SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for doctors, healthcare, and medical supplies.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on travel bookings & medical supplies.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. 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 reward 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 | Reward Points/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 3,000 |
| International spends | Rs 5,000 | 3,000 |
| Other spends | Rs 8,000 | 960 |
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 Travel Bookings & Medical Supplies
5 Reward Points / Rs 100 spent
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
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 |
|---|---|---|
| Travel bookings & medical supplies | 5 Reward Points / Rs 100 spent | 7,500 reward points |
| International spends | 5 Reward Points / Rs 100 spent | 7,500 reward points |
| Other eligible retail purchases | 1 Reward Point / Rs 100 spent | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter
- 4 complimentary international airport lounge visits per year through Priority Pass membership, capped at 2 visits per quarter
Exclusions
Categories that earn no rewards on this card.
- fuel spends
- cash advances
- balance transfers
- wallet loading transactions
- rent payments
- government services spends
- merchant EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Yatra Travel e-Gift Voucher worth Rs 1,500
Additional benefits
- Professional indemnity insurance cover of Rs 20 Lakhs for doctors
- 5 Reward Points per Rs 100 on all eligible spends on Doctor's Day (1st July)
- 1% fuel surcharge waiver on eligible fuel transactions between Rs 500 and Rs 4,000, capped at Rs 250 per month
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 65 years
- Must be a practicing doctor or medical professional
- Proof of medical registration/degree is required
Self-employed
- Age: 21 to 65 years
- Must be a practicing doctor or medical professional
- Proof of medical registration/degree is required
Compare before you decide
Alternatives based on what you might want instead.