SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for premium, travel, and lounge.
Why it can work
It combines complimentary airport lounge access and a low 2% forex markup.
Where value may drop
The renewal fee is waived only on Rs 10 lakh of annual spend. 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 reward points 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 | Reward Points/yr |
|---|---|---|
| Utility bills | Rs 3,000 | 360 |
| International spends | Rs 5,000 | 2,400 |
| Other spends | Rs 8,000 | 3,840 |
| 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
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 12,000 fee waives only at Rs 10 lakh/year, and some benefits can be spend-gated.
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 |
|---|---|
| International spends | 4 Reward Points / Rs 100 spent |
| Utility & Insurance spends | 1 Reward Point / Rs 100 spent |
| Other spends | 4 Reward Points / Rs 100 spent |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Maharaja Club | 6:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies.
- Unlimited complimentary domestic and international lounge access for the primary cardholder; no spends criteria applies.
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
- Unlimited complimentary airport spa access in India
- Buy one movie or event ticket and get up to Rs 750 off on the second ticket up to 4 times every month on BookMyShow, subject to spending Rs 25,000 in the preceding calendar quarter
- Up to 4 complimentary golf rounds every month based on eligible spends
- No cancellation charges on domestic flight and hotel bookings, up to Rs 12,000 (twice every year)
- Complimentary shopping voucher from Tata CLiQ worth Rs 5,000 on your birthday (for American Express cardholders only)
- Fuel surcharge waiver of 1% on transactions up to Rs 4,000 at all fuel stations
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 years and above
- Minimum net monthly salary: Rs 1,50,000
Self-employed
- Age: 21 years and above
- Minimum annual income / ITR: Rs 18,00,000
Compare before you decide
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