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Federal Bank
A lifetime-free card that pays Jewels on everyday spends, including UPI.
One-time
Zero renewal fee
Uncapped rewards
Score 750+
Applying takes you to Federal Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from Federal Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromOnline shopping
No published ceiling on this tier
Dining
No published ceiling on this tier
Travel
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
2% on Online shopping — 2% back as Jewels on the accelerated everyday categories — shopping, dining and travel., with no stated cap.
Biggest limitation
5 Jewels are worth Re. 1, so the accelerated 2% category is a real 2% only because Jewels are quoted as a percentage of spend — check the Jewel count before assuming the value.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
2%
uncappedOnline shopping
2% back as Jewels on the accelerated everyday categories — shopping, dining and travel.
2%
uncappedDining
2% back as Jewels on dining.
2%
uncappedTravel
2% back as Jewels on travel.
0.4%
uncappedEverything else
0.4% back as Jewels on all other eligible spends.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | None needed. The card is lifetime free — no joining fee, no annual fee and no minimum spend to keep it. |
| Add-on card | Not published by Federal Bank for this card. | — |
| Cash withdrawal | Not published by Federal Bank in the summary for this card. Check the card’s schedule of charges before withdrawing cash. | — |
| Late payment | Not published by Federal Bank in the summary for this card. The slab table is in the card’s schedule of charges. | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹250
of one-time welcome value, on top of what you earn
Every year after
No fee, ever
the rewards simply continue
Not offered on this card.
No fuel surcharge waiver is published by the issuer for this card.
Linkable to UPI. Jupiter pays Jewels on merchant UPI payments made with this card through the Jupiter app. UPI linking itself is a RuPay feature, so it applies to the RuPay variant.
Welcome — once
₹250
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
None
no spend milestones are recorded
Voucher worth Rs. 250 on a first UPI transaction of Rs. 2,000 or more at partner brands — redeemable against Amazon, Flipkart, Swiggy, Zomato or Myntra.
Only on ₹2,000 of spend. Miss it and the benefit does not arrive.
No spend milestones are recorded.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Jupiter Edge Credit Card · this card | Lifetime free | 2% online shopping | No |
| Federal Bank Celesta Credit Card | Lifetime free | Up to 3 reward points per ₹100 | Included |
| Federal Bank Imperio Credit Card | Lifetime free | Up to 3 reward points per ₹100 | Included |
| Federal Bank Signet Credit Card | Lifetime free | Up to 3 reward points per ₹100 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 2% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. Jupiter pays Jewels on merchant UPI payments made with this card through the Jupiter app. UPI linking itself is a RuPay feature, so it applies to the RuPay variant.
Fuel transactions Government payments Rent payments Utility bill payments Wallet loads Gift and prepaid card loads Voucher purchases Cash advances and ATM withdrawals EMI transactions No rewards on fuel transactions, government payments, rent payments, utility bill payments, wallet loads, gift and prepaid card loads, voucher purchases, cash advances and atm withdrawals, emi transactions. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
Cash, credited in the Jupiter app, Brand vouchers in the Jupiter app, Digital gold
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. This card carries no complimentary airport lounge access.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Jupiter Edge Credit Card — 2% on online shopping. No annual fee.