SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for UPI and online spends.
Why it can work
It combines a low 2% forex markup, accelerated rewards on preferred brands shopping, and no annual fee.
Where value may drop
Fuel, rent, and wallet loads 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 jewels 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 | Jewels/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 90,000 |
| Flight bookings | Rs 5,000 | 15,000 |
| UPI payments | Rs 5,000 | 3,000 |
| Other spends | Rs 8,000 | 4,800 |
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 Preferred Brands Shopping
50 Jewels per ₹100 spent
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid if you spend big on fuel, rent, and wallet loads
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 |
|---|---|---|
| Preferred Brands shopping | 50 Jewels per ₹100 spent | 10,000 jewels |
| Jupiter Flights | 25 Jewels per ₹100 spent | 5,000 jewels |
| Base retail & UPI spends | 5 Jewels per ₹100 spent | 5,000 jewels |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Jupiter Vouchers / Digital Gold / Jupiter Flights | Jewels | 1:1 |
Exclusions
Categories that earn no rewards on this card.
- 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
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
- 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
Compare before you decide
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