SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for defence, csd, and grocery.
Why it can work
It offers accelerated rewards on dining and movie spends.
Where value may drop
The renewal fee is waived only on Rs 50,000 of annual spend. Fuel, rent, and wallet loads don't earn rewards. 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 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 | Reward Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 2,400 |
| Groceries | Rs 5,000 | 3,000 |
| 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 Dining And Movie Spends
5 Reward Points / Rs 100 spent
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Dining and movie spends | 5 Reward Points / Rs 100 spent |
| CSD, departmental stores & grocery spends | 5 Reward Points / Rs 100 spent |
| Other eligible retail purchases | 1 Reward Point / Rs 100 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.
- fuel spends
- cash advances
- balance transfers
- wallet loading transactions
- rent payments
- government services spends
- merchant EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 1,000 Reward Points upon payment of joining fee
Additional benefits
- Personal accident insurance cover of Rs 2 lakh, subject to policy terms
- Card can be embossed with service branch such as Army, Navy, Air Force or Paramilitary
- 1% fuel surcharge waiver on eligible fuel transactions from Rs 500 to Rs 3,000, capped at Rs 100 per month
Eligibility
Check this before you apply.
Salaried
- Designed for serving or retired defence and paramilitary personnel
Self-employed
- Designed for serving or retired defence and paramilitary personnel
Compare before you decide
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