SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for dining, movies, and SmartBuy.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on hotels via SmartBuy (10x), and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 3 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.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
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 |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 4,800 |
| Other spends | Rs 8,000 | 1,920 |
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 Hotels Via SmartBuy (10X)
40 Reward Points / Rs 200 spent on hotels via SmartBuy (10X)
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
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 | Daily cap | Monthly cap |
|---|---|---|---|
| swiggy zomato | 20 Reward Points / Rs 200 spent on Swiggy and Zomato | - | 2,500 reward points |
| Hotels via SmartBuy (10X) | 40 Reward Points / Rs 200 spent on hotels via SmartBuy (10X) | 2,000 reward points | 2,000 reward points |
| Flights via SmartBuy (5X) | 20 Reward Points / Rs 200 spent on flights via SmartBuy (5X) | 2,000 reward points | 2,000 reward points |
| Other SmartBuy spends, e.g. online (5X) | 20 Reward Points / Rs 200 spent via SmartBuy (5X) | 2,000 reward points | 4,000 reward points |
| others | 4 Reward Points / Rs 200 spent | - | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending Rs 60,000 in the preceding calendar quarter.
- Complimentary lounge access (8 domestic and 4 international visits per year, unlocked as 2 domestic and 1 international visit per quarter) is spend-based starting 1 July 2026: Requires spending Rs 60,000 in the preceding calendar quarter.
Exclusions
Categories that earn no rewards on this card.
- fuel
- rent
- wallet loads
- government transactions
- cash withdrawal
- emi transactions
- fees and charges
- online skill-based gaming
- education payments through third-party apps
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Complimentary annual memberships of Swiggy One and Times Prime as welcome benefit on spends of Rs 75,000 in the first 90 days of card issuance
Additional benefits
- Buy 1 Get 1 free on weekend movie and non-movie tickets via BookMyShow, up to 2 free tickets every calendar month, capped at Rs 250 per ticket
- Extra 10% off on Dineout bills at participating restaurants via Good Food Trail program
Additional details
- Reward Points on grocery transactions are capped at 2,00,000 total cycle cap, but specifically capped at 2,000 Reward Points per calendar month for grocery spends
- Reward Points on utility and telecom transactions are capped at 2,00,000 total cycle cap, but specifically capped at 2,000 Reward Points per calendar month for utility and telecom categories individually
- Reward Points on insurance transactions are capped at 2,000 Reward Points per calendar month (effective 1 July 2025)
- Redemption of reward points for flights and hotel bookings on SmartBuy is capped at 50,000 per calendar month
Latest updates
Recent changes to this card.
- Reward earnings moved to 4 reward points per Rs 200 on eligible categories from 15 May 2026.
- Lounge access becomes spend-gated from the quarter starting 1 July 2026, with 2 domestic and 1 international access per quarter available only after Rs 60,000 prior-quarter spend.
- The official change notice also revises INR DCC markup to 1.75% and the card reissuance fee to Rs 199.
Eligibility
Check this before you apply.
Salaried
- Indian national
- Age 21 to 60 years
- Net salary of Rs 35,000 or more per month
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR above Rs 6,00,000
Compare before you decide
Alternatives based on what you might want instead.
Landmark Rewards SBI Card PRIME
Best for shopping, lifestyle, dining.
ICICI Bank Rubyx Credit Card
Best for lifestyle, movies, lounge.
HDFC Bank Diners Club Black Metal Edition Credit Card
Best for premium travel, lounge, smartbuy.
Tips
Practical notes from verified sources.
Activate HDFC Global Value Program to get an additional 1% cashback on international spends.