SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for dining, grocery, and movies.
Why it can work
It combines complimentary airport lounge access, a low 1.99% forex markup, and accelerated rewards on grocery, dining, movies, and departmental stores.
Where value may drop
The renewal fee is waived only on Rs 10 lakh of annual spend. Fuel don't earn rewards.
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 |
| Groceries | 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 Grocery, Dining, Movies, And Departmental Stores
10 Reward Points / Rs 100
Best for airport lounge access
14 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1.99% forex markup keeps overseas and forex transactions cheaper.
Avoid if your spend is low
The Rs 4,999 fee waives only at Rs 10 lakh/year, and some benefits can be spend-gated.
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 |
|---|---|
| Grocery, dining, movies, and departmental stores | 10 Reward Points / Rs 100 |
| Other eligible spends | 2 Reward Points / Rs 100 |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 8 complimentary domestic lounge visits per year, capped at 2 visits per quarter.
- Complimentary Priority Pass membership is provided with 6 complimentary international lounge visits per calendar year, capped at 2 visits per quarter.
- Post the complimentary visits, lounge usage is charged at the programme's prevailing rate.
Exclusions
Categories that earn no rewards on this card.
- fuel
- balance transfers
- cash advances
- fees and charges
- disputed transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Welcome e-Gift Voucher worth Rs 5,000 from select brands such as Yatra, Bata/Hush Puppies, Marks & Spencer, Westside, and Shoppers Stop
Additional benefits
- Free movie tickets worth up to Rs 6,000 per year through BookMyShow
- 1% fuel surcharge waiver on eligible fuel transactions, capped at Rs 250 per statement cycle
Compare before you decide
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