SimplifyCards take:A good fit if you want a card built for travel, air miles, and hotel points
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Best for Travel SpendsBest for
2 Travel Credits / ₹200 spent
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for travel, air miles, and hotel pointsBottom line
It combines complimentary airport lounge access, accelerated rewards on travel spends, and milestone rewards
Estimate your Travel Credits
Adjust your monthly spend to see the card's estimated annual value
How the card works
Travel Credits rates
| Category | Rate |
|---|---|
| Travel Spends | 2 Travel Credits / ₹200 spent |
| Other Eligible Spends | 1 Travel Credit / ₹200 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
Travel portal bookingupto ₹ 0.5 per point
Airmile transferupto 1 airmile per point
| Airline | Programme | Ratio | TAT |
|---|---|---|---|
| Air Arabia | AA Rewards | 2:1 | 21 days |
| AirAsia | AirAsia Rewards | 1:1 | 21 days |
| Air Canada | Aeroplan | 1:1 | 21 days |
| Air France-KLM | Flying Blue | 1:1 | 21 days |
| Air India | Flying Returns | 1:1 | 21 days |
| British Airways | The British Airways Club | 1:1 | 21 days |
| Cathay Pacific | Cathay | 1:1 | 21 days |
| Etihad Airways | Etihad Guest | 1:1 | 21 days |
| Emirates | Emirates Skywards | 2:1 | 21 days |
| Ethiopian Airlines | ShebaMiles | 2:1 | 21 days |
| Japan Airlines | JAL Mileage Bank | 2:1 | 21 days |
| Saudia | AlFursan | 2:1 | 21 days |
| SpiceJet | SpiceClub | 1:1 | 21 days |
| Thai Airways | Royal Orchid Plus | 1:1 | 21 days |
| Turkish Airlines | Miles&Smiles | 2:1 | 21 days |
| United Airlines | MileagePlus | 2:1 | 21 days |
| Qantas Airways | Qantas Frequent Flyer | 1:1 | 21 days |
| Vietnam Airlines | Lotusmiles | 1:1 | 21 days |
| Hotel group | Programme | Ratio | TAT |
|---|---|---|---|
| Accor | Accor - ALL | 2:1 | 21 days |
| IHG Hotels & Resorts | IHG One Rewards | 1:1 | 21 days |
| ITC Hotels | Club ITC | 2:1 | 21 days |
| Jumeirah Hotels & Resorts | Jumeirah One | 2:1 | 21 days |
| Orchid Hotels | Orchid Rewards | 1:1 | 21 days |
| Wyndham Hotels & Resorts | Wyndham Rewards | 1:1 | 21 days |
| Shangri-La Group | Shangri-La Circle | 6:1 | 21 days |
| Radisson Hotel Group | Radisson Rewards | 1:1 | 21 days |
Important conditions
1
Domestic lounge4 visits per year
- 4 complimentary domestic airport lounge visits per calendar year (limited to 1 visit per quarter)
- 1 additional domestic lounge visit on every ₹1 lakh spend, up to 8 additional visits per year
2
Milestone5,000 bonus Travel Credits on annual spends of ₹5 lakh
3
Fee waiverRenewal fee waived on annual spends of ₹ 6 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 1,500 Travel Credits on spends of ₹30,000 within 60 days of card issuance, credited on payment of joining fee
Additional benefits
- Air accident cover up to ₹50 lakh
- Lost card liability cover up to ₹1 lakh
- 1% fuel surcharge waiver up to ₹250 per month on eligible fuel spends from ₹500 to ₹4,000
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
Exclusions
Spending that does not earn travel credits
- fuel
- wallet loading
- rent
- education
- cash withdrawal
- cash advance
- fees and charges
- emi
- disputed transactions
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