SimplifyCards take:A good fit if you want a card built for UPI, online shopping, and payzapp, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
5% Cashback on selected 5% merchant packs (dining & entertainment, travel, grocery, electronics, fashion), 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 UPI, online shopping, and payzapp, and you want your rewards as simple, no-tracking cashbackBottom line
It combines accelerated rewards on selected 5% merchant packs (dining & entertainment, travel, grocery, electronics, fashion) 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 |
|---|---|---|
| Selected 5% Merchant Packs (Dining & Entertainment, Travel, Grocery, Electronics, Fashion) | 5% Cashback | 500 Cashback And PIXEL CashPoints |
| SmartBuy Transactions | 5% Cashback | 500 Cashback And PIXEL CashPoints |
| Selected 3% E-Commerce Platform (Amazon, Flipkart, Or PayZapp) | 3% Cashback | 500 Cashback And PIXEL CashPoints |
| UPI Transactions (RuPay Variant) | 1% Cashback | 500 Cashback And PIXEL CashPoints |
| 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 ₹ 1 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Choose any two 5% cashback packs: Dining & Entertainment, Travel, Grocery, Electronics, or Fashion
- Choose one 3% cashback ecommerce platform: Amazon, Flipkart, or PayZapp
- 1% cashback on UPI spends for PIXEL RuPay Credit Card holders
- Manage card, rewards, EMI, statements, repayments, disputes, and controls through PayZapp
- Choose billing date, merchant partners, and card colour
- Up to 50 days interest-free period
- 1% fuel surcharge waiver at fuel stations across India on 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
- Monthly income ₹25,000
Self-employed
- Indian national
- Age 21 to 65 years
- Annual ITR greater than ₹6 lakh
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
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