SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for secured card, lifetime free, and forex.
Why it can work
It combines a low 0% forex markup, accelerated rewards on online, offline, and international spends, and no annual fee.
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.
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 | 3,600 |
| Travel (cab, train, etc.) | Rs 5,000 | 300 |
| Utility bills | Rs 3,000 | 180 |
| International spends | Rs 5,000 | 1,200 |
| Other spends | Rs 8,000 | 1,920 |
| Insurance | Rs 2,000 | 120 |
| Tax / Government payments | 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 Online, Offline, And International Spends
4 Reward Points per INR 200 spent
Best for international spends
A low 0% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns reward points you can put toward flights, hotels, or transfer partners.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
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 |
|---|---|
| Online, offline, and international spends | 4 Reward Points per INR 200 spent |
| Utility, insurance, government, 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 fixed deposit backed credit card
- 0% forex markup on all international spends
- No credit history or income proof required
- Reward points are valid for 24 months
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 75 years
- Minimum Fixed Deposit of Rs 20,000
Self-employed
- Age: 18 to 75 years
- Minimum Fixed Deposit of Rs 20,000
Compare before you decide
Alternatives based on what you might want instead.
IndianOil Easy Axis Bank Credit Card
Best for fuel, indianoil, secured card.
Scapia Federal Credit Card
Best for travel, zero forex, lounge.
BOBCARD Scapia Credit Card
Best for travel, zero forex, lounge.