SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for phonepe, UPI, and utilities.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on select phonepe transactions (recharges, utilities, bill payments, and travel).
Where value may drop
The renewal fee is waived only on Rs 2 lakh 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 reward points 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 | Reward Points/yr |
|---|---|---|
| Utility bills | Rs 3,000 | 3,600 |
| UPI payments | Rs 5,000 | 600 |
| 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 Select PhonePe Transactions (Recharges, Utilities, Bill Payments, And Travel)
10 Reward Points / Rs 100 spent
Best for airport lounge access
8 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 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 |
|---|---|---|
| Select PhonePe transactions (recharges, utilities, bill payments, and travel) | 10 Reward Points / Rs 100 spent | 1,000 reward points |
| Select online brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber) | 5 Reward Points / Rs 100 spent | 500 reward points |
| UPI Scan & Pay transactions | 1 Reward Point / Rs 100 spent | 500 reward points |
| Other spends (1% via UPI scan & pay) | 1% as Reward Points on other spends | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 2 complimentary domestic lounge access visits per quarter on spending Rs 75,000 or more in the previous calendar quarter
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)
- Education payments
- Insurance premium payments
- Investments and jewelry purchases
- 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
- PhonePe gift card worth Rs 499 on first RuPay credit-card-on-UPI transaction of minimum Rs 100 within 30 days of card issuance
- Additional scratch cards worth Rs 50 each on next 10 RuPay credit-card-on-UPI transactions of minimum Rs 100
Additional benefits
- 1% fuel surcharge waiver on fuel transactions from Rs 400 to Rs 5,000, capped at Rs 250 per statement cycle
Eligibility
Check this before you apply.
Salaried
- Indian national
- Age 21 to 60 years
- Net monthly income above Rs 25,000
Self-employed
- Indian national
- Age 21 to 65 years
- ITR above Rs 26 lakh per annum
Compare before you decide
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