SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for lifetime free, metal card, and low forex.
Why it can work
It combines a low 1% forex markup, accelerated rewards on top 2 spend categories of the month (5x multiplier), and no annual fee.
Where value may drop
Fuel, rent, and wallet loads don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many OneRewards 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 | OneRewards/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 18,000 |
| 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 Top 2 Spend Categories Of The Month (5X Multiplier)
5 OneReward Points / Rs 50 spent
Best for international spends
A low 1% forex markup keeps overseas and forex transactions cheaper.
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
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 |
|---|---|
| Top 2 spend categories of the month (5X multiplier) | 5 OneReward Points / Rs 50 spent |
| All other retail spends | 1 OneReward Point / Rs 50 spent |
Redemption
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- Cash advance transactions
- Wallet loading transactions
- Money transfer transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- India's first metal credit card — lifetime free
- No rewards redemption fee; no minimum points threshold for in-app redemption
- 1% fuel surcharge waiver (capped at Rs 400 per month)
Additional details
- 5X rewards are active on your top 2 highest-spend categories in a given month. Effective January 6, 2025, you must make a minimum spend of Rs 750 in each of at least 3 different categories during the calendar month to unlock this 5X benefit.
- Card is issued by partner banks: Federal Bank, SBM Bank, South Indian Bank, BOB Financial (BOBCARD), Indian Bank, and CSB Bank. Network and specific MITC terms may vary by issuing bank.
Eligibility
Check this before you apply.
Salaried
- Minimum age: 18 years
- Subject to issuing partner bank credit approval criteria
Self-employed
- Minimum age: 18 years
- Subject to issuing partner bank credit approval criteria
Compare before you decide
Alternatives based on what you might want instead.