SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for cheq, travel, and UPI.
Why it can work
It offers accelerated rewards on select brands on cheq (amazon, flipkart, zomato, bigbasket, apple via unicorn).
Where value may drop
The renewal fee is waived only on Rs 3 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many CheQ 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 | CheQ Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 21,600 |
| Travel (cab, train, etc.) | Rs 5,000 | 7,200 |
| Groceries | Rs 5,000 | 7,200 |
| Utility bills | Rs 3,000 | 4,320 |
| UPI paymentsexcluded | Rs 5,000 | — |
| Amazon | Rs 5,000 | 7,200 |
| Other spends | Rs 8,000 | 2,400 |
Categories marked excluded earn no rewards on this card.
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 Select Brands On CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple Via Unicorn)
24 CheQ Points per ₹200 spent
Best for travel and redemptions
Earns CheQ points you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Select brands on CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn) | 24 CheQ Points per ₹200 spent | 12,000 CheQ points |
| CheQ Travel bookings and utility bill payments on CheQ app | 24 CheQ Points per ₹200 spent | 12,000 CheQ points |
| Other eligible shopping, food delivery, and online grocery spends | 10 CheQ Points per ₹200 spent | 12,000 CheQ points |
| CheQ UPI on linked RuPay card | 5 CheQ Points per ₹200 spent | 12,000 CheQ points |
| Other eligible spends | 2 CheQ Points per ₹200 spent | - |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| 30+ top brands | Gift cards | 2:1 |
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 purchases
- Education spends
- Gold purchases
- Gambling transactions
- Insurance payments
- Utility payments made outside the CheQ app
- Rent-related spends
- Transactions below ₹200
- EMI transactions
- UPI transactions made outside the CheQ app
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- EazyDiner membership on joining
Additional benefits
- 1% fuel surcharge waiver up to ₹150 on fuel spends
- Zero processing fee on Xpress EMI conversions
Additional details
- CheQ points are typically credited within 2-3 working days after the transaction is completed and settled.
- Base rewards are uncapped, while accelerated categories share a cap of 12,000 CheQ points per month.
- Bill-payment redemptions on the CheQ app work at 4 CheQ Points = ₹1 and are available within 2 days of monthly statement generation.
Eligibility
Check this before you apply.
Salaried
- Age 21 to 60 years
- Monthly income of ₹25,000 or above
- Resident Indian with credit score 750+ and address in an AU Bank serviceable area
Self-employed
- Age 25 to 65 years
- Monthly income of ₹25,000 or above
- Resident Indian with credit score 750+ and address in an AU Bank serviceable area
Compare before you decide
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