SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for fuel, utility bills, and telephone bills, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines accelerated rewards on fuel spends (max transaction rs 2,000) and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 90,000 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 |
|---|---|---|
| Fuelexcluded | Rs 3,000 | — |
| Utility bills | Rs 3,000 | 1,800 |
| Other spends | Rs 8,000 | 640 |
Categories marked excluded earn no rewards on this card.
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 on fuel spends (max transaction rs 2,000), 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 |
|---|---|---|
| Fuel spends (max transaction Rs 2,000) | 5% cashback | 200 cashback and reward points |
| Telephone & mobile bills (min transaction Rs 750 via BillPay) | 5% cashback | 200 cashback and reward points |
| Other utility bills (min transaction Rs 750 via BillPay) | 5% cashback | 100 cashback and reward points |
| Other retail spends | 1 reward point / 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)
- Fuel transactions above Rs 2,000
- Utility/Telecom transactions below Rs 750 or made outside SC BillPay
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 65 years
- Minimum monthly income of Rs 55,000
Self-employed
- Age: 21 to 65 years
- Minimum annual income equivalent to Rs 55,000/month or subject to bank criteria
Compare before you decide
Alternatives based on what you might want instead.
Standard Chartered Platinum Rewards Credit Card
Best for fuel, dining, lifetime free.
ICICI Bank HPCL Super Saver Credit Card
Best for fuel, hpcl, utility bills.
Kotak Cashback+ Credit Card
Best for cashback, online food, grocery.