Cashback has become the hottest battleground in India’s credit card market. As UPI grows into the country’s default way to pay, consumers expect credit cards to deliver instant value on every transaction. Two popular choices right now are the Scapia Travel Credit Card, launched in partnership with Federal Bank, and the Jupiter Edge+ Credit Card, a fintech-first product built to maximize everyday cashback.
While Scapia pitches itself as a travel-friendly companion with coins that can be redeemed for bookings, Jupiter Edge+ takes a more versatile, UPI-native approach. It rewards online shopping, travel, and daily payments with higher returns in the form of liquid cashback. If your goal is to earn the maximum real-world savings, Jupiter Edge+ clearly has the edge.
Cashback Comparison: Scapia vs Jupiter Edge+
Key Insights
- At ₹10,000 spend, Jupiter Edge+ (₹1,000 cashback) delivers 2.5x more than Scapia (₹400).
- Even at ₹50,000 spend, Edge+ is ahead with ₹2,650 vs Scapia’s ₹2,000.
- Scapia’s flat 4% looks simple, but Jupiter’s high multipliers on shopping and travel give it superior returns for most spenders.
Scapia Travel Credit Card: Travel-focused but Limited
The Scapia Travel Credit Card is positioned as a lifestyle card for people who travel frequently. It comes with 4% Scapia Coins on every transaction, lounge access, and zero forex markup.
Pros:
- No joining or annual fee.
- Flat 4% reward rate across spends.
- Travel-focused perks like lounge access and zero forex markup.
Cons:
- Rewards are locked into Scapia Coins, which can only be used for bookings via Scapia’s app.
- For non-travelers, coins have limited real-world value compared to cashback.
- At higher spend levels, rewards fall short when compared to Jupiter Edge+.
Scapia works best for frequent flyers who book exclusively through Scapia’s ecosystem, but less so for everyday users.
Jupiter Edge+ Credit Card: Cashback Without Compromise
The Jupiter Edge+ Credit Card is designed for today’s UPI-first, mobile-savvy spender. It goes beyond niche categories and ensures real cashback across everyday transactions.
Pros:
- 10% cashback on shopping (up to ₹1,500/month).
- 5% cashback on travel (up to ₹1,000/month).
- 1% cashback on all other spends.
- UPI-native RuPay card: works on PhonePe, Paytm, Google Pay for QR code payments.
- Lifestyle perks: 1-year free Amazon Prime (₹1,499 value)
- Cashback is flexible and liquid
Cons:
- Cashback caps apply - after hitting limits, returns drop to 1%, but still continue to receive cashback over the spends.
For low to mid-spend users (₹10k–₹30k/month), Edge+ is unmatched in India’s credit card space.
Why Jupiter Edge+ is the Smarter Choice
- Higher Returns: Across all spend levels, Edge+ delivers significantly more cashback than Scapia.
- More Flexible Rewards: Cashback is liquid and credited directly, unlike Scapia’s coins restricted to travel bookings.
- UPI Integration: With RuPay-UPI, Edge+ fits perfectly into India’s everyday payment culture.
- Added Value: Free Amazon Prime alone offsets much of the cost, making it more lifestyle-friendly.
Scapia has its place for pure travelers, but for most Indians who split spends between shopping, food, bills, and occasional travel, Jupiter Edge+ consistently offers more value.
Verdict: Scapia vs Jupiter Edge+
- Choose Scapia if you are a frequent traveler, value lounge access, and plan to redeem all your rewards for flights and hotels via the Scapia app.
- Choose Jupiter Edge+ if you are looking for maximum cashback, flexibility, and UPI integration in a single everyday card.
For the majority of urban millennials and Gen Z professionals, Jupiter Edge+ is the better card overall, delivering more cashback, more versatility, and more perks.
FAQs: Scapia vs Jupiter Edge+
1. Which card gives higher cashback, Scapia or Jupiter Edge+?
Jupiter Edge+ consistently gives higher cashback. At ₹25,000 spend, Edge+ offers ₹2,000 cashback, while Scapia gives ₹1,000.
2. Can I use Jupiter Edge+ on UPI?
Yes. Since it’s a RuPay card, Jupiter Edge+ works on UPI apps like PhonePe, Google Pay, and Paytm.
3. Is Scapia Travel Credit Card free?
Yes, Scapia has no joining or annual fee. Jupiter Edge+ also comes with a limited-time lifetime free offer.
4. Which is better for travel benefits?
Scapia is better for frequent flyers with perks like lounge access and zero forex markup. However, Jupiter Edge+ still gives a strong 5% travel cashback in addition to its shopping rewards.
5. Which is better for everyday spending?
Jupiter Edge+ is better because its rewards cover shopping, travel, and UPI-based daily payments, not just travel bookings.