Jupiter Edge CSB Bank RuPay Credit Card

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Jupiter Edge CSB Bank RuPay Credit Card

(3.6/5)

Best For: Cashback,UPI

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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.

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

Welcome Benefit

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.

Rewards and Cashback

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.
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

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

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

Important Links

N/A

Upcoming Changes

N/A

Rating & Reviews

(3.6/5)

This is the truth, the whole truth, and nothing but the truth; brought to you SpendWisely backed by its expertise and expertise in the area of credit cards

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.

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