SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for lifestyle, movies, and lounge.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on international spends, and milestone rewards.
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. 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 | 360 |
| International spends | Rs 5,000 | 2,400 |
| 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 International Spends
4 Reward Points / Rs 100 spent
Best for airport lounge access
8 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if your spend is low
The Rs 2,000 fee waives only at Rs 3 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 |
|---|---|
| Domestic retail spends | 2 Reward Points / Rs 100 spent |
| International spends | 4 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 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Two complimentary domestic airport lounge visits per quarter, subject to spending Rs 75,000 in the preceding calendar quarter
- Offers 2 complimentary domestic airport lounge visits per quarter, subject to spending Rs 75,000 in the preceding calendar quarter.
- Two complimentary domestic railway lounge visits per quarter (no spend requirement)
- Offers 2 complimentary domestic railway lounge visits per quarter (no spends criteria).
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.
Joining benefits
- Tata CLiQ voucher worth Rs 2,000
- EaseMyTrip vouchers worth Rs 2,000 (two vouchers of Rs 1,000 each)
- Croma vouchers worth Rs 1,000 (two vouchers of Rs 500 each)
- Uber voucher worth Rs 250
Additional benefits
- Two complimentary domestic airport lounge visits per quarter, subject to spending Rs 75,000 in the preceding calendar quarter
- Two complimentary domestic railway lounge visits per quarter (no spend requirement)
- 25% discount on BookMyShow and INOX movie tickets, capped at Rs 150 per ticket, twice a month (minimum 2 tickets), 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
- Up to 4 complimentary golf rounds every month based on eligible monthly spends
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 net monthly salary: Rs 50,000
Self-employed
- Age: 21 - 65 years
- Minimum annual income / ITR: Rs 5,50,000
Compare before you decide
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