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The number of points you are eligible to earn depends on i) Amount spent ii) Multiplier (based on brands spent on in earlier cycle) and iii) Conversion factor (₹150 spend = 1 point). To actually earn the points, you need to repay the entire bill due amount before the due date. If you forget to repay & miss the due date, you lose all eligible points in that cycle.

Scenarios	Scenario 1	Scenario 2	Scenario 3	Scenario 4
Amount Spent (eg: 1-15th May)	₹15,000	₹15,000	₹15,000	₹15,000
Brands transacted in earlier cycle (eg: 16-30th Apr)	1	2	4	4
Multiplier Brands=1; Multiplier=1x Brands=2; Multiplier=3x Brands≥3; Multiplier=5x	1x	3x	5x	5x
Points eligible to earn	= (15,000 x 1) ÷ 150 = 100	= (15,000 x 3) ÷ 150 = 300	= (15,000 x 5) ÷ 150 = 500	= (15,000 x 5) ÷ 150 = 500
Repayment before due date	Yes	Yes	Yes	No
Points actually earned	100	300	500	0

NOTE: Simpl reserves the right to change any and all of the Rewards computation factors such as Conversion factor, Multiplier, Min spend criteria, ways to redeem etc, without taking prior permission from its users.