SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for utility bills, grocery, and dining.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on utility standing instructions, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 3 lakh of annual spend. Fuel, wallet loads, and government payments 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 | 4,800 |
| Groceries | Rs 5,000 | 6,000 |
| Utility bills | Rs 3,000 | 7,200 |
| 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 Utility Standing Instructions
20 Reward Points / Rs 100
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, wallet loads, and government payments
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 |
|---|---|---|
| utility standing instructions | 20 Reward Points / Rs 100 | 3,000 reward points |
| grocery and departmental stores | 10 Reward Points / Rs 100 | 7,500 reward points |
| dining | 10 Reward Points / Rs 100 | 7,500 reward points |
| movies | 10 Reward Points / Rs 100 | 7,500 reward points |
| other retail spends | 2 Reward Points / Rs 100 | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- fuel
- cash withdrawal
- balance transfer
- wallet loading
- government transactions
- online gaming transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Welcome e-Gift Voucher worth Rs 3,000 from select brands (including Yatra, Shoppers Stop, Marks & Spencer, Bata, and Hush Puppies)
Renewal benefits
- If not waived, 12,000 bonus Reward Points are credited upon payment of the renewal fee
Additional benefits
- Complimentary Club Vistara Silver membership (1 complimentary upgrade voucher + 9 CV points per Rs 100 spent on flights)
- Complimentary Trident Privilege Red Tier membership (1,000 welcome points + 1,500 bonus points on first stay)
- 1% fuel surcharge waiver on transactions from Rs 500 to Rs 4,000, capped at Rs 250 per statement cycle
Compare before you decide
Alternatives based on what you might want instead.