SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online and wallets, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on SmartBuy, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1 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 cashback you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| 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
5% CashBack on select online merchants, auto-credited with no points to manage.
Best for airport lounge access
4 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.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| 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
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Either Rs 1,000 gift voucher or 1 domestic lounge access voucher on spends of Rs 1,00,000 and above in each calendar quarter
Exclusions
Categories that earn no rewards on this card.
- fuel
- rent
- government payments
- cash withdrawal
- wallet loads
- emi transactions
- card fees and charges
- payment of outstanding balances
- education payments through third-party apps
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 Rs 400 to Rs 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 = Rs 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 Rs 35,000
Self-employed
- Indian national
- Age: 21 to 40 years
- ITR above Rs 6 lakh per annum
Compare before you decide
Alternatives based on what you might want instead.
SBI Cashback Credit Card
Best for online, cashback.
Standard Chartered Smart Credit Card
Best for cashback, online, entry level.
Swiggy HDFC Bank BLCK Credit Card
Best for swiggy, food delivery, online shopping.