SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for premium, travel, and international travel.
Why it can work
It combines complimentary airport lounge access, a low 1.99% forex markup, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 12 lakh of annual spend. Fuel, rent, and wallet loads don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points 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 | Reward Points/yr |
|---|---|---|
| Other spends | Rs 8,000 | 3,840 |
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 airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1.99% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 9,999 fee waives only at Rs 12 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| All eligible purchases | 4 Reward Points / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 16 complimentary domestic airport lounge visits per year, capped at 4 visits per quarter
- Unlimited complimentary international airport lounge access with DreamFolks membership
Exclusions
Categories that earn no rewards on this card.
- fuel spends
- cash advances
- balance transfers
- wallet loading transactions
- rent payments
- government services spends
- merchant EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 40,000 AURUM Reward Points worth Rs 10,000
Additional benefits
- 4 complimentary movie tickets per month via BookMyShow, capped at Rs 1,000 per month
- 16 complimentary golf rounds and 12 golf lessons per year
- 1 complimentary airport spa session per quarter at select airports
- Complimentary premium memberships including Club Marriott, Wall Street Journal, Mint and IPV membership
- 1% fuel surcharge waiver on eligible fuel transactions between Rs 500 and Rs 4,000, capped at Rs 250 per month
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 65 years
- Audited income verification or relationship status checks apply
Self-employed
- Age: 21 to 65 years
- Audited income verification or relationship status checks apply
Compare before you decide
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