SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for digital first, UPI, and SmartBuy.
Why it can work
It combines accelerated rewards on SmartBuy transactions and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 50,000 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 PIXEL CashPoints 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 | PIXEL CashPoints/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 1,800 |
| 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 SmartBuy Transactions
5% Cashback
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.
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 |
|---|---|---|
| SmartBuy transactions | 5% Cashback | 500 PIXEL CashPoints |
| UPI transactions (RuPay variant) | 1% Cashback | 500 PIXEL CashPoints |
| Online spends | 1% Cashback | - |
| Other eligible transactions | 1% Cashback | - |
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 transactions
- Wallet loading transactions
- Rent payments
- Government related transactions
- EMI transactions (including post-facto EMI conversions)
- 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.
Additional benefits
- 1% fuel surcharge waiver at fuel stations across India on transactions from Rs 400 to Rs 5,000, capped at Rs 250 per statement cycle
- Up to 10% savings on restaurant bill payments via Swiggy Dineout
- FD-backed PIXEL Credit Card option through PayZapp
Eligibility
Check this before you apply.
Salaried
- Indian national
- Age 21 to 60 years
- Net monthly income above Rs 8,000
Self-employed
- Indian national
- Age 21 to 65 years
- ITR above Rs 6 lakh per annum
Compare before you decide
Alternatives based on what you might want instead.
HDFC Bank PIXEL Play Credit Card
Best for customizable cashback, upi, online shopping.
HSBC RuPay Cashback Credit Card
Best for rupay, upi, cashback.
IDFC FIRST EA₹N Credit Card
Best for secured card, upi, cashback.