CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Federal Bank

Jupiter Aurora Metal Debit Card

44
Ranked #4 of 66 in debit
debitVisaUltra-Premium (Fintech co-brand)

Jupiter's (neobank) ultra-premium metal debit card issued via Federal Bank banking rails, marketed with high cashback rates and brand voucher bonuses — but community sourcing suggests realistic value delivery is well below headline marketing claims, and the fee structure has been revised upward since initial launch.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value38/100 · weight 71%
≈ 1.81% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +6.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency48/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks35/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹7,999 + 18% GST
= ₹9,439 total
Annual fee
₹7,999 + 18% GST
= ₹9,439 / year total
Waiver: Not detailed as waivable in current sources
Forex markup
2%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendscashback5%₹1,000 / monthly5% cashback on eligible debit card spends, capped ₹1,000/month (~₹12,000/year). Minimum txn value & eligible MCCs apply. Paid as Jewels (5 Jewels = ₹1).
online_travel_bookingcashback5%₹1,000 / monthly5% cashback on flight bookings made via the Jupiter app, capped ₹1,000/month.
wallet_loadcashback0%—No cashback on wallet loading (excluded).

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

Credit card, loan & BNPL repaymentsWallet loadingGambling & online gamingPolitical/financial institution transfersCourt/legal paymentsRestricted merchant categoriesRefunds/reversed transactionsATM withdrawalsOther non-qualified spends defined by Jupiter

Welcome offer

Not fully detailed

Milestone benefits

Pros

  • High headline 5% cashback rate (~6.25% per some marketing) with brand voucher bonuses up to 15%
  • metal card premium build
  • BOGO offers

Cons

  • High annual fee (Rs7,999-10,000 depending on source, likely revised over time)
  • community reports suggest realistic annual value (~Rs12K cashback + Taj vouchers) is considerably lower than headline "up to Rs1.5L" marketing claims
  • fee structure has been revised/increased since launch per user community reports (TechnoFino)

What's inside

Issuer-stated total value: ₹30,000

More benefits

  • Taj Vouchers (Milestone)

    ₹25,000

    ₹10K Taj voucher on ₹2L spends, ₹15K on ₹4L spends

  • Movie Tickets

    ₹3,600

    BOGO on District (up to ₹300/mo)

  • Zomato Dining

    ₹12,000

    20% off (min bill ₹2,500, up to ₹1,000/mo)

  • Lounge Access

    1 Dom & 1 Intl lounge access per quarter (₹50K spend req)

    quarterly.

  • Zero Forex

    0% forex on spends and ATM up to ₹1L/mo

  • Aurora Health & Fitness Suite

    ₹30,000

    CultFit, Health coaching, Dental, Teleconsultation

  • Pharmacy Benefits

    15% off at Apollo & Tata 1mg + ₹500 voucher

  • Fraud Protection

    UPI, Debit & Credit card fraud protection up to ₹1L

  • Priority Support

    Dedicated phone line, 4hr resolution guarantee

Insurance cover

text
₹NaN

Eligibility

text
Jupiter Money account holder (neobank app, issued via Federal Bank banking rails)

Small print

Fuel surcharge:Not a highlighted benefit