SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for UPI, lifetime free, and entry level.
Why it can work
It combines accelerated rewards on UPI 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 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 | 252 |
| UPI payments | Rs 5,000 | 420 |
| Other spends | Rs 8,000 | 672 |
| Rent | Rs 5,000 | 147 |
| Insurance | Rs 2,000 | 59 |
| Tax / Government payments | Rs 2,000 | 59 |
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 UPI
2 reward points per Rs 100
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 |
|---|---|
| upi | 2 reward points per Rs 100 |
| Utility, insurance, government, and rent spends | 0.7 reward points per Rs 100 |
| base | 1 reward point per Rs 100 |
Redemption
| Airline | Programme | Ratio |
|---|---|---|
| Singapore Airlines | KrisFlyer | 2:1 |
Exclusions
Categories that earn no rewards on this card.
- fuel
- cash advances
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Travel insurance cover (worth Rs 2,25,000) including lost baggage cover (up to Rs 1,00,000) and passport loss cover (up to Rs 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 = Rs 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
Compare before you decide
Alternatives based on what you might want instead.
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Kotak UPI RuPay Credit Card
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