SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for movies, dining, and fuel waiver.
Why it can work
It offers accelerated rewards on international spends.
Where value may drop
The renewal fee is waived only on Rs 1 lakh of annual spend. 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 |
|---|---|---|
| International spends | Rs 5,000 | 3,600 |
| Other spends | Rs 8,000 | 2,880 |
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 International Spends
12 EDGE REWARD Points / Rs 200 spent
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 |
|---|---|
| Domestic spends | 6 EDGE REWARD Points / Rs 200 spent |
| International spends | 12 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.
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
- Movie ticket purchases
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 100 EDGE REWARD Points on first online transaction
- Joining fee waived on spends of Rs 5,000 within 45 days of card setup
Renewal benefits
- Annual fee waived on spends of Rs 1 lakh in the preceding year
Additional benefits
- 25% cashback on online and box office movie ticket purchases, capped at Rs 1,000 per calendar year
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 4,000, capped at Rs 400 per billing cycle
- Dining Delights discounts of up to 15% at participating partner 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
Alternatives based on what you might want instead.
Axis Bank Freecharge Plus Credit Card
Best for freecharge, cashback, local commute.
Privilege Easy Credit Card
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SimplySAVE SBI Card
Best for dining, movies, departmental stores.