SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for lifetime free, grocery, and travel.
Why it can work
It combines accelerated rewards on grocery spends under home plan 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 savings 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 | Savings Points/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 960 |
| Groceries | Rs 5,000 | 960 |
| Utility bills | Rs 3,000 | 101 |
| Other spends | Rs 8,000 | 192 |
| Rent | Rs 5,000 | 168 |
| Insurance | Rs 2,000 | 67 |
| Education | Rs 3,000 | 101 |
| Tax / Government payments | Rs 2,000 | 67 |
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 Grocery Spends Under Home Plan
4 savings points per Rs 100
Best for travel and redemptions
Earns savings 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 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 |
|---|---|
| Grocery spends under Home plan | 4 savings points per Rs 100 |
| Travel spends under Travel plan | 4 savings points per Rs 100 |
| Utility, insurance, government, education, real estate, and rent spends | 0.7 savings points per Rs 100 spent |
| Base retail spends (weekday) | 0.5 savings points per Rs 100 |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Cash withdrawal / cash advance transactions
- Fees and charges (including annual fee and finance charges)
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Choose from 4 reward plans: Shop, Home, Travel and Party
- Earn up to 8x reward points on select merchant categories
- 1% fuel surcharge waiver
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 65 years
- Minimum net monthly salary of Rs 20,000
Self-employed
- Age: 21 to 65 years
- Minimum annual income/ITR of Rs 2.4 Lakhs
Compare before you decide
Alternatives based on what you might want instead.
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Scapia Federal Credit Card
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