SimplifyCards take:A good fit if you want a card built for phonepe, UPI, and utilities, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
10 Reward Points / ₹100 spent on select phonepe transactions (recharges, utilities, bill payments, and travel), 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 phonepe, UPI, and utilities, and you want your rewards as simple, no-tracking cashbackBottom line
It combines complimentary airport lounge access and accelerated rewards on select phonepe transactions (recharges, utilities, bill payments, and travel)
Estimate your Cashback And Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback And Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Select PhonePe Transactions (recharges, Utilities, Bill Payments, And Travel) | 10 Reward Points / ₹100 spent | 1,000 Cashback And Reward Points |
| Select Online Brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, And Uber) | 5 Reward Points / ₹100 spent | 500 Cashback And Reward Points |
| UPI Scan & Pay Transactions | 1 Reward Point / ₹100 spent | 500 Cashback And Reward Points |
| Other Spends (1% Via UPI Scan & Pay) | 1% as Reward Points on other spends | - |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
Domestic lounge8 visits per year
- 2 complimentary domestic lounge access visits per quarter on spending ₹75,000 or more in the previous calendar quarter
2
Fee waiverRenewal fee waived on annual spends of ₹ 2 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- PhonePe gift card worth ₹499 on first RuPay credit-card-on-UPI transaction of minimum ₹100 within 30 days of card issuance
- Additional scratch cards worth ₹50 each on next 10 RuPay credit-card-on-UPI transactions of minimum ₹100
Additional benefits
- 1% fuel surcharge waiver on fuel transactions from ₹400 to ₹5,000, capped at ₹250 per statement cycle
Eligibility
Check this before you apply
Salaried
- Indian national
- Age 21 to 60 years
- Net monthly income above ₹25,000
Self-employed
- Indian national
- Age 21 to 65 years
- ITR above ₹26 lakh per annum
Exclusions
Spending that does not earn cashback and reward points
- Fuel transactions
- Wallet loading transactions
- Rent payments
- Government related transactions
- EMI transactions (including post-facto EMI conversions)
- Education payments
- Insurance premium payments
- Investments and jewelry purchases
- Cash advances / cash withdrawals
- Payment of outstanding balances
- Payment of card fees, interest, and charges
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