SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, airlines, and travel EDGE.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on travel EDGE and airline websites, and milestone rewards.
Where value may drop
Fuel, rent, and utilities 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 edge miles you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Edge Miles/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 3,000 |
| Other spends | Rs 8,000 | 1,920 |
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 Travel EDGE And Airline Websites
5 EDGE Miles / Rs 100 spent on Travel EDGE and airline websites
Best for airport lounge access
16 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns edge miles 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 utilities
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Travel EDGE and airline websites | 5 EDGE Miles / Rs 100 spent on Travel EDGE and airline websites |
| Other eligible retail spends | 2 EDGE Miles / Rs 100 spent |
Redemption
| Airline | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| Air Canada | Aeroplan | 1:1 | Group A | 1,00,000 edge miles |
| Ethiopian Airlines | ShebaMiles | 1:1 | Group A | 1,00,000 edge miles |
| Etihad Airways | Etihad Guest | 1:1 | Group A | 1,00,000 edge miles |
| Japan Airlines | JAL Mileage Bank | 1:1 | Group A | 1,00,000 edge miles |
| Singapore Airlines | KrisFlyer | 1:1 | Group A | 1,00,000 edge miles |
| Thai Airways | Royal Orchid Plus | 1:1 | Group A | 1,00,000 edge miles |
| Turkish Airlines | Miles&Smiles | 1:1 | Group A | 1,00,000 edge miles |
| United Airlines | MileagePlus | 1:1 | Group A | 1,00,000 edge miles |
| British Airways | British Airways Executive Club | 1:1 | Group A | 1,00,000 edge miles |
| Finnair | Finnair Plus | 1:1 | Group A | 1,00,000 edge miles |
| Vietnam Airlines | Lotusmiles | 1:1 | Group A | 1,00,000 edge miles |
| Air France-KLM | Flying Blue | 1:1 | Group B | 4,00,000 edge miles |
| Air India | Flying Returns | 1:1 | Group B | 4,00,000 edge miles |
| Air Asia | Air Asia | 1:1 | Group B | 4,00,000 edge miles |
| Qantas Airways | Qantas Frequent Flyer | 1:1 | Group B | 4,00,000 edge miles |
| Hotel group | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| IHG Hotels & Resorts | IHG One Rewards | 1:1 | Group B | 4,00,000 edge miles |
| ITC Hotels | Club ITC | 1:1 | Group B | 4,00,000 edge miles |
| Radisson Hotels | Radisson Rewards | 1:1 | Group B | 4,00,000 edge miles |
| Orchid Hotels | Orchid Rewards | 1:1 | Group B | 4,00,000 edge miles |
| Wyndham Hotels & Resorts | Wyndham Rewards | 1:1 | Group A | 1,00,000 edge miles |
| The Postcard Hotel | The Postcard Hotel | 1:1 | Group B | 4,00,000 edge miles |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 2 complimentary domestic lounge visits per quarter (8 per year)
- 2 complimentary international lounge visits per quarter (8 per 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
- Transportation and tolls spends
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 5,000 EDGE Miles on cumulative net spends of Rs 1,000 or more within 30 days of card issuance
- 1 EDGE Mile equals Re 1 as per Axis Bank HORIZON value chart
- 2 complimentary domestic lounge visits per quarter (8 per year)
- 2 complimentary international lounge visits per quarter (8 per year)
- 1% fuel surcharge waiver on eligible fuel transactions from Rs 400 to Rs 5,000, capped at Rs 400 per statement month
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
Alternatives based on what you might want instead.
HSBC TravelOne Credit Card
Best for travel, airlines, hotels.
Miles and More Axis Bank Credit Card
Best for miles, lufthansa, star alliance.
AXIS BANK MAGNUS Credit Card
Best for travel, lounge, premium.
Tips
Practical notes from verified sources.
Air India has recently revalued its redemptions and is classified under Group B (subject to the 400,000 annual EDGE Mile transfer cap).
For Marriott Bonvoy transfers, you can indirectly transfer by converting EDGE Miles to Club ITC at a 1:1 ratio, and then Club ITC to Marriott at a 2:3 ratio (capped at 10,000 ITC points per quarter).