Jupiter Edge CSB Bank RuPay Credit Card

(3.6/5)
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The Jupiter Edge CSB Bank RuPay Credit Card, co-branded by Jupiter Money and issued by CSB Bank, is a Lifetime Free credit card with attractive cashback rates. Its key feature is flexibility: you can select specific spending categories for higher cashback (2%), such as Shopping (Groceries, Fashion, Electronics), Dining (Food orders, Restaurants), or Travel (flights, hotels, train tickets). You can change your preferred category every three billing cycles. Additionally, since it’s on the RuPay network, you can use this card for UPI QR code payments. In fact, you make UPI payment on preferred categories, you get 2% cashback on those UPI payments also Overall, it’s a valuable entry-level card for everyday spending and UPI payments. Jupiter and CSB Bank have stopped issuing this credit card. Instead, they are issuing an upgraded version of this credit card called “Jupiter Edge+ Credit Card” or “Jupiter Edge Plus Credit Card“.  Visit following page of SpendWisely Blog to see full Review of the new Jupiter Edge+ Credit Card:👉 https://spendwisely.in/cards/jupiter-edge-rupay-credit-card-by-csb-bank/  

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining & Renewal Benefits

Joining Benefits

  • Rs.250 Gift Card on First UPI QR code Transaction of Rs.2,000 or more in first 30 days of card issuance. Choose between gift-card of Amazon, Flipkart, Swiggy, Zomato or Myntra.

Renewal Benefits

  • No renewal benefits since its a Lifetime Free Credit Card

Rewards and Cashback

  • Accelarated Rewards: 2% Real Cashback without any upper limit on Preferred Spend Categories on both online and offline stores. User can choose any of following three as Preferred Spend Category
    • Shopping (Groceries, Fashion, Electronics etc.)
    • Dining (Food order, Restaurent payments etc.)
    • Travel (flight, hotel, train tickets etc.).
  • Preferred spend category can be changed after every three billing cycles.
  • Base Rewards: 0.40% Unlimited Real Cashback On rest of the spend (non-preferred spend categories)

Fuel Surcharge Waiver

  • 1% (Maximum Rs.100) Fuel Surcharge Waiver upon spend of minimum Rs.400 and maximum spend of Rs.3,000 exclusive of GST and other charges

Other Conditions

  • Rs.1.18% fee (including GST) on rent payment
  • Rs.1.18% fee (including GST) on Wallet Load

Forex Mark-up Charge

3.5% + GST (4.13% including GST)

Joining & Renewal Benefits

Joining Benefits

  • Rs.250 Gift Card on First UPI QR code Transaction of Rs.2,000 or more in first 30 days of card issuance. Choose between gift-card of Amazon, Flipkart, Swiggy, Zomato or Myntra.

Renewal Benefits

  • No renewal benefits since its a Lifetime Free Credit Card

Rewards and Cashback

  • Accelarated Rewards: 2% Real Cashback without any upper limit on Preferred Spend Categories on both online and offline stores. User can choose any of following three as Preferred Spend Category
    • Shopping (Groceries, Fashion, Electronics etc.)
    • Dining (Food order, Restaurent payments etc.)
    • Travel (flight, hotel, train tickets etc.).
  • Preferred spend category can be changed after every three billing cycles.
  • Base Rewards: 0.40% Unlimited Real Cashback On rest of the spend (non-preferred spend categories)

Fuel Surcharge Waiver

  • 1% (Maximum Rs.100) Fuel Surcharge Waiver upon spend of minimum Rs.400 and maximum spend of Rs.3,000 exclusive of GST and other charges

Other Conditions

  • Rs.1.18% fee (including GST) on rent payment
  • Rs.1.18% fee (including GST) on Wallet Load

Forex Mark-up Charge

3.5% + GST (4.13% including GST)

Reward Redemption

With the Jupiter Edge CSB Bank RuPay Credit Card, users earn Jupiter Jewels  for every purchase. These Jewels function as reward points offered by Jupiter, and can be redeemed for real cash at the rate of ₹0.20 per Jewel.

– On preferred spend categories, you earn 10 Jewels per ₹100, which translates to an effective 2% cashback.
– On non-preferred categories, you earn 2 Jewels per ₹100, which is equivalent to 0.40% cashback.

To redeem these Jewels for real cashback, you need a Jupiter Savings Account, which is simple to open through the Jupiter App. The account is completely free and requires no minimum balance. Once you accumulate more than 100 Jewels, you can redeem them as real cash into your Jupiter Savings Account. From there, you can either withdraw the cash from any ATM using the Jupiter Debit Card or transfer it online to another bank account.

Additionally, Jewels can also be redeemed for Digital Gold or gift cards.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 0
Renewal fee
(INR including GST)
₹ 0
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 0

Pros

Aspects that make this credit card amazing.

  • Lifetime Free
  • 2% Cashback on UPI transactions on large number of commonly used products and services such as groceries, food order, dining, fashion, travel etc. (depending upon the category selected)
  • Flexibility to choose higher cashback categories
  • Cashback on UPI spend as well

Cons

Aspects this credit card lacks.

  • No significant cons considering its an entry level Lifetime Free credit card
  • On non-preferred categories (other spend), cashback rate is low (0.40%).

Spend Categories with No Cashback / Rewards

No reward points on following

  • Fuel Spend
  • Government Spend
  • Rent Payment
  • Utility Bills (Electricity bill, gas bills etc.)
  • Wallet Load
  • Giftcards or Prepaid Cards load, Voucher purchase
  • All type of EMI transactions (EasyEMI/SmartEMI, Dial on EMI etc.)
  • Cash Advances
  • Payment of outstanding balances
  • Payment of card fees and charges

Add-on Cards

  • Add-on credit cards are not available with this credit card as of now.

Eligibility Criteria

  • Resident of India
  • Age: 18 years or above
  • Income: Rs.3 Lacs per annum

Upcoming Changes

Jupiter and CSB Bank have stopped issuing this credit card. Instead, they are issuing an upgraded version of this credit card called “Jupiter Edge+ Credit Card” or “Jupiter Edge Plus Credit Card“. 

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

(3.6/5)

SpendWisely’s Rating for this Credit Card

(3.6/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value
(4)
Lifestyle Benefits
(1)
Ease of Reward Redemption
(4)
Value for Money
(5)
Customer Service
(4)

This is a good value giving card considering its lifetime free and gives real cashaback. Cashback rates are decent on preferred spend categories specially since it covers all online and offline brands in those categories. Plus, this card can be used for UPI payments also. So, overall its worth considering credit card if you are not into high-end paid credit cards.

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(4.2/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 0
Renewal fee
(INR including GST)
₹ 0
Base Reward Rate
0%
Accelerated Reward Rate
10%
(4.2/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 0
Renewal fee
(INR including GST)
₹ 0
Base Reward Rate
0%
Accelerated Reward Rate
10%
Full Details
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ Nil
Renewal fee
(INR including GST)
₹ Nil
Base Reward Rate
2%
Accelerated Reward Rate
4%
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ Nil
Renewal fee
(INR including GST)
₹ Nil
Base Reward Rate
2%
Accelerated Reward Rate
4%
Full Details
(2.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 295
Renewal fee
(INR including GST)
₹ 295
Base Reward Rate
0.1%
Accelerated Reward Rate
0.1%
(2.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 295
Renewal fee
(INR including GST)
₹ 295
Base Reward Rate
0.1%
Accelerated Reward Rate
0.1%
Full Details
(1.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.25%
Accelerated Reward Rate
2.5%
(1.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.25%
Accelerated Reward Rate
2.5%
Full Details
(4.6/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ Nil
Renewal fee
(INR including GST)
₹ Nil
Base Reward Rate
1.5%
Accelerated Reward Rate
5%
(4.6/5)
Categories: ,
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ Nil
Renewal fee
(INR including GST)
₹ Nil
Base Reward Rate
1.5%
Accelerated Reward Rate
5%
Full Details
(4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 0
Renewal fee
(INR including GST)
₹ 0
Base Reward Rate
0.67%
Accelerated Reward Rate
8%
(4/5)
Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 0
Renewal fee
(INR including GST)
₹ 0
Base Reward Rate
0.67%
Accelerated Reward Rate
8%
Full Details

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available

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