SimplifyCards take:A good fit if you want a card built for digital first, UPI, and SmartBuy, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
5% Cashback on SmartBuy transactions, 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 digital first, UPI, and SmartBuy, and you want your rewards as simple, no-tracking cashbackBottom line
It combines accelerated rewards on SmartBuy transactions and milestone rewards
Estimate your Cashback And PIXEL CashPoints
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback And PIXEL CashPoints rates
| Category | Rate | Monthly cap |
|---|---|---|
| SmartBuy Transactions | 5% Cashback | 500 Cashback And PIXEL CashPoints |
| UPI Transactions (RuPay Variant) | 1% Cashback | 500 Cashback And PIXEL CashPoints |
| Online Spends | 1% Cashback | - |
| Other Eligible Transactions | 1% Cashback | - |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
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Fee waiverRenewal fee waived on annual spends of ₹ 50,000
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 1% fuel surcharge waiver at fuel stations across India on transactions from ₹400 to ₹5,000, capped at ₹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 ₹8,000
Self-employed
- Indian national
- Age 21 to 65 years
- ITR above ₹6 lakh per annum
Exclusions
Spending that does not earn cashback and pixel cashpoints
- 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
Compare before you decide
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