SimplifyCards take:A good fit if you want a card built for UPI, lifetime free, and entry level
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Best for UPIBest for
2 reward points per ₹100
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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 UPI, lifetime free, and entry levelBottom line
It combines accelerated rewards on UPI and no annual fee
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate |
|---|---|
| UPI | 2 reward points per ₹100 |
| Utility, Insurance, Government, And Rent Spends | 0.7 reward points per ₹100 |
| Base | 1 reward point per ₹100 |
Redemption
Statement balanceupto ₹ 0.35 per point
Airmile transferupto 0.5 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Travel insurance cover (worth ₹2,25,000) including lost baggage cover (up to ₹1,00,000) and passport loss cover (up to ₹50,000)
- 1% fuel surcharge waiver at all fuel stations in India
Additional details
- Cash redemption is capped at 2,500 reward points per calendar month
- 1 Reward Point = ₹0.35 when redeemed against statement cash credit
Eligibility
Check this before you apply
Salaried
- Eligibility is subject to IndusInd Bank approval criteria
Self-employed
- Eligibility is subject to IndusInd Bank approval criteria
Exclusions
Spending that does not earn reward points
- fuel
- cash advances
Compare before you decide
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