SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for retail and lounge.
Why it can work
It combines complimentary airport lounge access and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1.5 lakh of annual spend. Fuel 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 360° Rewards points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
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 |
|---|---|---|
| Other spends | Rs 8,000 | 2,560 |
| Insurance | Rs 2,000 | 160 |
| Tax / Government payments | Rs 2,000 | 160 |
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
4 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Retail spends (up to Rs 20,000 per month) | 4 reward points / Rs 150 spent | - |
| Incremental retail spends above Rs 20,000 per month | 8 reward points / Rs 150 spent | 2,000 360° Rewards points |
| Government and insurance spends | 1 reward point / Rs 150 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
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- 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 complimentary domestic lounge visit per calendar quarter
- First year free (no joining fee)
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 65 years
- Minimum monthly income of Rs 25,000
Self-employed
- Age: 18 to 67 years
- Minimum income of Rs 25,000
Compare before you decide
Alternatives based on what you might want instead.
Axis Bank REWARDS Credit Card
Best for apparel, departmental stores, swiggy.
Standard Chartered Ultimate Credit Card
Best for travel, lounge, golf.
Standard Chartered Priority Visa Infinite Credit Card
Best for priority banking, travel, lounge.