SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for titan, jewellery, and watches, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on world of titan, taneira, titan eye+, helios, fastrack, skinn, irth, and sonata, and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 3 lakh 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 cashback and 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 | Cashback And Reward Points/yr |
|---|---|---|
| Other spends | Rs 8,000 | 5,760 |
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
7.5% cashback on world of titan, taneira, titan eye+, helios, fastrack, skinn, irth, and sonata, auto-credited with no points to manage.
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if your spend is low
The Rs 2,999 fee waives only at Rs 3 lakh/year, and some benefits can be spend-gated.
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 |
|---|---|
| World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth, and Sonata | 7.5% cashback |
| Mia, CaratLane, and Zoya | 5% cashback |
| Tanishq | 3% value back as gift vouchers |
| Other eligible spends | 6 Reward Points / Rs 100 |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 8 complimentary domestic airport lounge visits per year, capped at 2 per quarter.
- 4 complimentary international airport lounge visits per year, capped at 2 per quarter, with complimentary Priority Pass membership for the first 2 years.
Exclusions
Categories that earn no rewards on this card.
- fuel
- rent
- government spends
- online gaming transactions
- wallet loading
- merchant EMI
- cash advances
- balance transfers
- fees and charges
- disputed transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 12,000 Reward Points worth Rs 3,000 on payment of annual fee
Additional benefits
- 1% fuel surcharge waiver on eligible fuel transactions
Additional details
- 4 Reward Points equal Re 1 for eligible reward redemption
Eligibility
Check this before you apply.
Salaried
- Age 21 to 60 years
- Stable income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Self-employed
- Age 25 to 60 years
- Stable business income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Compare before you decide
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