11 Oct 2026 · OneCard (BOBCARD) · Worse
Late fees go up across three slabs
Late fee, top slab: ₹1,250 → ₹1,300. Late fee, ₹10,001–25,000: ₹1,000 → ₹1,100 (to ₹15,000) or ₹1,200. Late fee, ₹1,001–5,000 slab: ₹500 → ₹700.
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The fine print of India's app credit cards, in plain answers.
Scapia, OneCard, Jupiter Edge and super.money superCard. Ask about fees, rewards or recent changes, and see the exact words from each issuer's terms.
Tapped questions are answered straight from the issuers' documents. Typed questions we cannot look up go to an AI model, which is told to say “I don't know” rather than guess.
153 figures, quoted from 18 issuer documents, each checked against the source twice, independently, then audited line by line. Last checked 4 Nov 2026. How we check
What changed recently
All 20 changes10 Oct 2026 · Jupiter Edge+ · Worse
50% shopping Jewels now need ₹15,000 of spend in the cycle
Shopping Jewels: 50% at named merchants → 50% only if the cycle's qualified spends exceed ₹15,000, otherwise 5%. The old table ran to 30 September and the new one starts on 10 October; the page does not cover the days between.
Jul–Aug 2026 · OneCard (Federal Bank, SBM Bank, CSB Bank, BOBCARD) · Worse
Bills and utilities stop earning points
Federal Bank from 15 Jul, SBM Bank from 30 Jul, CSB Bank from 12 Aug, BOBCARD from 29 Aug. Earned, including 5X up to the 25,000-point cap → No points, and no longer counted for 5X.
Compare them on one question
Every card, side by side, from each issuer's own terms. Where OneCard's banks differ, you see the range here and every bank on the full comparison.
Forex markup on every cardScapia0%OneCardSame at every bank1%Jupiter Edge, Jupiter Edge+, super.money superCard3.5%See every cardRent and wallet transfer feesJupiter Edge, Jupiter Edge+, Scapia1%OneCard1% at Federal Bank, 2% at the other 41–2%super.money superCardNot statedSee every cardWhich cards still reward bills and utilities?Jupiter Edge, Jupiter Edge+, super.money superCardNoOneCardNot excluded at Indian Bank, No at the other 4No at 4 of 5ScapiaSources disagreeSee every card
Guides worth reading
Jupiter EdgeJupiter Edge Jewels: What They Are Worth
Two redemption values, a 15,000-Jewel cap, UPI only through Jupiter, and the long list of spends that earn nothing.
super.money superCardsuperCard: How the FD-Backed Card WorksA limit secured by your fixed deposit, 1% cashback with caps, 42% a year on unpaid dues, and what happens to the FD if you do not pay.
OneCard5X Rewards Explained: The Honest, Complete Guide5X = 1% (not 5%). The 3-category unlock rule, what earns nothing, caps, and the silent reclassification trap.