Fees
Annual feeAs per Jupiter MITC (renewal fee waived on ~INR 25,000 annual spend)
Joining feeINR 499 + GST (INR 999 + GST from 6 Dec 2025)
Renewal feeAs per Jupiter MITC (renewal fee waived on ~INR 25,000 annual spend)
Fee waiverRenewal fee waived on reaching ~INR 25,000 annual spend
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 rate50× Jewels (~10% at ₹0.20/Jewel for vouchers; ~7% at ₹0.14/Jewel for statement credit) on partner shopping brands: Amazon, Flipkart, Myntra, Tata CliQ, Ajio, Nykaa, Croma, Reliance Digital, Trent, Reliance Retail. Shopping cap: ₹2,000 Jewels/month (≈₹400 for statement credit), ₹600/merchant/month, ₹200/transaction cap (eff. Mar 21, 2026). 35× Jewels (~7% at ₹0.20/Jewel) on Jupiter Flights; capped 5,000 Jewels/month (eff. Jun 1, 2026). External travel platforms (MMT, Yatra, ClearTrip, EaseMyTrip): no longer earn accelerated Jewels — base 5× only (eff. Jun 1, 2026). Monthly total cap: 10,000 Jewels/cycle (eff. Jun 1, 2026).
Cashback %Jewels-based rewards (not direct cashback). Jewel value: ₹0.20/Jewel for Jupiter Flights, Jupiter Store, brand vouchers, digital gold; ₹0.14/Jewel for statement credit and bill payment (eff. Jun 1, 2026; was ₹0.20/Jewel for all redemptions). 10,000 Jewels = ₹2,000 for vouchers/flights; 10,000 Jewels = ₹1,400 for statement credit (30% cut eff. Jun 1, 2026).
Cashback capMonthly cap: 10,000 Jewels per billing cycle (eff. Jun 1, 2026). Shopping sub-cap: ₹2,000 Jewels/month across all partner brands; ₹600/merchant/month; ₹200/transaction (eff. Mar 21, 2026). Jupiter Flights sub-cap: 5,000 Jewels/month (eff. Jun 1, 2026). No exclusion on "Shopping" for gift cards (MCC 5947), utility bills (MCC 4900), insurance (MCC 6300), subscriptions — these earn base 5× only.
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
AdditionalExternal travel platform rewards removed (eff. Jun 1, 2026): MMT, Yatra, ClearTrip and EaseMyTrip no longer earn 5% accelerated Jewels — these now earn base 5× Jewels (same as any general spend). Only Jupiter Flights booking earns accelerated 35× Jewels. Jewels redemption delay: can only redeem Jewels after the monthly statement is generated — 1-month delay for recent spend. UPI RuPay variant earns Jewels on Scan & Pay transactions.
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh (profile based)
Max limitHigher than Edge (profile based)
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)