SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for food delivery, entertainment, and local commute, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on food delivery, entertainment & local commute, and no annual fee.
Where value may drop
Fuel, rent, and utilities don't earn rewards. Monthly reward caps apply on the top categories. 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 cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 5,400 |
| Dining & food delivery | Rs 4,000 | 1,440 |
| Travel (cab, train, etc.) | Rs 5,000 | 1,800 |
| Other spends | Rs 8,000 | 960 |
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
3% Cashback on food delivery, entertainment & local commute, auto-credited with no points to manage.
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
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 utilities
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 |
|---|---|---|
| Food delivery, entertainment & local commute | 3% Cashback | 1,500 cashback |
| Other eligible retail spends | 1% Cashback | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 1 complimentary domestic airport lounge visit per calendar quarter (up to 4 per calendar year)
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Insurance premium payments
- Utilities and telecom spends
- Government services spends
- 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
- RuPay credit card on UPI support (link card to UPI apps for direct merchant payments)
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000, capped at Rs 400 per monthly billing cycle
- Dining Delights discounts of up to 15% (up to Rs 500) at partner restaurants via EazyDiner
- Wednesday Delight offers including MakeMyTrip, Swiggy, and Tira discounts
- Numberless card design for enhanced visual security
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 70 years
- Resident of India or NRI
- Sourced exclusively to existing Fibe customers
Self-employed
- Age: 18 to 70 years
- Resident of India or NRI
- Sourced exclusively to existing Fibe customers
Compare before you decide
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