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Federal Scapia vs Jupiter Edge+ CSB Bank RuPay Credit card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 5 October 2026.

Federal Scapia Credit card versus Jupiter Edge+ CSB Bank RuPay Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Jupiter Edge+ CSB Bank RuPay Credit CardJupiter Edge+ CSB Bank RuPay Credit CardCSB Bank5 recent changes →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants1% on most spends; 5% only at partner merchants
UPI payments (scan and pay)2%1%
Online shopping2%1%; 1% only at Amazon Flipkart Myntra Tata Cliq Ajio Nykaa Croma Reliance Digital Trent/Tata Retail and Reliance Retail, other online shopping earns the 1% base rate
Dining and food delivery2%1%
Groceries2%1%
Travel: flights, hotels, trains2%; 4% only at Scapia app1%; 5% only at Jupiter Flights
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees2%1%
Wallet top-ups2%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency2%1%
Everything else2%1%
Card identity
Card typesameTravelTravel
NetworkVisaRuPay
Card tierMidEntry
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freeYesNo
Eligibility
Min age-23 years
Max age-60 years
Employment typesameBOTHBOTH
Min credit score730-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits0-
Domestic lounge unlimitedYesNo
International lounge visits0-
Lounge condition20,000+ Per Month-
Forex and international
Forex markupNone3.5%
UPI rewards
Works on UPIsameYesYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption methodVouchers, Air miles-
Page content
EligibilityAge: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student-
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN or Aadhaar card (identity and address) Income proof, digital salary slips or bank statements A digital selfie for in-app verification
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Federal Scapia Credit card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800
Jupiter Edge+ CSB Bank RuPay Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400

At this spend, Federal Scapia Credit card comes out ₹2,400 a year ahead of Jupiter Edge+ CSB Bank RuPay Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee
Jupiter Edge+ CSB Bank RuPay Credit Card
  • Frequent online shoppers
  • People who buy from Amazon, Flipkart and Myntra
  • UPI users wanting a free rewards card

Watch-Outs

Federal Scapia Credit card
  • Coins redeem only for travel in the Scapia app
  • No coins on fuel, insurance, utilities or rent
  • Lounge access needs Rs 20,000 spend each month
Jupiter Edge+ CSB Bank RuPay Credit Card
  • Monthly caps on the higher rates
  • Other online stores earn only 1%
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (Federal Scapia Credit card, Jupiter Edge+ CSB Bank RuPay Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Federal Scapia Credit card or Jupiter Edge+ CSB Bank RuPay Credit Card?

They charge the same annual fee. Federal Scapia Credit card: no annual fee; Jupiter Edge+ CSB Bank RuPay Credit Card: no annual fee.

Which is better for spending abroad?

Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; Jupiter Edge+ CSB Bank RuPay Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Federal Scapia Credit card 2%, Jupiter Edge+ CSB Bank RuPay Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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