SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, makemytrip, and low forex.
Why it can work
It combines complimentary airport lounge access, a low 0.99% forex markup, and accelerated rewards on makemytrip hotel bookings.
Where value may drop
The renewal fee is waived only on Rs 3 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 myCash 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 | MyCash/yr |
|---|---|---|
| Hotel bookings | Rs 4,000 | 2,880 |
| Flight bookings | Rs 5,000 | 1,800 |
| Other spends | Rs 8,000 | 960 |
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 MakeMyTrip Hotel Bookings
6 myCash / Rs 100 spent
Best for airport lounge access
9 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 0.99% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns myCash you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| MakeMyTrip Hotel bookings | 6 myCash / Rs 100 spent |
| MakeMyTrip flight bookings | 3 myCash / Rs 100 spent |
| Other retail spends | 1 myCash / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Complimentary domestic lounge access (8 visits per year, max 2 per quarter) requires spending Rs 75,000 in the previous calendar quarter.
- Complimentary international lounge access (1 visit per year) requires Priority Pass membership.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Government transactions
- EMI transactions
- Balance transfers
- Personal loan transactions on the card
- Joining/Annual fee payments
- Late payment charges
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- MakeMyTrip voucher worth Rs 1,000
- Complimentary 1-year MMTBLACK Gold membership
Renewal benefits
- MakeMyTrip hotel voucher worth Rs 1,000
Additional details
- myCash rewards do not expire
Eligibility
Check this before you apply.
Salaried
- Age: 21-65 years
- Minimum net monthly salary: Rs 20,000
Self-employed
- Age: 21-65 years
- Minimum annual ITR: Rs 2,40,000
Compare before you decide
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