SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, air miles, and hotel points.
Why it can work
It combines complimentary airport lounge access, a low 1.99% forex markup, and accelerated rewards on travel spends.
Where value may drop
The renewal fee is waived only on Rs 15 lakh of annual spend. Fuel, rent, and utilities don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many Travel Credits 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 | Travel Credits/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 1,800 |
| Other spends | Rs 8,000 | 960 |
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 Travel Spends
6 Travel Credits / Rs 200 spent
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.
Best for travel and redemptions
Earns Travel Credits you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 4,999 fee waives only at Rs 15 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel, rent, and utilities
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Travel spends | 6 Travel Credits / Rs 200 spent |
| Other eligible spends | 2 Travel Credits / Rs 200 spent |
Redemption
| 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 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 8 complimentary domestic airport lounge visits every year, capped at 2 visits per quarter.
- 1 additional domestic airport lounge visit is unlocked on every Rs 1 lakh spend, capped at 15 additional visits per year, taking the total annual domestic lounge access up to 23 visits.
- Complimentary Priority Pass membership worth $99 is provided for the first 2 years.
- 6 complimentary international airport lounge visits every year, capped at 2 visits per quarter.
Exclusions
Categories that earn no rewards on this card.
- fuel
- utilities
- insurance
- rent
- wallet loading
- school and education services
- cash withdrawal
- cash advances
- merchant EMI and Flexipay transactions
- fees and charges
- quasi cash
- emi
- disputed transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 5,000 Travel Credits on spends of Rs 1 lakh within 60 days of card issuance, credited on payment of joining fee
Additional benefits
- Flight cancellation cover up to 6 times per year at Rs 3,500 each
- Air accident cover up to Rs 1 crore
- Lost card liability cover up to Rs 1 lakh
- Loss of travel documents cover up to Rs 12,500
- Loss of checked-in baggage cover up to Rs 72,000
- Delay of checked-in baggage cover of Rs 7,500
- 1% fuel surcharge waiver up to Rs 500 per month on eligible fuel spends from Rs 500 to Rs 4,000
Additional details
- 1 Travel Credit = Re 1 for air mile or hotel point conversion
- 1 Travel Credit = Rs 0.50 for travel bookings
- 1 Travel Credit = Rs 0.25 for Shop & Smile product catalogue
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
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