SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for UPI, google pay, and dining.
Why it can work
It combines milestone rewards and no annual fee.
Where value may drop
Rent, wallet loads, and education 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 stars you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Stars/yr |
|---|---|---|
| UPI payments | Rs 5,000 | 120 |
| Other spends | Rs 8,000 | 192 |
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 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 rent, wallet loads, and education
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| UPI payments on Google Pay | 1 Star / Rs 500 spent (0.2% return rate) |
| Other eligible retail spends | 1 Star / Rs 500 spent (0.2% return rate) |
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.
- Rent payments
- E-wallet loading transactions
- Educational institution payments via third-party apps
- Online skill-based gaming spends
- Cash withdrawal and financial services transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Welcome reward includes Rs 250 gift card and 250 stars on Google Pay, subject to Google Pay offers
Additional benefits
- Earn 1 star for every cumulative Rs 500 spent on eligible spends, including fuel
- 1 star equals Re 1 and can be redeemed instantly while making UPI payments using this card on Google Pay
- Earn 2 stars per Rs 500 in the first reward period
- Flexible repayment from Google Pay app, including full payment or EMI subject to bill amount and eligibility
- Up to 15% off on dining via EazyDiner, capped at Rs 500 per month
- Convert transactions of Rs 2,500 or more into EMI
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 70 years
- Resident of India
- Apply digitally via the Google Pay app (invite-only rollout)
Self-employed
- Age: 18 to 70 years
- Resident of India
- Apply digitally via the Google Pay app (invite-only rollout)
Compare before you decide
Alternatives based on what you might want instead.
YES Bank Kiwi Credit Card
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Fibe Axis Bank Credit Card
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