SimplifyCards take:A good fit if you want a card built for UPI and online spends, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
50 Jewels per ₹100 spent on preferred brands shopping, auto-credited with no points to manage
!
Avoid if you spend big on fuel, rent, and wallet loadsWatch out
These categories are excluded and won't earn rewards
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Good fit if you want a card built for UPI and online spends, and you want your rewards as simple, no-tracking cashbackBottom line
It combines a low 2% forex markup, accelerated rewards on preferred brands shopping, and no annual fee
Estimate your Cashback And Jewels
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback And Jewels rates
| Category | Rate | Monthly cap |
|---|---|---|
| Preferred Brands Shopping | 50 Jewels per ₹100 spent | 10,000 Cashback And Jewels |
| Jupiter Flights | 25 Jewels per ₹100 spent | 5,000 Cashback And Jewels |
| Base Retail & UPI Spends | 5 Jewels per ₹100 spent | 5,000 Cashback And Jewels |
Redemption
Statement balanceupto ₹ 0.14 per point
Airmile transferupto 0.16666666666666666 airmile per point
Vouchersupto ₹ 0.2 per point
| Airline | Programme | Ratio | TAT |
|---|---|---|---|
| Air India | Maharaja Club | 6:1 | 5 days |
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Jupiter Vouchers / Digital Gold / Jupiter Flights | Jewels | 1:1 |
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 1% fuel surcharge waiver on transactions between ₹400 and ₹3,000, capped at ₹100 per billing cycle
- Link with preferred UPI apps to make credit card payments directly via UPI QR codes
Additional details
- Jewels are worth ₹0.20 when redeemed for vouchers, digital gold, or flights/hotels via the Jupiter ecosystem
- Jewels are worth ₹0.14 when redeemed as statement credit or cash equivalents
- Jewels can be transferred to Air India Maharaja Club at a 6:1 ratio (minimum 60 Jewels)
- A per-merchant capping of 3,000 Jewels and a per-transaction capping of 1,000 Jewels applies on Preferred Brands shopping
- A 1% transaction fee applies on education spends
Eligibility
Check this before you apply
Salaried
- Age: 21 to 65 years
- Available directly on the Jupiter app based on eligibility checks
Self-employed
- Age: 21 to 65 years
- Available directly on the Jupiter app based on eligibility checks
Exclusions
Spending that does not earn cashback and jewels
- Fuel spends
- Government-related transactions
- Rent payments
- Utility bill payments
- E-wallet loading transactions
- Cash advances and ATM withdrawals
- Payment of outstanding balances and credit card bills
- Payment of card fees and other charges
- All types of EMI transactions
- Education payments
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