SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for shopping, dining, and travel.
Why it can work
It combines accelerated rewards on bigbasket, bookmyshow, oyo, swiggy, and uber (10x cashpoints) and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 50,000 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 CashPoints 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 | CashPoints/yr |
|---|---|---|
| UPI payments | Rs 5,000 | 400 |
| Other spends | Rs 8,000 | 640 |
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 BigBasket, BookMyShow, OYO, Swiggy, And Uber (10X CashPoints)
10 CashPoints / Rs 150 spent
Best for travel and redemptions
Earns CashPoints 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 |
|---|---|---|
| BigBasket, BookMyShow, OYO, Swiggy, and Uber (10X CashPoints) | 10 CashPoints / Rs 150 spent | 2,500 CashPoints |
| UPI transactions (RuPay variant) | 1 CashPoint / Rs 150 spent | 500 CashPoints |
| Other retail spends | 1 CashPoint / Rs 150 spent | - |
Redemption
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 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
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 Rs 2,500 or more into easy monthly installments
- 1% fuel surcharge waiver at fuel stations across India on transactions from Rs 400 to Rs 5,000, capped at Rs 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 Rs 12,000 or above
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR Rs 2 lakh or above
Compare before you decide
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