SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for ikea, home furnishing, and shopping.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on ikea spends, and no annual fee.
Where value may drop
Fuel, rent, and wallet loads 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 reward points 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 | Edge Reward Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 960 |
| 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 IKEA Spends
3 EDGE REWARD Points / Rs 100 spent
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 wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| IKEA spends | 3 EDGE REWARD Points / Rs 100 spent |
| Dining spends | 2 EDGE REWARD Points / Rs 100 spent |
| All other spends | 1 EDGE REWARD Point / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic airport lounge visits per calendar year (limited to 1 visit per quarter).
Exclusions
Categories that earn no rewards on this card.
- fuel
- rent
- wallet load
- education payments via third-party apps
- online skill-based gaming
- transactions excluded under IKEA Family Credit Card terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Preferred 13% p.a. EMI interest rate on IKEA store purchases (minimum purchase Rs 2,500)
- Dining Delights benefits at participating restaurants
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000, capped at Rs 400 per billing cycle
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 70 years
- Resident of India or NRI
Self-employed
- Age: 18 to 70 years
- Resident of India or NRI
Compare before you decide
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