Jupiter: UPI & Credit Cards

Amica Financial Technologies Private Limited

About this app

Get the lifetime free 3-in-1 switch credit card and switch between shopping, travel, and dining for 2% cashback. Scan any QR and pay with this credit card online, in-store, or with UPI. Track your UPI and credit spends to get monthly Insights. Get the Edge CSB Bank RuPay Credit Card exclusively on Jupiter. Apply now & claim a welcome voucher worth ₹250 from brands like Amazon, Swiggy, Myntra, & more!

Jupiter Money, the 1-app for everything money!

Jupiter brings you instant account opening in 3 minutes (Savings Account is opened with Federal Bank). Jupiter is the easiest, personalised money management app that helps you take control of your finances. Track spends, pay bills, save for goals, and invest & grow your money!

Earn 5X Rewards on your spends* with UPI & Debit card spends
→Open a digital bank account online
→Your money is insured up to Rs. 5 Lakh by DICGC
→24x7 Chat Support
→Fast & secure UPI payments with BHIM UPI
→Track expenses with spend categories
→No hidden fee, charges
→Get a Mini Loan up to Rs. 1.5Lakh
→Get a Personal Loan up to Rs. 5Lakh
→Get high interest (up to 7.25%) p.a. with Fixed Deposits
→Auto-invest daily, weekly, or monthly with zero commission Mutual Funds
→Buy once or auto-save regularly in 99.99% purest 24K Digital Gold
→Track your Loans and never miss an EMI payment
→Track all bank accounts in 1 place
→Make 20+ Bill Payments online

Upgrade to the most rewarding corporate Salary Account online:
→Earn up to 5X cashback on spends*
→Get Personal Loans of up to ₹5,00,000*
→Get advance on your salary with Mini Loans up to Rs. 1,50,000 at 0% interest
→Save up to ₹3500 every month on Forex charges

Mutual Funds on Jupiter: The smarter way to invest online!
→Earn up to 1.5% extra returns with 0-commission Direct Mutual Funds
→Invest once, or auto-invest daily, weekly, or monthly
→Start small with SIPs starting at just ₹100
→0 Penalty on missed Mutual Fund SIPs

24K 99.99% Purest Digital Gold on Jupiter
→Buy & sell anytime
→Invest once, or auto-save daily, weekly, or monthly

Jupiter Money collaborates with various lending partners to offer instant personal loans through its digital lending platform.

Lending partners:
Amica Finance Pvt Ltd (AFPL)
Kisetsu Saison Finance (India) Pvt.Ltd (Credit Saison India)

> The minimum period for loan repayment is 3 months. The maximum period for loan repayment is 12 months.

Annual Interest rate (monthly reducing rate): 16-28%
Maximum APR: Up to 36%

The APR is calculated using several factors such as the principal amount, return on investment, processing fee, and the tenure of the loan.

> Example:
Loan amount: Rs. 1,00,000
Interest - 16% p.a
Tenure - 12 months
Processing Fee - Rs. 2,360 (Including GST)
Disbursal amount - Rs. 97,640
EMI - Rs. 9,073
Total Interest - Rs. 8,877
Total amount payable - Rs. 1,08,877

For queries & support: [e-mail]

Jupiter uses the following permissions to secure your account:
Location: To detect any suspicious activity in your account (required by NPCI for UPI transactions)
Contacts: To help securely send money to friends and family with UPI
Camera: To scan QR codes and to verify your identity with a photo
Phone: To link your number to your account on Jupiter
Send and read SMS: To verify your number, register UPI, and help track transactions and bill payments

Disclaimers:
Jupiter is a marketplace which offers different products including loans, investment, co-branded cards in partnership with the different regulated entities. Jupiter itself is not a bank and doesn't hold or claim to hold a banking license. The Savings Account, Fixed Deposit, co-branded VISA debit and credit card are issued by Federal Bank. All funds in the account are insured up to approved limits by DICGC. The Edge CSB Bank credit card is issued by CSB Bank and exclusively available on Jupiter. Jupiter Money application is owned by Amica Financial Technologies Private Limited.

Ratings and reviews

The app works well overall, but the UI needs improvement. The worst issue is customer service, which has been unhelpful. My credit limit dropped from 125k to 30k due to the partner bank’s (Federal Bank) policy, and when I asked why, they kept repeating “partner bank's internal policy” without a clear explanation. If you can't provide useful assistance, don't ask me to email—just let it be.

I hear good things about it, but in practical use it's roundabout. It works well with Federal Bank accounts and credit cards. But for others you won't find anything easily. I wanted to use it for upi payments and logged in my hdfc rupay card. Now I can neither find the card anywhere, nor check balance left on the card, nor set it up with a upi pin, the settings tab just shows sms permission and says pin setting but upon clicking doesn't show any option of pin setting.

When i check transaction history, all my previous transactions were there but It i choose one bank from the list it is showing the transactions effective on a past time. It is mentioned in the header anyways, but i am not able to filter all transactions of an account. It may update after some time but without the filter i can see everything, it doesn't make sense.