SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, etihad, and flights.
Why it can work
It combines complimentary airport lounge access, a low 0% forex markup, and accelerated rewards on etihad airways spends.
Where value may drop
The renewal fee is waived only on Rs 5 lakh of annual spend. Fuel, rent, and utilities don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many etihad guest miles you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Etihad Guest Miles/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 3,600 |
| 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 Etihad Airways Spends
6 Etihad Guest Miles / Rs 100 spent
Best for airport lounge access
20 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 0% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns etihad guest miles you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 5,000 fee waives only at Rs 5 lakh/year, and some benefits can be spend-gated.
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 |
|---|---|
| Etihad Airways spends | 6 Etihad Guest Miles / Rs 100 spent |
| Other eligible spends | 2 Etihad Guest Miles / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 12 complimentary domestic airport lounge visits per calendar year (limited to 3 visits per quarter).
- Access is powered by the DreamFolks web-access portal and requires card tokenization and generating a QR code.
- A cooling-off period of 5 hours applies between consecutive visits at the same lounge outlet.
- 8 complimentary international airport lounge visits per calendar year (limited to 2 visits per quarter) via DreamFolks web-access portal or Priority Pass.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Insurance premium payments
- Utilities 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.
Joining benefits
- Up to 15,000 Etihad Guest Miles welcome bonus
Renewal benefits
- Annual fee waived on spends of Rs 5 lakh or more in the preceding anniversary year.
Additional benefits
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 4,000 across fuel stations in India.
- Complimentary Gold Tier status offering 50% bonus miles on Etihad flights, priority check-in, priority boarding, and extra baggage allowance.
Additional details
- Etihad Guest Miles are credited directly to your Etihad Guest account and are redeemable only through the Etihad platform for travel rewards.
- Premium variant is constructed as a metal card.
Eligibility
Check this before you apply.
Salaried
- Resident Indian
- Age between 21 and 60 years
- Annual income of Rs 18 lakh or more
Self-employed
- Resident Indian
- Age between 21 and 60 years
- Annual income of Rs 18 lakh or more
Compare before you decide
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