SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for flipkart, myntra, and cleartrip, and you want your rewards as simple, no-tracking cashback.
Why it can work
It offers accelerated rewards on myntra.
Where value may drop
The renewal fee is waived only on Rs 3.5 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Travel (cab, train, etc.) | 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 simple cashback
7.5% cashback on myntra, auto-credited with no points to manage.
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 insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Statement quarter cap |
|---|---|---|
| Myntra | 7.5% cashback | Rs 4,000 |
| Flipkart | 5% cashback | Rs 4,000 |
| Cleartrip | 5% cashback | Rs 4,000 |
| Preferred/Select merchants | 4% cashback | Rs 4,000 |
| Other eligible spends | 1% cashback | - |
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 spends
- wallet loads, gift or prepaid card loads, and voucher purchases
- rent and property management payments
- government related transactions
- education payments
- utility transactions
- insurance transactions
- jewellery transactions
- gaming spends
- merchant EMI and Flexipay transactions
- cash withdrawals
- balance transfers
- cash advances
- outstanding balance payments
- fees and charges
- transactions excluded under SBI Card terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Rs 250 Flipkart Gift Card on fee realisation
- Rs 1,000 additional Flipkart benefit on the first transaction on Flipkart, as per card offer terms
Additional benefits
- 1% fuel surcharge waiver on eligible fuel transactions from Rs 500 to Rs 4,000, capped at Rs 400 per statement cycle
Additional details
- Cashback is credited to the card account and accelerated cashback categories are subject to quarterly caps as defined in SBI Card terms.
Eligibility
Check this before you apply.
Salaried
- Age 21 to 60 years
- Stable income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Self-employed
- Age 25 to 60 years
- Stable business income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Compare before you decide
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