Best Credit Card

All Benefits

  • Earn 2 Jewels on every ₹100 spent on eligible transactions; 5 Jewels = ₹1; capped at 15,000 Jewels (₹3,000) per billing cycle
  • Jewels can be redeemed on the Jupiter App for cash, statement credit, brand vouchers or digital gold. Redemption and earning of Jewels is allowed only when the Minimum Amount Due is paid
  • Earn 10 Jewels on every ₹100 spent on your selected Switch category (Shopping, Dining, or Travel); 5 Jewels = ₹1; capped at 15,000 Jewels (₹3,000) per billing cycle
  • Earn 2 Jewels on every ₹100 spent on international transactions; 5 Jewels = ₹1

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
21-65 years
Salary
₹25K / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR) An interest rate of 3.75% per month (equivalent to 45% per annum) is charged on outstanding amounts if the total bill is not paid by the payment due date
3.75%
ATM Withdrawal This card doesn't allow ATM Withdrawal
Not Applicable
Reward Redemption No fee is charged when redeeming reward points on this card.
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment No cheque payment fee is charged
Not Applicable
Cash Payment A fee of ₹100 is charged for payments made in cash. The fee is added to the next billing statement
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹500₹100 (min applicable)
₹501 - ₹5000₹100 - ₹100
₹5001 - ₹10000₹100 - ₹200
₹10001- and above₹200+

2% of outstanding | Min ₹100

No Rewards On

FuelUtility billsWallet/prepaid/gift card loadsVoucher purchasesEMI transactionsGovernment paymentsInsuranceRent paymentsEducation/tuition feesPayments to financial institutionsGamblingbettinglotteryReligious/political organizationsMoney transfersForeign currency/cryptoCash advancesCard fees & penalties.

Excluded Spends

Rent paymentFuelInsuranceEMI TransactionsCash WithdrawalsJewellerySchool & Educational ServicesGovernment related transactionsWallet transactions - Load moneyFeesGST chargesAll ReversalsGamblingTollsSecurity Broker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
  • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

Full charges and terms: Bank MITC / Terms