SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for shopping, lifestyle, and dining.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on online and retail landmark stores, and milestone rewards.
Where value may drop
Fuel, rent, and wallet loads 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.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
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 |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 4,800 |
| Travel (cab, train, etc.) | Rs 5,000 | 6,000 |
| Other spends | Rs 8,000 | 1,920 |
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 Online And Retail Landmark Stores
25 Reward Points / Rs 100
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, 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 |
|---|---|
| Online and retail Landmark stores | 25 Reward Points / Rs 100 |
| dining, movies, and international spends | 10 Reward Points / Rs 100 |
| other retail purchases | 2 Reward Points / Rs 100 |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Priority Pass standard membership is complimentary; post the 4 complimentary international lounge visits per year, visit charges apply at the programme's prevailing rate.
Exclusions
Categories that earn no rewards on this card.
- fuel
- rent
- cash withdrawal
- balance transfer
- wallet loading
- government transactions
- online gaming transactions
- merchant EMI
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 12,000 bonus Reward Points worth Rs 3,000 on payment of annual fee
Renewal benefits
- 12,000 Reward Points worth Rs 3,000 on payment of renewal fee
Additional benefits
- Reward Points can be redeemed instantly at Lifestyle, Home Centre, Spar, Max, Baby Shop, and EasyBuy stores
- 1% fuel surcharge waiver on eligible fuel spends from Rs 500 to Rs 3,000, capped at Rs 100 per month
Eligibility
Check this before you apply.
Salaried
- Age 21 to 60 years
- Stable income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Self-employed
- Age 25 to 60 years
- Stable business income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Compare before you decide
Alternatives based on what you might want instead.
ICICI Bank Rubyx Credit Card
Best for lifestyle, movies, lounge.
HDFC Bank Diners Club Privilege Credit Card
Best for dining, movies, smartbuy.
Landmark Rewards SBI Card
Best for shopping, lifestyle, department stores.