SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for luxury, travel, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 1.8% forex markup, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 10 lakh of annual spend. 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 |
|---|---|---|
| Utility bills | Rs 3,000 | 176 |
| Other spends | Rs 8,000 | 1,008 |
| Rent | Rs 5,000 | 294 |
| Insurance | Rs 2,000 | 118 |
| Education | Rs 3,000 | 176 |
| Tax / Government payments | Rs 2,000 | 118 |
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 airport lounge access
16 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1.8% 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.
Avoid if your spend is low
The Rs 10,000 fee waives only at Rs 10 lakh/year, and some benefits can be spend-gated.
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 | 1.5 reward points per Rs 100 |
| Utility, insurance, government, education, real estate, and rent spends | 0.7 reward points per Rs 100 |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 2 complimentary domestic lounge visits per calendar quarter (effective July 2026 quarter onwards, requires minimum spend of Rs 5,00,000 in the previous quarter to unlock access)
- 2 complimentary international lounge visits per calendar quarter via LoungeKey
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
- Premium wellness, luxury travel, and concierge-style positioning
- Exclusive access to the curated Crest lifestyle and travel benefits
- 1% fuel surcharge waiver at all fuel stations in India
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 65 years
- Minimum net monthly salary of Rs 2,50,000 or Priority/Pioneer Banking relationship
Self-employed
- Age: 21 to 65 years
- Minimum annual income/ITR of Rs 30 Lakhs or Priority/Pioneer Banking relationship
Compare before you decide
Alternatives based on what you might want instead.
IndusInd Bank Indulge Credit Card
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ICICI Bank Emeralde Private Metal Credit Card
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