SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online shopping and partner merchants.
Why it can work
It combines accelerated rewards on exclusive online partners and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1 lakh of annual spend. Fuel, rent, and government payments 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.
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 | Reward Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 9,000 |
| 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 Exclusive Online Partners
10X Reward Points / Rs 100 spent with exclusive partners
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 government payments
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Exclusive online partners | 10X Reward Points / Rs 100 spent with exclusive partners |
| Other online spends | 5X Reward Points / Rs 100 spent on other online spends |
| Other eligible spends | 1 Reward Point / Rs 100 |
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.
- offline fuel transactions
- rent payments
- cash advances
- balance transfers
- government related transactions
- digital gaming transactions
- Flexipay and merchant EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Amazon e-gift voucher worth Rs 500 on payment of joining fee
Additional benefits
- 1% fuel surcharge waiver on eligible fuel transactions from Rs 500 to Rs 3,000
Compare before you decide
Alternatives based on what you might want instead.
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HDFC Bank Freedom Credit Card
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