Fees
Annual feeNil (Lifetime Free)
Joining feeNil (Lifetime Free)
Renewal feeNil (Lifetime Free)
Fee waiverNot applicable — no annual fee
Interest rate~3.5% p.m. (as per Jupiter/CSB MITC)
Late paymentAs per Jupiter MITC (tiered by outstanding)
Forex markupAs per MITC (RuPay primarily domestic)
Cash advanceAs per MITC
Eligibility
Min income (salaried)INR 20,000 - INR 35,000 (approx)
Min income (self-emp.)INR 2.5 - INR 4 lakh/year (approx)
Income requirementSalaried: INR 20,000 - INR 35,000 (approx); Self-employed: INR 2.5 - INR 4 lakh/year (approx)
Credit score700 - 750
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes — 2% on one chosen category (dining / shopping / travel)
Cashback %2% on chosen category; 0.4% on all other spends
Cashback capMonthly cashback cap applies (per Jupiter T&C)
Redemption optionsCashback, digital gold, gift vouchers — via Jupiter app
Points expiryAs per Jupiter rewards policy
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceNo
Hotel/flight offers0% - 5% (periodic Jupiter offers)
ConciergeNo
Forex waiverNA (RuPay domestic-first)
Lifestyle
Dining benefitsYes — if 'dining' chosen as accelerated category
Dining discountsYes — if 'dining' chosen as accelerated category
Fuel surchargeNo reward on fuel; surcharge waiver not a core benefit
OTT subscriptionsNo
E-commerce offersYes — INR 250 welcome voucher on Swiggy/Amazon/Zomato/Flipkart spend
Credit limit & EMI
Default limitINR 25,000 - INR 75,000 (profile based)
Max limitUp to INR 3 lakh
Cash withdrawalAs per MITC
EMI optionsPost-purchase (in-app); Yes — via Jupiter app
EMI conversionPost-purchase (in-app)
Min EMI amountINR 2,500 - INR 3,000 (approx)
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes — instant in-app block; zero liability after reporting
Digital & security
ContactlessYes (RuPay contactless + UPI tap/QR)
Virtual cardYes — via Jupiter app
App featuresJupiter app: UPI + card spends view, rewards tracking, statements, EMI, limits, block/unblock
Card controlsBlock/unblock; toggle online/contactless; set limits — via Jupiter app
Fraud protectionReal-time transaction alerts; OTP for online transactions; Tokenization (RBI mandated); suspicious-transaction blocking; instant card block
Zero liabilityZero liability if fraud reported within 3 working days; limited liability if reported within 4-7 working days; full liability if reporting delayed beyond 7 days without valid reason (per RBI)
WhatsApp supportYes (CSB WhatsApp banking)