SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, hotel, and flight.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on standalone hotel and airline spends, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 50,000 of annual spend. 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 360° Rewards points and instant discounts 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 And Instant Discounts/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 6,000 |
| 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 Standalone Hotel And Airline Spends
10 reward points / Rs 100 spent
Best for airport lounge access
6 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns 360° Rewards points and instant discounts you can put toward flights, hotels, or transfer partners.
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 |
|---|---|
| Standalone hotel and airline spends | 10 reward points / Rs 100 spent |
| Other retail spends | 2 reward points / Rs 100 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 1 complimentary domestic lounge visit per calendar quarter
- 2 complimentary international lounge visits per calendar year
Exclusions
Categories that earn no rewards on this card.
- Cash withdrawal / cash advance transactions
- Fees and charges (including annual fee and finance charges)
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 20% instant discount on hotels and 10% off on flights on EaseMyTrip using promo code EMTSCB
- Flat Rs 125 off on bus bookings (min transaction Rs 500) on EaseMyTrip
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 65 years
Self-employed
- Age: 18 to 67 years
Compare before you decide
Alternatives based on what you might want instead.
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Standard Chartered Priority Visa Infinite Credit Card
Best for priority banking, travel, lounge.