SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for priority banking, travel, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and milestone rewards.
Where value may drop
Fuel don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many 360° Rewards points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | 360° Rewards Points/yr |
|---|---|---|
| Groceries | Rs 5,000 | 1,200 |
| Utility bills | Rs 3,000 | 720 |
| Other spends | Rs 8,000 | 3,200 |
| Insurance | Rs 2,000 | 480 |
| Education | Rs 3,000 | 720 |
| Tax / Government payments | Rs 2,000 | 480 |
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 airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns 360° Rewards points you can put toward flights, hotels, or transfer partners.
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 |
|---|---|
| Other retail spends | 5 reward points / Rs 150 spent |
| Utility, insurance, grocery, school, property management and government spends | 3 reward points / Rs 150 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Unlimited complimentary domestic and international airport lounge access
- 4 complimentary guest lounge visits per year
- Unlimited domestic and international lounge access is provided for the cardholder, plus 4 complimentary guest visits per year.
- Unlimited complimentary domestic and international airport lounge access
- 4 complimentary guest lounge visits per year
- Unlimited domestic and international lounge access is provided for the cardholder, plus 4 complimentary guest visits per year.
Exclusions
Categories that earn no rewards on this card.
- Cash withdrawal / cash advance transactions
- Fees and charges (including annual fee and finance charges)
- Fuel transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Complimentary for Standard Chartered Priority or Private Banking relationship clients
- Unlimited complimentary domestic and international airport lounge access
- 4 complimentary guest lounge visits per year
- 2 complimentary golf games or lessons every month
- 15% cashback on duty-free stores
- Buy One Get One free movie ticket offer on BookMyShow (up to Rs 1,000 off per month)
- 25% off on EazyDiner premium dining offers
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 70 years
- Priority or Private Banking relationship with FUM qualification of INR 50 lakhs and above
Self-employed
- Age: 18 to 70 years
- Priority or Private Banking relationship with FUM qualification of INR 50 lakhs and above
Compare before you decide
Alternatives based on what you might want instead.
RBL Bank Icon Credit Card
Best for dining, travel, lounge.
HDFC Bank Diners Club Black Metal Edition Credit Card
Best for premium travel, lounge, smartbuy.
YES First Preferred Credit Card
Best for travel, dining, lounge.