SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for amazon, amazon pay merchants, and online, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines a low 1.99% forex markup, accelerated rewards on amazon.in (prime members), and no annual fee.
Where value may drop
Fuel, rent, and wallet loads don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 3,600 |
| Amazonexcluded | Rs 5,000 | — |
| Other spends | Rs 8,000 | 960 |
Categories marked excluded earn no rewards on this card.
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 simple cashback
5% cashback on amazon.in (prime members), auto-credited with no points to manage.
Best for international spends
A low 1.99% forex markup keeps overseas and forex transactions cheaper.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Amazon.in (Prime members) | 5% cashback |
| Amazon.in (Non-Prime members) | 3% cashback |
| Amazon Pay partner merchants | 2% cashback |
| E-books, gift cards, bill payments, recharges, and Amazon Pay loading | 2% cashback |
| Other spends | 1% cashback |
Exclusions
Categories that earn no rewards on this card.
- fuel
- rent transactions
- gold, silver, and precious metals
- tax-related payments
- education transactions
- international transactions
- utility transactions outside Amazon platform
- government transactions
- e-wallet loads
- EMI transactions including EMI on call
- cash transactions
- fees and charges
- interest and service charges
- skill-based gaming
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Earnings are auto-credited as Amazon Pay balance within 2 working days of billing cycle completion
- 1% fuel surcharge waiver across all fuel purchases
- Low forex mark-up of 1.99% on international spends
Additional details
- No expiry on earnings credited as Amazon Pay balance.
Eligibility
Check this before you apply.
Salaried
- Indian citizen aged 21 years or above
- Monthly income of at least Rs 20,000
- Invite-only programme
Self-employed
- Indian citizen aged 21 years or above
- Monthly income of at least Rs 30,000
- Invite-only programme
Compare before you decide
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