SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online, entry level, and shopping.
Why it can work
It combines accelerated rewards on partner merchants and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 40,000 of annual spend. Fuel, utilities, and insurance don't earn rewards. Monthly reward caps apply on the top categories.
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 |
|---|---|---|
| Amazon | Rs 5,000 | 3,000 |
| 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
10 Membership Rewards Points / Rs 50 spent on select 10X merchants
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, utilities, and insurance
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| partner merchants | 10 Membership Rewards Points / Rs 50 spent on select 10X merchants | 500 membership rewards |
| amazon | 5 Membership Rewards Points / Rs 50 spent on Amazon | 250 membership rewards |
| retail | 1 Membership Rewards Point / Rs 50 spent on other eligible spends | - |
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.
Exclusions
Categories that earn no rewards on this card.
- fuel
- insurance
- utilities
- cash transactions
- EMI conversion at point of sale
- balance transfers
- fees
- excluded spends as per American Express terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Rs 500 cashback as welcome gift on eligible spends of Rs 10,000 in the first 90 days of Cardmembership
Eligibility
Check this before you apply.
Salaried
- Employed with personal annual income of Rs 4.5 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.