SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, lounge, and golf.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and milestone rewards.
Where value may drop
Fuel don't earn rewards.
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 |
|---|---|---|
| Groceries | Rs 5,000 | 1,200 |
| Utility bills | Rs 3,000 | 720 |
| Other spends | Rs 8,000 | 3,200 |
| Rent | Rs 5,000 | 1,200 |
| Insurance | Rs 2,000 | 480 |
| Education | Rs 3,000 | 720 |
| Tax / Government payments | Rs 2,000 | 480 |
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
28 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns 360° Rewards points you can put toward flights, hotels, or transfer partners.
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 |
|---|---|
| General retail spends (excl. fuel and capped categories) | 5 reward points / Rs 150 spent |
| Utility, supermarket, insurance, rent, school fees, and government spends | 3 reward points / Rs 150 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic lounge visits per calendar quarter
- 1 complimentary international lounge visit per month via Priority Pass, subject to a minimum spend of Rs 20,000 in the previous calendar month.
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
- 5% cashback on duty-free spends (maximum Rs 1,000 cashback per month)
- 1 complimentary golf game and 1 complimentary coaching session per month
- Complimentary Priority Pass membership
- Reduced foreign currency markup of 2.0%
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 65 years
- Minimum monthly income of Rs 2,50,000 or self-declared high relationship value
Self-employed
- Age: 21 to 65 years
- Minimum income or high relationship value
Compare before you decide
Alternatives based on what you might want instead.
Standard Chartered Beyond Credit Card
Best for priority banking, travel, lounge.
IndusInd Bank Tiger Credit Card
Best for travel, lounge, golf.
ICICI Bank Emeralde Private Metal Credit Card
Best for luxury, travel, lounge.