SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for UPI, gen z, and shopping.
Why it can work
It combines accelerated rewards on online spends and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1.5 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many POPcoins 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 | POPcoins/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 18,000 |
| UPI payments | Rs 5,000 | 4,200 |
| Other spends | Rs 8,000 | 6,720 |
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 Online Spends
10 POPcoins / Rs 100 spent
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Online spends | 10 POPcoins / Rs 100 spent | - |
| UPI scans via POP UPI App | 7 POPcoins / Rs 100 spent | 6,000 POPcoins |
| Other UPI and offline retail spends | 2 POPcoins / Rs 100 spent | - |
Redemption
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Blinkit | POP Reward Store | 4:1 |
| Zomato | POP Reward Store | 4:1 |
| Cult | POP Reward Store | 4:1 |
| Cleartrip | POP Reward Store | 4:1 |
| Rapido | POP Reward Store | 4:1 |
| Pharmeasy | POP Reward Store | 4:1 |
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 transactions
- Rental payments
- Wallet loading transactions
- Utility payments
- Insurance premium payments
- Real estate payments
- Government services / tax payments
- Cash withdrawal / cash advance transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Welcome offers worth up to Rs 5,000 including 500 POPcoins and brand vouchers (Blinkit, Cleartrip, Zomato Gold, PharmEasy Plus, Rapido)
Additional benefits
- 1% fuel surcharge waiver on transactions between Rs 1,000 and Rs 3,500 (capped at Rs 300 per month)
Additional details
- Annual fee of Rs 399 is waived if spends exceed Rs 1,50,000 in the preceding anniversary year.
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 60 years
- Minimum net monthly salary of Rs 25,000
Self-employed
- Age: 21 to 60 years
- Minimum annual ITR of Rs 7,50,000
Compare before you decide
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