SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for utility bills, food delivery, and ola, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on utility bill payments and recharges on google pay.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Fuel, rent, 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 cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 1,920 |
| Travel (cab, train, etc.) | Rs 5,000 | 2,400 |
| Utility bills | Rs 3,000 | 1,800 |
| Other spends | Rs 8,000 | 1,440 |
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 simple cashback
5% cashback on utility bill payments and recharges on google pay, auto-credited with no points to manage.
Best for airport lounge access
4 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 you spend big on fuel, rent, 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 | Monthly cap |
|---|---|---|
| Utility bill payments and recharges on Google Pay | 5% cashback | 500 cashback |
| Swiggy, Zomato, and Ola | 4% cashback | 500 cashback |
| Other eligible spends | 1.5% cashback | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Complimentary domestic lounge access is subject to a spend threshold of Rs 50,000 in the previous three calendar months (effective 1st May 2024). Spend criteria is waived for the month of card issuance and the next three months.
Exclusions
Categories that earn no rewards on this card.
- fuel spends
- rental payments
- wallet loading transactions
- insurance premium payments
- educational services
- government services
- gold or jewellery purchases
- cash advances
- EMI transactions (including post-facto conversions)
- balance transfers
- payment of outstanding balances
- card fees and other bank charges
- online skill-based gaming
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 4,000, capped at Rs 500 per billing cycle
- Dining Delights discounts of up to 15% at partner restaurants via EazyDiner
Additional details
- Cashback is directly credited to your statement in the next billing cycle.
- The 5% and 4% cashback categories have a combined monthly capping of Rs 500.
Eligibility
Check this before you apply.
Salaried
- Primary cardholder should be between 18 and 70 years and resident of India
Self-employed
- Primary cardholder should be between 18 and 70 years and resident of India
Compare before you decide
Alternatives based on what you might want instead.
Airtel Axis Bank Credit Card
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Samsung Axis Bank Signature Credit Card
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Swiggy HDFC Bank BLCK Credit Card
Best for swiggy, food delivery, online shopping.