SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for household spends and shopping.
Why it can work
It combines accelerated rewards on amazon, flipkart, swiggy (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 insurance 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.
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 | CashPoints/yr |
|---|---|---|
| Groceries | Rs 5,000 | 6,000 |
| UPI payments | Rs 5,000 | 600 |
| Amazon | Rs 5,000 | 6,000 |
| 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 Amazon, Flipkart, Swiggy (10X CashPoints)
20 CashPoints / Rs 200 spent
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 insurance
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 |
|---|---|---|
| Amazon, Flipkart, Swiggy (10X CashPoints) | 20 CashPoints / Rs 200 spent | 2,500 CashPoints |
| Reliance Smart SuperStore & BigBasket (10X CashPoints) | 20 CashPoints / Rs 200 spent | 1,000 CashPoints |
| Other retail spends | 2 CashPoints / Rs 200 spent | - |
| UPI transactions (RuPay variant) | 2 CashPoints / Rs 200 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 spends
- Rental payments
- Government transactions
- Insurance spends
- Wallet loading transactions
- EMI transactions
- Cash advances / withdrawals
- Card fees and charges
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 500 CashPoints upon payment of the joining fee
Additional benefits
- 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000, capped at Rs 250 per statement cycle
- 10% additional discount on Swiggy Dineout using coupon code HDFCCARDS
- Up to 50 days interest-free credit period from the date of purchase
- Zero lost card liability when reported immediately
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 grocery transactions are capped at 1,000 CashPoints per calendar month
- Reward points on utility spends are capped at 2,000 CashPoints per calendar month
- Redemption of CashPoints against Flights and Hotels via SmartBuy is capped at 50,000 per month, up to 50% of the booking value
- Redemption of CashPoints against product catalogue vouchers is capped up to 70% of voucher value
- Cashback redemptions against statement balance are capped at 3,000 CashPoints per calendar month, with a minimum required balance of 500 CashPoints
- Unredeemed CashPoints expire after 2 years of accumulation
- CashPoints cannot be transferred to partner airlines or hotel loyalty programs
Eligibility
Check this before you apply.
Salaried
- Indian national
- Age: 21 to 60 years
- Net monthly income > Rs 20,000
Self-employed
- Indian national
- Age: 21 to 65 years
- ITR > Rs 6 Lakh per annum
Compare before you decide
Alternatives based on what you might want instead.
HDFC Bank Freedom Credit Card
Best for entry level rewards, shopping, dining.
SimplyCLICK SBI Card
Best for online shopping, partner merchants, entry level rewards.
Reliance SBI Card
Best for reliance, shopping, jiomart.