SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online and entry level, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines accelerated rewards on online retail spends (excl. fuel) and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1.2 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 cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 3,600 |
| Other spends | Rs 8,000 | 960 |
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
2% cashback on online retail spends (excl. fuel), 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 |
|---|---|---|
| Online retail spends (excl. fuel) | 2% cashback | 1,000 cashback |
| Other eligible retail spends (excl. fuel) | 1% cashback | 500 cashback |
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.
- 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
- 0.99% per month on eligible 3-month EMI with nil processing fee
- Extended interest-free credit period for the first 90 days post-issuance
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 65 years
- Minimum monthly income of Rs 25,000
Self-employed
- Age: 18 to 65 years
- Minimum income of Rs 25,000
Compare before you decide
Alternatives based on what you might want instead.