SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for reliance, shopping, and jiomart.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on ajio and jiomart online spends, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 3 lakh of annual spend. Fuel, rent, 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 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 | 2,400 |
| Travel (cab, train, etc.) | Rs 5,000 | 3,000 |
| International spends | Rs 5,000 | 3,000 |
| 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 AJIO And JioMart Online Spends
20 Reward Points / Rs 100 spent
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 your spend is low
The Rs 2,999 fee waives only at Rs 3 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| AJIO and JioMart online spends | 20 Reward Points / Rs 100 spent | - |
| Other participating Reliance Retail stores spends | 10 Reward Points / Rs 100 spent | - |
| Dining, movies, entertainment, domestic airlines & international spends | 5 Reward Points / Rs 100 spent | 7,500 reward points |
| Other eligible retail purchases | 2 Reward Points / Rs 100 spent | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter
- 4 complimentary international airport lounge visits per year through Priority Pass membership, capped at 2 visits per quarter
Exclusions
Categories that earn no rewards on this card.
- fuel spends
- cash advances
- balance transfers
- wallet loading transactions
- rent payments
- digital gaming transactions
- government services spends
- merchant EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Reliance Retail Voucher worth Rs 3,000
Additional benefits
- Additional Reliance discount vouchers worth up to Rs 11,999 at participating Reliance Retail stores
- One monthly BookMyShow movie ticket benefit worth up to Rs 250
- 1% fuel surcharge waiver on eligible fuel transactions between Rs 500 and Rs 4,000, capped at Rs 250 per month
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 60 years
- Stable monthly income
Self-employed
- Age: 21 to 60 years
- Stable annual income
Compare before you decide
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