SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for zomato, blinkit, and bookmyshow.
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.
Rs 250Joining + annual fee
RuPay / VisaNetwork
3.5%Forex markup
Rs 250Joining fee
Reward calculator
Enter your monthly spend to estimate how many edge reward points and merchant discounts you earn and what they are worth.
Rs 8,000per month
Rs 96,000per year
You earn about480 Edge Reward Points And Merchant Discounts/yr
up to Rs 96best redemption · 0.1% effective
What your points are worth
Same points, very different value depending on how you redeem.
directStatement creditBest
Rs 96Rs 0.2 / edge reward points and merchant discounts
transferClub ITC
Rs 48Rs 0.10 / edge reward points and merchant discounts
milesTransfer to airline miles / hotel points
48 miles/pts0.1 / edge reward points and merchant discounts · Rs 48
How you earn it
| Category | Monthly spend | Edge Reward Points And Merchant Discounts/yr |
|---|---|---|
| Other spends | Rs 8,000 | 480 |
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.
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 spends | 1 EDGE REWARD Point / Rs 200 spent |
Redemption
Statement balanceupto Rs 0.2 per point
Airmile transferupto 0.1 airmile per point
| Airline | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| airasia | airasia rewards | 10:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| Air Canada | Aeroplan | 20:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| Air France-KLM | Flying Blue | 20:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| Air India | Maharaja Club | 20:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| British Airways | The British Airways Club | 10:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| Ethiopian Airlines | ShebaMiles | 20:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| Etihad Airways | Etihad Guest | 20:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| Finnair | Finnair Plus | 10:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| Japan Airlines | JAL Mileage Bank | 20:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| Qantas | Qantas Frequent Flyer | 20:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| Singapore Airlines | KrisFlyer | 20:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| SpiceJet | SpiceClub | 10:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| Thai Airways | Royal Orchid Plus | 20:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| Turkish Airlines | Miles&Smiles | 20:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| United Airlines | MileagePlus | 20:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| Vietnam Airlines | Lotusmiles | 10:1 | Group A | 1,00,000 edge reward points and merchant discounts |
| Hotel group | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| IHG Hotels & Resorts | IHG One Rewards | 20:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| ITC Hotels | Club ITC | 10:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| Orchid Hotels | Orchid Rewards | 20:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| The Postcard Hotel | The Postcard Sunshine Club | 20:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| Radisson Hotels | Radisson Rewards | 20:1 | Group B | 4,00,000 edge reward points and merchant discounts |
| Wyndham Hotels & Resorts | Wyndham Rewards | 20:1 | Group B | 4,00,000 edge reward points and merchant discounts |
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
- Spends at financial institutions (cash advances, repayments, etc.)
- Online skill-based gaming transactions
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 100% cashback up to Rs 300 on first utility bill payment within 30 days of card issuance
- Flat Rs 120 off on Zomato food delivery twice per month on minimum order value of Rs 499
- 5% off on Paytm mobile recharge, broadband, DTH and utility payments, capped at Rs 150 per month
- 10% off on Blinkit, capped at Rs 250 per month on minimum spends of Rs 750
- 10% off on BookMyShow movie tickets, capped at Rs 100 per month
- Dining Delights discounts at participating restaurants
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
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