SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for premium, lounge, and golf.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on partner merchants, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 10 lakh of annual spend. Utilities and insurance don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many membership rewards you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Membership Rewards/yr |
|---|---|---|
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Partner Merchants
3 Membership Rewards Points / Rs 50 spent via Reward Multiplier on select brands
Best for airport lounge access
14 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if your spend is low
The Rs 10,000 fee waives only at Rs 10 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on utilities and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| retail | 1 Membership Rewards Point / Rs 50 spent on eligible categories |
| partner merchants | 3 Membership Rewards Points / Rs 50 spent via Reward Multiplier on select brands |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| British Airways | Executive Club | 2:1 |
| Singapore Airlines | KrisFlyer | 2:1 |
| Qatar Airways | Privilege Club | 2:1 |
| Emirates | Skywards | 2:1 |
| Etihad Airways | Etihad Guest | 2:1 |
| Virgin Atlantic | Flying Club | 2:1 |
| Air India | Maharaja Club | 2:1 |
| Hotel group | Programme | Ratio |
|---|---|---|
| Marriott | Marriott Bonvoy | 1:1 |
| Hilton Hotels | Hilton Honors | 1:0.9 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 12 complimentary visits in a year, limited to 3 visits per quarter.
- 2 complimentary Priority Pass lounge visits in a year.
- Priority Pass membership worth US$99 is complimentary on enrolment.
- Visits beyond the 2 complimentary visits are charged at prevailing rates, currently US$35 per person per visit.
Exclusions
Categories that earn no rewards on this card.
- insurance
- utilities
- cash transactions
- EMI conversion at point of sale
- excluded spends as per American Express terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 11,000 Membership Rewards points as welcome gift on spending Rs 30,000 within first 90 days
Additional benefits
- Complimentary ALL Accor+ Explorer membership
- Complimentary EazyDiner Prime membership
- Golf benefit up to twice per month on meeting monthly spend criteria
- RewardXcelerator offers 5X rewards on participating brands
Eligibility
Check this before you apply.
Salaried
- Employed with personal annual income of Rs 6 lakh and above
- Good credit history with no payment defaults
- Resident Indian with current or permanent residential address in India
Self-employed
- Self-employed with personal annual income of Rs 6 lakh and above
- Company has been trading for more than 12 months
- Resident Indian with current or permanent residential address in India
Compare before you decide
Alternatives based on what you might want instead.
IndusInd Bank Celesta Credit Card
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YES BANK MARQUEE Credit Card
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