SimplifyCards take:A good fit if you want a card built for lifetime free, shopping, and railway lounge
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Best for Dining, Travel, International, Birthday, And Incremental Spends Above ₹20,000Best for
10 Reward Points per INR 200 spent
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for lifetime free, shopping, and railway loungeBottom line
It combines accelerated rewards on dining, travel, international, birthday, and incremental spends above ₹20,000 and no annual fee
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 |
|---|---|
| Other Retail Spends Up To ₹20,000 | 3 Reward Points per INR 200 spent |
| Dining, Travel, International, Birthday, And Incremental Spends Above ₹20,000 | 10 Reward Points per INR 200 spent |
| Utility, Insurance, FASTag, And Railway Transactions | 1 Reward Point per INR 200 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Lifetime free credit card with zero joining and annual fees
- 4 complimentary railway lounge visits per quarter
- 25% off on movie tickets up to ₹100 per month via District app
- 1% fuel surcharge waiver up to ₹200 per statement cycle
- Reward points are valid for 24 months
Eligibility
Check this before you apply
Salaried
- Age: 21 to 60 years
- Minimum net monthly salary of ₹25,000
Self-employed
- Age: 21 to 60 years
- Minimum annual ITR of ₹3,00,000
Exclusions
Spending that does not earn reward points
- Fuel transactions
- EMI transactions
- Cash withdrawal / cash advance transactions
Compare before you decide
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