SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for movies, swiggy, and ajio.
Why it can work
It combines complimentary airport lounge access 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 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 |
|---|---|---|
| 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
4 complimentary lounge visits a year across domestic and international.
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 |
|---|---|
| Eligible retail spends | 4 EDGE REWARD Points / Rs 200 spent |
Redemption
| Airline | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| airasia | airasia rewards | 10:1 | Group B | 4,00,000 edge reward points |
| Air Canada | Aeroplan | 20:1 | Group A | 1,00,000 edge reward points |
| Air France-KLM | Flying Blue | 20:1 | Group B | 4,00,000 edge reward points |
| Air India | Maharaja Club | 20:1 | Group B | 4,00,000 edge reward points |
| British Airways | The British Airways Club | 10:1 | Group A | 1,00,000 edge reward points |
| Ethiopian Airlines | ShebaMiles | 20:1 | Group A | 1,00,000 edge reward points |
| Etihad Airways | Etihad Guest | 20:1 | Group A | 1,00,000 edge reward points |
| Finnair | Finnair Plus | 10:1 | Group A | 1,00,000 edge reward points |
| Japan Airlines | JAL Mileage Bank | 20:1 | Group A | 1,00,000 edge reward points |
| Qantas | Qantas Frequent Flyer | 20:1 | Group B | 4,00,000 edge reward points |
| Singapore Airlines | KrisFlyer | 20:1 | Group A | 1,00,000 edge reward points |
| SpiceJet | SpiceClub | 10:1 | Group B | 4,00,000 edge reward points |
| Thai Airways | Royal Orchid Plus | 20:1 | Group A | 1,00,000 edge reward points |
| Turkish Airlines | Miles&Smiles | 20:1 | Group A | 1,00,000 edge reward points |
| United Airlines | MileagePlus | 20:1 | Group A | 1,00,000 edge reward points |
| Vietnam Airlines | Lotusmiles | 10:1 | Group A | 1,00,000 edge reward points |
| Hotel group | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| IHG Hotels & Resorts | IHG One Rewards | 20:1 | Group B | 4,00,000 edge reward points |
| ITC Hotels | Club ITC | 10:1 | Group B | 4,00,000 edge reward points |
| Orchid Hotels | Orchid Rewards | 20:1 | Group B | 4,00,000 edge reward points |
| The Postcard Hotel | The Postcard Sunshine Club | 20:1 | Group B | 4,00,000 edge reward points |
| Radisson Hotels | Radisson Rewards | 20:1 | Group B | 4,00,000 edge reward points |
| Wyndham Hotels & Resorts | Wyndham Rewards | 20:1 | Group B | 4,00,000 edge reward points |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 1 complimentary domestic airport lounge visit per calendar quarter (4 per year) on spends of Rs 50,000 in the last 3 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
- Educational institution payments
- Purchase of gold or jewellery
- Movie ticket purchases
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- SonyLIV Premium annual subscription worth Rs 1,499 on first purchase within 30 days of issuance
- Buy one get one movie ticket on District app, capped at Rs 200 per month
- Flat Rs 120 off on Swiggy food delivery twice per month on minimum order value of Rs 500
- AJIO discount offers including up to Rs 1,000 off on eligible purchases
- 1 complimentary domestic airport lounge visit per calendar quarter (4 per year) on spends of Rs 50,000 in the last 3 months
- 1% fuel surcharge waiver on eligible fuel transactions
Additional details
- Travel EDGE transfers for Other cards are capped at 5,00,000 EDGE REWARD Points per customer ID per calendar year, including up to 1,00,000 to Group A partners and 4,00,000 to Group B partners.
- Minimum 300 EDGE REWARD Points are required per partner-transfer request.
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.
Axis Bank Select Credit Card
Best for bigbasket, swiggy, movies.
AXIS BANK PRIVILEGE Credit Card
Best for shopping, travel, movies.
Axis Bank REWARDS Credit Card
Best for apparel, departmental stores, swiggy.