SimplifyCards take:A good fit if you want a card built for cheq, travel, and UPI, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
24 CheQ Points per ₹200 spent on select brands on cheq (amazon, flipkart, zomato, bigbasket, apple via unicorn), auto-credited with no points to manage
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Avoid if you spend big on fuel, rent, and insuranceWatch out
These categories are excluded and won't earn rewards
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Good fit if you want a card built for cheq, travel, and UPI, and you want your rewards as simple, no-tracking cashbackBottom line
It offers accelerated rewards on select brands on cheq (amazon, flipkart, zomato, bigbasket, apple via unicorn)
Estimate your Cashback And CheQ Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback And CheQ Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Select Brands On CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple Via Unicorn) | 24 CheQ Points per ₹200 spent | 12,000 Cashback And CheQ Points |
| CheQ Travel Bookings And Utility Bill Payments On CheQ App | 24 CheQ Points per ₹200 spent | 12,000 Cashback And CheQ Points |
| Other Eligible Shopping, Dining, Food Delivery, And Online Grocery Spends | 10 CheQ Points per ₹200 spent | 12,000 Cashback And CheQ Points |
| CheQ UPI On Linked RuPay Card | 5 CheQ Points per ₹200 spent | 12,000 Cashback And CheQ Points |
| Other Eligible Spends | 2 CheQ Points per ₹200 spent | - |
Redemption
CheQ Travelupto ₹ 0.5 per cashback and CheQ point
Statement balanceupto ₹ 0.25 per point
Vouchersupto ₹ 0.5 per point
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| 30+ top brands | Gift cards | 2:1 |
Important conditions
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Fee waiverRenewal fee waived on annual spends of ₹ 3 lakh
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
Exclusions
Spending that does not earn cashback and cheq points
- 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
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