SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, lounge, and golf.
Why it can work
It combines complimentary airport lounge access, a low 1.8% forex markup, and milestone rewards.
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 |
|---|---|---|
| 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
40 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 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.
- 6 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)
- 4 complimentary international lounge visits per calendar quarter via Priority Pass
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
- Exclusive 22K gold inlay card design
- Complimentary golf programme with games and lessons monthly
- Buy 1 Get 1 free movie tickets on BookMyShow and discounts on theatre/events
- Complimentary EazyDiner Prime membership and luxury dining privileges
- 24x7 concierge services and Auto Assist roadside emergency services
- 1% fuel surcharge waiver
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
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