SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for lifetime free, shopping, and railway lounge.
Why it can work
It combines accelerated rewards on dining, travel, international, birthday, and incremental spends above rs 20,000 and no annual fee.
Where value may drop
Fuel 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.
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 |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 2,400 |
| Travel (cab, train, etc.) | Rs 5,000 | 3,000 |
| Utility bills | Rs 3,000 | 180 |
| International spends | Rs 5,000 | 3,000 |
| Other spends | Rs 8,000 | 1,440 |
| Insurance | Rs 2,000 | 120 |
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, International, Birthday, And Incremental Spends Above Rs 20,000
10 Reward Points per INR 200 spent
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
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 |
|---|---|
| Other retail spends up to Rs 20,000 | 3 Reward Points per INR 200 spent |
| Dining, Travel, International, Birthday, and incremental spends above Rs 20,000 | 10 Reward Points per INR 200 spent |
| Utility, insurance, FASTag, and railway transactions | 1 Reward Point per INR 200 spent |
Redemption
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
- Lifetime free credit card with zero joining and annual fees
- 4 complimentary railway lounge visits per quarter
- 25% off on movie tickets up to Rs 100 per month via District app
- 1% fuel surcharge waiver up to Rs 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 Rs 25,000
Self-employed
- Age: 21 to 60 years
- Minimum annual ITR of Rs 3,00,000
Compare before you decide
Alternatives based on what you might want instead.
IDFC FIRST Millennia Credit Card
Best for lifetime free, shopping, movies.
IDFC FIRST Select Credit Card
Best for lifetime free, lounge, lifestyle.
Federal Bank Imperio Credit Card
Best for grocery, healthcare, lounge.