SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for fuel, dining, and lifetime free.
Why it can work
It offers accelerated rewards on fuel spends.
Where value may drop
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 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 |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 1,600 |
| Fuel | Rs 3,000 | 1,200 |
| Other spends | Rs 8,000 | 640 |
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 Fuel Spends
5 reward points / Rs 150 spent
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 |
|---|---|
| Fuel spends | 5 reward points / Rs 150 spent |
| Dining spends at fine-dining outlets | 5 reward points / Rs 150 spent |
| Other retail spends | 1 reward point / Rs 150 spent |
Redemption
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
- First-year and renewal fee waived on spending Rs 500 or more within the first 30 days of card issuance
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.