Score

6.2 / 10

Annual Fee

₹500

Best For

Equitas Bank Customers, Daily Spenders

Network

Visa

Expert Verdict

The HDFC Bank Equitas Excite is a solid entry-level co-branded card for Equitas Bank customers. It offers decent value on daily essentials like groceries and utilities, though the low point value and reward caps limit its long-term potential for high spenders.

HDFC BANKVisa

HDFC Bank Equitas Excite Credit Card

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REWARD SUMMARY

0.2666666666666667% Base Rewards
Unlock rewards with every spend and enjoy 3X boost on daily essentials.

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The Bottom Line

The HDFC Bank Equitas Excite Credit Card is the HDFC Bank Equitas Excite is a solid entry-level co-branded card for Equitas Bank customers. It offers decent value on daily essentials like groceries and utilities, though the low point value and reward caps limit its long-term potential for high spenders. With a ₹500 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0% rewards on grocery and 1% fuel surcharge waiver on transactions between ₹. For anyone researching hdfc bank equitas excite credit card, the verdict is simple: conditional.

It earns a base reward rate of 0.2666666666666667% and stacks best when your spending lines up with Equitas Bank Customers, Daily Spenders. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.

What we like

+3X Reward Points on grocery, supermarkets, and utility bills.

+Monthly milestone bonus of 500 points on spending ₹20,000.

+Annual fee waiver on a relatively low spend of ₹1 Lakh.

+1% fuel surcharge waiver at all fuel stations in India.

What we don't

–Low reward point value of ₹0.20 per point.

–Accelerated rewards are capped at 500 points per month.

–No complimentary airport lounge access.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Equitas Bank Customers

Specifically designed for Equitas customers looking for an entry-level rewards card.

Best value above ₹15,000/month

Daily Spenders

Strong reward rates on groceries and utility bill payments.

Best value above ₹10,000/month

Probably not for

Skip

–

Frequent Travelers

Lacks lounge access and travel-specific benefits.

–

High Spenders

Low reward caps and point value make it less lucrative for large transactions.

Is It Worth It For You?

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Reward Rates

HDFC Bank Equitas Excite Credit Card offers 0.2666666666666667% basic reward rate.

Quick Calculator

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Where

Amount

₹

Grocery

Utility Bills

Fuel

Welcome Offer

Welcome Benefit

Milestone Benefits

Spend ₹20,000

Bonus Points

Spend ₹180,000

Bonus Points

Fees & Charges

Joining fee₹500

Annual fee₹500

Fee waiverSpend > ₹1,00,000

Eligibility

Min Income: ₹2.4 Lakhs
Min Credit Score: 700
Exclusively available for existing Equitas Small Finance Bank customers. Age: 21-65 years.

Exclusions & Terms

Rent

Standard HDFC exclusion

Government Transactions

Standard HDFC exclusion

Wallet Loading

Standard HDFC exclusion

Frequently Asked Questions

2 data-backed answers from our card database

What is the reward point value for HDFC Equitas Excite?+

1 Reward Point is equal to ₹0.20.

How can I waive the annual fee?+

The annual fee of ₹500 is waived if you spend more than ₹1,00,000 in the preceding year.

Ready to apply?

₹500 fee. Excellent rewards. Apply now securely.

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