SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for flipkart, myntra, and cleartrip, and you want your rewards as simple, no-tracking cashback.
Why it can work
It offers accelerated rewards on myntra.
Where value may drop
The renewal fee is waived only on Rs 3.5 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. 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 |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 3,000 |
| 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
7.5% cashback on myntra, auto-credited with no points to manage.
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 | Statement quarter cap |
|---|---|---|
| Myntra | 7.5% cashback | Rs 4,000 |
| Flipkart | 5% cashback | Rs 4,000 |
| Cleartrip | 5% cashback | Rs 4,000 |
| Preferred merchants | 4% cashback | - |
| Other eligible spends | 1% cashback | - |
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
- rent
- wallet load
- EMI transactions and post-purchase EMI conversion
- gold and jewellery purchases
- cash advances
- payment of outstanding balances
- payment of card fees and other charges
- utility and telecom spends
- insurance services
- education payments via third-party apps
- government services
- online skill-based gaming
- purchases of gift cards on Flipkart and Myntra
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Welcome benefits worth Rs 350 on eligible paid cards and first-time Swiggy user offer
Additional benefits
- 1% fuel surcharge waiver on fuel transactions from Rs 400 to Rs 4,000, capped at Rs 400 per statement cycle
- Dining Delights discounts at participating restaurants
Additional details
- Cashback is directly credited to the credit card statement within 3 days prior to statement generation in the next billing cycle.
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.
Flipkart SBI Card
Best for flipkart, myntra, cleartrip.
Flipkart Axis Bank Super Elite Credit Card
Best for flipkart, supercoins, myntra.
Axis Bank ACE Credit Card
Best for cashback, utility bills, food delivery.