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, accelerated rewards on international spends, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 6 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 |
| 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
18 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 3,500 fee waives only at Rs 6 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 |
| UPI spends | 2 Reward Points / Rs 100 spent |
| Other spends | 2 Reward Points / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Complimentary domestic lounge access (4 visits per quarter) requires a minimum spend of Rs 75,000 in the previous calendar quarter.
- Complimentary international lounge access (2 visits per calendar year) is provided via Priority Pass or DreamFolks.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Government transactions
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Tata CLiQ voucher worth Rs 3,000
- EaseMyTrip vouchers worth Rs 4,000 (four vouchers of Rs 1,000 each)
- Croma voucher worth Rs 1,500
- Uber vouchers worth Rs 1,000 (four vouchers of Rs 250 each)
Additional benefits
- Buy one movie or event ticket and get up to Rs 500 off on the second ticket twice 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
- RuPay network support for UPI linking with reward point earnings
Eligibility
Check this before you apply.
Salaried
- Age: 21-65 years
- Minimum net monthly salary: Rs 75,000
Self-employed
- Age: 21-65 years
- Minimum annual ITR: Rs 9,00,000
Compare before you decide
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