SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online food, grocery, and entertainment, and you want your rewards as simple, no-tracking cashback.
Why it can work
It offers accelerated rewards on online grocery and food delivery.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Rent, insurance, and wallet loads don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 9,000 |
| Fuel | Rs 3,000 | 1,080 |
| Groceries | Rs 5,000 | 3,000 |
| UPI payments | Rs 5,000 | 300 |
| Other spends | Rs 8,000 | 480 |
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 simple cashback
5% cashback on online grocery and food delivery, auto-credited with no points to manage.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on rent, insurance, and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Online grocery and food delivery | 5% cashback | 750 cashback |
| Online movies and OTT entertainment | 5% cashback | 750 cashback |
| Fuel spends | 3% cashback | 750 cashback |
| UPI and other eligible retail spends | 0.5% cashback | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- Rent payments
- B2B transactions
- Utility bills
- Insurance premiums
- Education spends
- Government services spends
- E-wallet loading transactions
- Online skill-based gaming transactions
- EMI transactions
- Cash advance / withdrawals
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- PVR INOX Buy 1 Get 1 Free movie ticket offer (up to ₹250 discount per card per month)
- BookMyShow: 20% off up to ₹150 on minimum spends of ₹299 per month
- 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (max ₹3,500 per anniversary year)
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 65 years
- Resident of India
Self-employed
- Age: 18 to 65 years
- Resident of India
Compare before you decide
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