SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for miles, lufthansa, and star alliance.
Why it can work
It offers complimentary airport lounge access.
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 miles and more award miles 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 | Miles And More Award Miles/yr |
|---|---|---|
| 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 airport lounge access
18 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns miles and more award 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 |
|---|---|
| All eligible spends | 4 Award Miles / Rs 200 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Complimentary domestic lounge access (4 visits/quarter) requires spends of Rs 50,000 in the previous 3 calendar months. New cardholders are exempt from this criteria for the month of card issuance and the next 3 calendar months.
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
- Purchase of gold or jewellery
- Cash withdrawals
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 5,000 welcome Award Miles upon first transaction within 30 days of card activation
Renewal benefits
- 3,000 annual renewal bonus Award Miles upon payment of the annual fee
Additional benefits
- Award Miles do not expire as long as the card account remains active
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 4,000, capped at Rs 400 per billing cycle
- Complimentary Dining Delights program benefits at participating restaurants
Additional details
- Award Miles can be redeemed for flight bookings and upgrades on Lufthansa, Swiss, Austrian, Brussels Airlines, Eurowings, and all Star Alliance partner airlines.
- Miles can also be redeemed for hotel reservations, car rentals, merchandise on the Lufthansa Worldshop, or charitable donations via the Miles & More portal.
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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