SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for health, pharmacy, and dining.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on chemist, pharmacy, sports, dining, and movies, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Fuel don't earn rewards. The 3.5% forex markup is high for overseas use.
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 |
|---|---|---|
| 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 Chemist, Pharmacy, Sports, Dining, And Movies
10 Reward Points / Rs 100
Best for airport lounge access
4 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 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 |
|---|---|
| Chemist, pharmacy, sports, dining, and movies | 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.
- 4 domestic lounge visits per year, capped at 1 visit per quarter.
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
- Noise ColorFit Pulse 4 Pro smart watch worth Rs 7,999 on payment of joining fee
- Complimentary 1-year Netmeds First membership subject to joining fee payment and at least one retail transaction
Renewal benefits
- Complimentary 1-year FITPASS PRO membership on card renewal every year
Additional benefits
- Fraud liability cover of Rs 1 lakh
- 1% fuel surcharge waiver on eligible fuel transactions from Rs 500 to Rs 4,000, capped at Rs 250 per statement cycle
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
Alternatives based on what you might want instead.