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Jupiter Edge+ CSB Bank RuPay vs Federal Scapia 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.

Jupiter Edge+ CSB Bank RuPay Credit Card versus Federal Scapia Credit card compared
FeatureJupiter Edge+ CSB Bank RuPay Credit CardJupiter Edge+ CSB Bank RuPay Credit CardCSB Bank5 recent changes →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards1% on most spends; 5% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)1%2%
Online shopping1%; 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 rate2%
Dining and food delivery1%2%
Groceries1%2%
Travel: flights, hotels, trains1%; 5% only at Jupiter Flights2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees1%2%
Wallet top-upsEarns nothing2%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%2%
Everything else1%2%
Card identity
Card typesameTravelTravel
NetworkRuPayVisa
Card tierEntryMid
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freeNoYes
Eligibility
Min age23 years-
Max age60 years-
Employment typesameBOTHBOTH
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits-0
Domestic lounge unlimitedNoYes
International lounge visits-0
Lounge condition-20,000+ Per Month
Forex and international
Forex markup3.5%None
UPI rewards
Works on UPIsameYesYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption method-Vouchers, Air miles
Page content
Eligibility-Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student
Documents neededPAN or Aadhaar card (identity and address) Income proof, digital salary slips or bank statements A digital selfie for in-app verificationPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

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

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

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
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

Jupiter Edge+ CSB Bank RuPay Credit Card
  • Monthly caps on the higher rates
  • Other online stores earn only 1%
  • 3.5% forex fee
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

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

Questions People Ask

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

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