Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | HDFC Bank HDFC Bank RuPay IRCTC Credit Card | CSB Bank (Jupiter platform) Jupiter Edge+ CSB Bank RuPay Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | CSB Bank (Jupiter platform) |
| Network | RuPay | RuPay |
| Annual fee | ₹500 + GST per year | ₹0 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | No waiver recorded |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Offline store shopping | 1% · Base reward points | 10% · Threshold shopping Jewels |
| Online shopping | 1% · Base reward points | 10% · Threshold shopping Jewels |
| Travel & hotels | 1% · Additional SmartBuy train cashback | 5% · Jupiter Flights Jewels |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | SmartBuy train cashback: ₹1,000/month · SmartBuy train cashback: ₹12,000/calendar year | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹12,000/month salaried · ₹50,000/month self-employed | Approx. ₹25,000/month |
| Terms verified | 13 Sept 2026 | 21 Sept 2026 |
| Best suited to | Frequent train travelers who book through IRCTC and can redeem points against future rail tickets. | Jupiter app users who shop frequently at partner brands and also book flights through the app. |
| Main trade-off | The 5-point rail rate is capped monthly and yearly, SmartBuy cashback has separate caps, points can fund at most 70% of a rail ticket, and each redemption carries the published ₹99 plus GST fee. | The card is now issued by CSB Bank rather than Jupiter directly: the standard joining fee is ₹999 even though promotional lifetime-free offers are sometimes displayed at signup. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
