SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for secured card, UPI, and online spends, and you want your rewards as simple, no-tracking cashback.
Why it can work
It offers accelerated rewards on online spends.
Where value may drop
The renewal fee is waived only on Rs 50,000 of annual spend. Fuel, rent, and wallet loads 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 cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 2,700 |
| UPI payments | Rs 5,000 | 600 |
| 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 simple cashback
1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000) on online spends, auto-credited with no points to manage.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Online spends | 1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000) | 3,000 cashback |
| Offline retail spends | 1% cashback on offline spends | 3,000 cashback |
| UPI spends | 1% cashback on eligible UPI transactions of ₹2,000 and above | 3,000 cashback |
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 spends
- EMI transactions
- Wallet loading transactions
- ATM withdrawals and cash advances
- Purchase of gold or jewellery
- Rent payments
- Utility bill payments
- Educational institution payments
- Government spends
- Gambling, games, and lottery transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Earn FD interest rate up to 7% per annum on the linked fixed deposit
- 100% guaranteed approval with no credit score or income proof required
- Build or improve your credit history by making timely card payments
Additional details
- Cashback is credited as Cash Points where 1 Cash Point = Rs 1
- Minimum transaction value of Rs 2,000 is required for UPI spends to earn cashback
- A combined daily cap of 500 Cash Points and monthly cap of 3,000 Cash Points applies on cashback accrual
- Minimum redemption threshold of 500 Cash Points applies
- Accumulated Cash Points expire 1 year from the date of earning
- Late Payment Charges: Nil for due < Rs 100, Rs 100 for due Rs 100-500, Rs 500 for due Rs 501-5,000, Rs 600 for due Rs 5,001-10,000, Rs 750 for due Rs 10,001-25,000, Rs 950 for due Rs 25,001-50,000, Rs 1,000 for due > Rs 50,000
Eligibility
Check this before you apply.
Salaried
- Age: 18 years and above
- Minimum Fixed Deposit: Rs 2,000
Self-employed
- Age: 18 years and above
- Minimum Fixed Deposit: Rs 2,000
Compare before you decide
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