SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for UPI, movies, and railway lounge.
Why it can work
It combines complimentary airport lounge access and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1.5 lakh of annual spend. Fuel, rent, and wallet loads don't earn rewards. The 3.5% forex markup is high for overseas use.
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.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
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 | 720 |
| UPI payments | Rs 5,000 | 1,200 |
| Other spends | Rs 8,000 | 1,920 |
| Insurance | Rs 2,000 | 240 |
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 airport lounge access
4 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 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 |
|---|---|
| Other retail spends | 2 Reward Points / Rs 100 spent |
| Utility & Insurance spends | 1 Reward Point / Rs 100 spent |
| Merchant UPI spends | 2 Reward Points / Rs 100 spent |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Air India Maharaja Club | 6:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Offers 1 complimentary domestic airport lounge access per quarter, subject to spending Rs 75,000 in the preceding calendar quarter.
- Offers 1 complimentary domestic railway lounge access per quarter (no spends criteria).
- One complimentary domestic railway lounge visit per quarter
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Government transactions
- Tax payments
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- One complimentary domestic railway lounge visit per quarter
- 25% discount on BookMyShow and INOX movie tickets, capped at Rs 100 twice a month, subject to spending Rs 25,000 in the preceding calendar quarter
- 1% fuel surcharge waiver on all fuel transactions of Rs 400 to Rs 4,000 at HPCL petrol pumps
Additional details
- A transaction fee of 1% applies to utility payments exceeding Rs 50,000 per month
Eligibility
Check this before you apply.
Salaried
- Age: 21 - 65 years
- Minimum monthly income: ₹20,000
Self-employed
- Age: 21 - 65 years
- Minimum monthly income: ₹20,000
Compare before you decide
Alternatives based on what you might want instead.
ICICI Bank Coral Credit Card
Best for movies, railway lounge, fuel.
ICICI Bank HPCL Coral Credit Card
Best for fuel, hpcl, movies.
ICICI Bank Sapphiro RuPay Credit Card
Best for premium, travel, lounge.