SimplifyCards take:A good fit if you want a card built for secured card, UPI, and credit builder, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
1% cashback on UPI spends via idfc first bank mobile app, auto-credited with no points to manage
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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 secured card, UPI, and credit builder, and you want your rewards as simple, no-tracking cashbackBottom line
It offers accelerated rewards on UPI spends via idfc first bank mobile app
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap |
|---|---|---|
| UPI Spends Via IDFC FIRST Bank Mobile App | 1% cashback | 500 Cashback |
| Other Spends (including Offline, Online, Utility, Insurance, Fuel, And Third-Party UPI) | 0.5% cashback | 500 Cashback |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
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Fee waiverRenewal fee waived on annual spends of ₹ 1 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Fixed deposit backed virtual RuPay credit card (minimum FD ₹5,000)
- No income proof or credit score documentation required
- 1% cashback on UPI spends made via IDFC FIRST Bank Mobile App
- 0.5% cashback on other UPI spends, online spends, utility, insurance, and fuel spends
- Cashback is automatically credited to the card account in the next cycle (capped at ₹500 per cycle)
- Complimentary Roadside Assistance (RSA) worth ₹1,399
- Personal accident cover of ₹2,00,000 and lost card liability of ₹25,000
Eligibility
Check this before you apply
Salaried
- Age: 18 to 80 years
- Fixed Deposit backed card; minimum FD amount of ₹5,000
Self-employed
- Age: 18 to 80 years
- Fixed Deposit backed card; minimum FD amount of ₹5,000
Exclusions
Spending that does not earn cashback
- EMI transactions
- Cash withdrawal / cash advance transactions
Compare before you decide
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