SimplifyCards take:A good fit if you want a card built for shopping, dining, and travel
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Best for BigBasket, BookMyShow, OYO, Swiggy, And Uber (10X CashPoints)Best for
10 CashPoints / ₹150 spent
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for shopping, dining, and travelBottom line
It combines accelerated rewards on bigbasket, bookmyshow, oyo, swiggy, and uber (10x cashpoints) and milestone rewards
Estimate your CashPoints
Adjust your monthly spend to see the card's estimated annual value
How the card works
CashPoints rates
| Category | Rate | Monthly cap |
|---|---|---|
| BigBasket, BookMyShow, OYO, Swiggy, And Uber (10X CashPoints) | 10 CashPoints / ₹150 spent | 2,500 CashPoints |
| UPI Transactions (RuPay Variant) | 1 CashPoint / ₹150 spent | 500 CashPoints |
| Other Retail Spends | 1 CashPoint / ₹150 spent | - |
Redemption
Statement balanceupto ₹ 0.15 per point
SmartBuy flight/hotelupto ₹ 0.15 per point
Important conditions
1
Milestone500 CashPoints on fee realisation, applicable only on payment of joining membership fee
2
Fee waiverRenewal fee waived on annual spends of ₹ 50,000
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 500 CashPoints on payment of joining membership fee
Additional benefits
- Up to 10% savings on restaurant bill payments via Swiggy Dineout using coupon code HDFCCARDS
- SmartEMI option to convert purchases of ₹2,500 or more into easy monthly installments
- 1% fuel surcharge waiver at fuel stations across India on transactions from ₹400 to ₹5,000, capped at ₹250 per statement cycle
Additional details
- Maximum reward points that can be earned in a single statement cycle is 15,000
Eligibility
Check this before you apply
Salaried
- Indian national
- Age 21 to 60 years
- Gross monthly income ₹12,000 or above
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR ₹2 lakh or above
Exclusions
Spending that does not earn cashpoints
- Fuel transactions
- Wallet loading transactions
- Rent payments
- Government related transactions
- EMI transactions (including post-facto EMI conversions)
- Cash advances / cash withdrawals
- Payment of outstanding balances
- Payment of card fees, interest, and charges
Compare before you decide
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