What Is Jupiter Credit Card? Features, Benefits & Eligibility Explained

By / / Daily News
Discover Jupiter Credit Card's 2% cashback, lifetime free benefits, and UPI integration. Learn about features, eligibility, and how to apply.

The Jupiter Credit Card is a digital-first, smart credit card designed for the modern Indian consumer. Issued in partnership with CSB Bank and Federal Bank, it combines the flexibility of digital9 payments with rewarding features such as UPI integration, cashback on spends, and zero annual fees. With its sleek design and no-cost ownership, this card has quickly become popular among tech-savvy users and first-time credit card applicants.

Table Of Contents
  1. Key Features of Jupiter Credit Card
  2. Jupiter Credit Card Variants
  3. Eligibility Criteria
  4. How to Apply for Jupiter Credit Card
  5. Real User Experience & Feedback
  6. Who Should Get the Jupiter Credit Card?
  7. Final Verdict

Key Features of Jupiter Credit Card

1. Assured Cashback Rewards

The standout feature of the Jupiter Credit Card is its clear and generous cashback program:

  • 2% Cashback: Cardholders can choose one spending category—Shopping, Travel, or Dining—to earn 2% cashback. This category can be changed once every three billing cycles.
  • 0.4% Cashback: On all other UPI and general credit card spends, users earn 0.4% cashback.

This ensures that users get rewarded for both routine and occasional transactions.

2. Lifetime Free Card

Both variants of the Jupiter Credit Card are lifetime free, with no joining or annual fees. This makes it a highly economical choice, especially for users who prefer to avoid long-term maintenance costs commonly associated with premium credit cards.

3. Seamless UPI Integration

A major innovation of the Jupiter Credit Card is its UPI credit card functionality. Users can link their card to UPI apps and make payments by simply scanning QR codes. This feature offers unmatched convenience and expands the usability of the credit card to offline merchants and small vendors.

4. Welcome Rewards

New users are greeted with attractive welcome offers. On completing their first UPI and credit card transaction, users receive reward points worth ₹250. These points can be redeemed for vouchers across top brands like Swiggy, Amazon, Flipkart, and more.

5. Additional Perks

  • Fuel Surcharge Waiver: The card offers a 1% waiver on fuel transactions between ₹400 and ₹3,000 at all fuel stations across India.
  • Domestic Lounge Access: The Federal Bank variant includes one complimentary domestic airport lounge access every quarter, subject to meeting minimum spend criteria.

Jupiter Credit Card Variants

1. Jupiter Edge CSB Bank RuPay Credit Card

  • Network: RuPay
  • Best For: Users focused on UPI-linked transactions and higher cashback in selected categories.
  • Annual Fee: Nil

2. Jupiter Edge Federal Bank Visa Credit Card

  • Network: Visa
  • Best For: Users seeking added perks like lounge access and international payment compatibility.
  • Annual Fee: ₹999 (waived on annual spends of ₹1.2 lakhs)

Eligibility Criteria

To qualify for a Jupiter Credit Card, users must meet the following criteria:

  • Age: Must be between 21 and 60 years old.
  • Income: Should have a stable income source. While there’s no publicly disclosed minimum income requirement, higher income improves approval chances.
  • Credit Score: A good credit history and score are preferred.
  • Bank Account: While not always mandatory, having a savings account with the issuing bank (CSB or Federal Bank) may be beneficial for cashback redemption and smoother application processing.

How to Apply for Jupiter Credit Card

Applying for the Jupiter Credit Card is easy and entirely digital. Here’s a quick step-by-step guide:

  1. Download the Jupiter App: Available on Android and iOS platforms.
  2. Complete KYC: Upload identity and address proof documents digitally.
  3. Choose Card Variant: Select either the RuPay or Visa version based on your needs.
  4. Instant Approval: Upon successful verification, a virtual card is issued instantly, and the physical card is delivered within a few days.

Real User Experience & Feedback

Many users appreciate the simplicity and transparency of the Jupiter Credit Card. The ability to earn cashback through UPI—something few cards currently offer—is a game-changer for daily use. The app interface is intuitive, allowing users to track spends, redeem rewards, and manage payments easily.

However, some feedback points to a few limitations:

  • Category Lock-in: The 2% cashback category can only be changed once every three billing cycles, which may limit flexibility for some users.
  • Savings Account Dependency: For full benefit access, including faster cashback credit and redemptions, having a linked savings account with the issuing bank might be necessary.

Who Should Get the Jupiter Credit Card?

This card is best suited for:

  • Young professionals looking for their first credit card.
  • UPI enthusiasts who want to use their credit card for QR-based payments.
  • Budget-conscious users who don’t want to pay annual or hidden fees.
  • Frequent shoppers or travelers who want to earn cashback in their preferred category.

Final Verdict

The Jupiter Credit Card delivers on its promise of simplicity, rewards, and modern digital features. With UPI credit card integration, zero fees, and customizable cashback, it stands out in India’s growing credit card market. While it may not offer premium perks like global lounge access or concierge services, it is an excellent day-to-day card for the masses.

Also Read: IPT Crypto News: Interest Protocol Token Price, Tokenomics & Market Trends

Scroll to Top