SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for lifetime free, entry level, and fuel.
Why it can work
It offers no annual fee.
Where value may drop
Rent, wallet loads, and government payments 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.
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 |
| 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 as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on rent, wallet loads, and government payments
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Retail spends | 2 Reward Points / Rs 100 spent |
| Utility & Insurance spends | 1 Reward Point / Rs 100 spent |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Air India | Air India Maharaja Club | 6:1 |
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
- 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
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