SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online spends, retail, and travel, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines accelerated rewards on online spends (tiered up to 7%) and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 4 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 |
|---|---|---|
| Online shopping | Rs 15,000 | 12,600 |
| Travel (cab, train, etc.) | Rs 5,000 | 450 |
| Utility bills | Rs 3,000 | 180 |
| Other spends | Rs 8,000 | 720 |
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
7% cashback on online spends (2% under Rs 5k, 5% up to Rs 40k, 7% above Rs 40k) on online spends (tiered up to 7%), auto-credited with no points to manage.
Best for travel and redemptions
Earns cashback you can put toward flights, hotels, or transfer partners.
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 |
|---|---|---|
| Online spends (tiered up to 7%) | 7% cashback on online spends (2% under Rs 5k, 5% up to Rs 40k, 7% above Rs 40k) | 4,000 cashback |
| Offline retail spends | 0.75% cashback on offline spends | - |
| Travel spends (online and offline) | 0.75% cashback on travel spends | - |
| Utility spends | 0.5% cashback on utility spends | 100 cashback |
Redemption
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 transactions
- Rent payments
- E-wallet loading transactions
- Insurance premium payments
- Educational institution payments
- Purchase of gold or jewellery
- Spends at financial institutions (cash advances, repayments, etc.)
- Online skill-based gaming transactions
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Axis Dining Delights and Wednesday Delight offers may apply as per Axis Bank programme terms
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 70 years
- Minimum Net Monthly Salary: Rs 20,000
- Resident of India
Self-employed
- Age: 18 to 70 years
- Minimum Annual Income (ITR): Rs 3,50,000
- Resident of India
Compare before you decide
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