SimplifyCards take:A good fit if you want a card built for online and wallets, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
5% CashBack on select online merchants, auto-credited with no points to manage
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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 online and wallets, and you want your rewards as simple, no-tracking cashbackBottom line
It combines complimentary airport lounge access, accelerated rewards on SmartBuy, and milestone rewards
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Daily cap | Monthly cap |
|---|---|---|---|
| Select Online Merchants | 5% CashBack | - | 1,000 Cashback |
| Others | 1% CashBack | - | 1,000 Cashback |
| SmartBuy | Up to 10% CashBack | 1,000 Cashback | 1,000 Cashback |
Redemption
Statement balanceupto ₹ 1 per point
SmartBuy flight/hotelupto ₹ 1 per point
SmartBuy rewards catalogueupto ₹ 0.3 per point
Important conditions
1
Domestic lounge4 visits per year
- Either ₹1,000 gift voucher or 1 domestic lounge access voucher on spends of ₹1,00,000 and above in each calendar quarter
2
MilestoneEither ₹1,000 gift voucher or 1 domestic lounge access voucher on spends of ₹1,00,000 and above in each calendar quarter
3
Fee waiverRenewal fee waived on annual spends of ₹ 1 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 1,000 CashPoints on payment of joining or renewal membership fee, equivalent to the fee amount (counted under renewal — granted every fee cycle)
Renewal benefits
- 1,000 CashPoints on payment of the renewal membership fee, equivalent to the fee amount
Additional benefits
- 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
- Up to 10% cashback across 200+ brands via SmartBuy/PayZapp Shop
- 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS
- 1% fuel surcharge waiver at fuel stations across India on transactions from ₹400 to ₹5,000
Additional details
- CashPoints are posted on a calendar-month basis, with settled transactions from the 1st to the 30th/31st posted in the first week of the subsequent calendar month
- Reward Points on flights and hotels via SmartBuy redeem at 1 CashPoint = ₹1, capped at 50,000 CashPoints per calendar month and up to 50% of booking value
- Reward Points for cashback redemption are capped at 3,000 per calendar month
- Unredeemed CashPoints expire within 2 years of accumulation
Eligibility
Check this before you apply
Salaried
- Indian national
- Age: 21 to 40 years
- Net monthly income above ₹35,000
Self-employed
- Indian national
- Age: 21 to 40 years
- ITR above ₹6 lakh per annum
Exclusions
Spending that does not earn cashback
- fuel
- rent
- government payments
- cash withdrawal
- wallet loads
- emi transactions
- card fees and charges
- payment of outstanding balances
- education payments through third-party apps
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