SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for supermarkets and shopping, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines accelerated rewards on supermarket & departmental store spends (min transaction rs 1,000) and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1.2 lakh of annual spend. Monthly reward caps apply on the top categories. 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 cashback and reward 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 | Cashback And Reward Points/yr |
|---|---|---|
| Groceries | Rs 5,000 | 3,000 |
| 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 simple cashback
5% cashback (up to Rs 150/txn) on supermarket & departmental store spends (min transaction rs 1,000), 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.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Supermarket & Departmental store spends (min transaction Rs 1,000) | 5% cashback (up to Rs 150/txn) | 500 cashback and reward points |
| Other retail spends | 3 reward points / Rs 150 spent | - |
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.
- 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
- 1% fuel surcharge waiver at authorized pumps
Eligibility
Check this before you apply.
Salaried
- Eligibility is subject to Standard Chartered approval criteria
Self-employed
- Eligibility is subject to Standard Chartered approval criteria
Compare before you decide
Alternatives based on what you might want instead.