SimplifyCards take:A good fit if you want a card built for utility bills, grocery, and dining
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Best for Utility Standing InstructionsBest for
20 Reward Points / ₹100
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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 utility bills, grocery, and diningBottom line
It combines complimentary airport lounge access, accelerated rewards on utility standing instructions, and milestone rewards
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Utility Standing Instructions | 20 Reward Points / ₹100 | 3,000 Reward Points |
| Grocery And Departmental Stores | 10 Reward Points / ₹100 | 7,500 Reward Points |
| Dining | 10 Reward Points / ₹100 | 7,500 Reward Points |
| Movies | 10 Reward Points / ₹100 | 7,500 Reward Points |
| Other Retail Spends | 2 Reward Points / ₹100 | - |
Redemption
Statement balanceupto ₹ 0.25 per point
Important conditions
1
Domestic lounge8 visits per year
2
International lounge4 visits per year
3
MilestonePizza Hut e-Gift Voucher worth ₹1,000 on quarterly spends of ₹50,000
4
MilestoneE-Gift Voucher worth ₹7,000 from Yatra.com or Pantaloons on annual spends of ₹5 lakh
5
Fee waiverRenewal fee waived on annual spends of ₹ 3 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Welcome e-Gift Voucher worth ₹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 ₹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 ₹500 to ₹4,000, capped at ₹250 per statement cycle
Exclusions
Spending that does not earn reward points
- fuel
- cash withdrawal
- balance transfer
- wallet loading
- government transactions
- online gaming transactions
Compare before you decide
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