SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for metal card, lifestyle, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 1% forex markup, and accelerated rewards on dining, travel, online, international, birthday, and incremental spends above rs 20,000.
Where value may drop
Fuel 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.
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 |
|---|---|---|
| Online shopping | Rs 15,000 | 12,000 |
| Dining & food delivery | Rs 4,000 | 3,200 |
| Travel (cab, train, etc.) | Rs 5,000 | 4,000 |
| Utility bills | Rs 3,000 | 240 |
| International spends | Rs 5,000 | 4,000 |
| Other spends | Rs 8,000 | 3,200 |
| Rent | Rs 5,000 | 1,200 |
| Insurance | Rs 2,000 | 160 |
| Education | Rs 3,000 | 720 |
| Tax / Government payments | Rs 2,000 | 480 |
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 Dining, Travel, Online, International, Birthday, And Incremental Spends Above Rs 20,000
10 Reward Points per Rs 150 spent
Best for airport lounge access
24 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1% forex markup keeps overseas and forex transactions cheaper.
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 |
|---|---|
| Dining, Travel, Online, International, Birthday, and incremental spends above Rs 20,000 | 10 Reward Points per Rs 150 spent |
| Other retail spends up to Rs 20,000 | 5 Reward Points per Rs 150 spent |
| Rent, education, wallet load, and government spends | 3 Reward Points per Rs 150 spent |
| Utility, insurance, FASTag, and railway spends | 1 Reward Point per Rs 150 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic airport lounge visits per quarter, subject to a minimum spend of Rs 20,000 in the previous calendar month.
- 2 complimentary international airport lounge visits per quarter, subject to a minimum spend of Rs 20,000 in the previous calendar month.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- EMI transactions
- Cash withdrawal / cash advance transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Premium metal credit card
- Welcome benefit of up to 7,500 Reward Points (2,500 points upon fee payment and 2,500 each for spending Rs 20,000 in the 2nd and 3rd cycles)
- 4 complimentary railway lounge visits per quarter
- Complimentary golf privileges (up to 40 rounds/lessons per year)
- Buy 1 Get 1 free movie ticket offer up to Rs 400 twice a month via BookMyShow
- 1% fuel surcharge waiver up to Rs 200 per statement cycle at HPCL stations
- Reward points are valid for 24 months
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 65 years
- Minimum annual income of Rs 1,200,000 (Rs 12 Lakh)
Self-employed
- Age: 21 to 65 years
- Minimum annual income of Rs 1,200,000 (Rs 12 Lakh)
Compare before you decide
Alternatives based on what you might want instead.
IDFC FIRST Mayura Credit Card
Best for metal card, zero forex, lounge.
IndusInd Bank Tiger Credit Card
Best for travel, lounge, golf.
ICICI Bank Emeralde Private Metal Credit Card
Best for luxury, travel, lounge.