SimplifyCards take:A good fit if you want a card built for metal card, lifestyle, and lounge
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Best for Dining, Travel, Online, International, Birthday, And Incremental Spends Above ₹20,000Best for
10 Reward Points per ₹150 spent
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Avoid if you want pure cashbackWatch out
Simpler cashback cards exist if you'd rather not manage reward points
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Good fit if you want a card built for metal card, lifestyle, and loungeBottom line
It combines complimentary airport lounge access, a low 1% forex markup, and accelerated rewards on dining, travel, online, international, birthday, and incremental spends above ₹20,000
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| Dining, Travel, Online, International, Birthday, And Incremental Spends Above ₹20,000 | 10 Reward Points per ₹150 spent |
| Other Retail Spends Up To ₹20,000 | 5 Reward Points per ₹150 spent |
| Rent, Education, Wallet Load, And Government Spends | 3 Reward Points per ₹150 spent |
| Utility, Insurance, FASTag, And Railway Spends | 1 Reward Point per ₹150 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
Important conditions
1
Domestic lounge16 visits per year
- 4 complimentary domestic airport lounge visits per quarter, subject to a minimum spend of ₹20,000 in the previous calendar month
2
International lounge8 visits per year
- 2 complimentary international airport lounge visits per quarter, subject to a minimum spend of ₹20,000 in the previous calendar month
3
Milestone7,500 Reward Points on annual spending of ₹8 Lakh
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 ₹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 ₹400 twice a month via BookMyShow
- 1% fuel surcharge waiver up to ₹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 ₹1,200,000 (₹12 Lakh)
Self-employed
- Age: 21 to 65 years
- Minimum annual income of ₹1,200,000 (₹12 Lakh)
Exclusions
Spending that does not earn reward points
- Fuel transactions
- EMI transactions
- Cash withdrawal / cash advance transactions
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