CSB Bank Limited issues the Jupiter Edge RuPay Credit Card in partnership with Europa Neo Marketing Private Limited. This card is exclusively available on the Jupiter platform and offers instant cashback for customer’s chosen categories. The 3-in-1 innovative card allows users to switch between Shopping, Travel, and Dining, thus maximizing the rewards with assured 2% cashback on the selected category.
In additional benefits, the card includes 0.4% cashback on all other spending, and ease of UPI payments. The cardholders get a 1% fuel surcharge waiver on this card, it also offers welcome rewards of ₹250 on the first UPI and card spend. With zero joining and annual fees, it’s ideal for maximizing savings on frequent expenses, making it a top choice for savvy spenders.
Key Highlights
| Key Highlights | Joining Fee | Nil |
| Annual Fee | Nil (One year from the date of card issuance. The fee will be added to the bill) | |
| Best Suited For | Shopping, cashback & travel | |
| Welcome Offer | Get voucher of worth ₹250 from well-known brands on 1st successful transaction | |
| Card Network Type | RuPay | |
| Special Feature | The 3-in-1RuPay credit card with a switch between shopping, travel and dining | |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver | |
| Assured Cashback | – 2% Cashback on either shopping, travel and dining – 0.4% Cashback on All Other UPI and Credit Card Spends |
Features & Benefits of Jupiter Edge RuPay Credit Card
| Benefits | Details |
| Welcome Benefits | A welcome voucher for users worth ₹250 will be issued after the 1st successful UPI Credit card transaction from the Jupiter Edge RuPay Credit Card on Jupiter App, (the minimum transaction amount should be ₹2,000 or more). Cardholders can select any voucher via partner brands such as Amazon, Flipkart, Swiggy, Zomato, or Myntra. Note– The voucher will be valid for 12 months from the date of issuance. |
| Cashback Benefits/ Accelerated Rewards | Users will earn a reward on every credit card spent – They will get assured 2% cashback on either shopping (fashion, groceries, electronics & more), travel (flights, trains, hotels & more) or dining (food delivery, restaurants & more) – Assured 0.4% cashback on all other UPI & credit card spend – A maximum of 15,000 Reward Points/₹3,000 cashback can be earned in a month Note– Eligibility for cashback is subject to Merchant Category Codes (MCCs) determined by the bank |
| Fuel Surcharge Waiver | – 1% fuel surcharge waiver (maximum ₹100 per billing cycle) on transactions between ₹400 – ₹3,000 – ₹10 for transactions up to ₹400 |
| 1-Click Card Controls | The Jupiter Edge RuPay Credit Card comes with a one-click control feature that allows cardholders to perform below actions with one click: Copy the card number, Freeze the card, Reset the PIN, and Set credit card limits |
| Ease Of UPI | Scan & pay any QR to make UPI transactions with Edge CSB Bank Rupay Credit Card |
| Airport Lounge Access | Not Available |
| Ease to Switch/ 3-In-1 Benefits | Cardholders can switch between the selected categories as per their preference once every three billing cycles. Dining, shopping, and travel are the three main categories with 2% assured cashback |
| Insurance Benefits | The Jupiter Edge RuPay Credit Card from CSB Bank offers free personal accident insurance coverage and total permanent disability cover of up to ₹10 lakh |
| Excluded Expenses for Rewards | Rewards or Jewels are not awarded for certain merchant categories classified under the following- Fuel purchases, Transactions involving government services, Rent payments, & payments for utility bills such as electricity and gas Also, the transactions involving wallet load, transactions involving the purchase of gift or prepaid cards or vouchers, cash advances, payments made towards outstanding balances, card fees, and other charges, all transactions made under any EMI schemes |
| Concierge Services | 24×7 available in English & Hindi |
| Track Your UPI Spends | Jupiter Edge Rupay credit card gives an option to cardholders to track their spending so they can remain in control of their money |
| The Design | This card is made in a half opaque half-transparent design which can be seen in the circuit lines on the right side of the card |
Reward /Jewels Redemptions
- Jupiter credit card offers rewards in the form of Jewels, these are available only on the Jupiter app.
- Jewels are redeemable as cash on the Jupiter App, minimum of 100 Jewels need to be accumulated prior to redemption.
- These jewels never expire and are also redeemable as digital gold, subject to users’ acceptance of terms & conditions.
- Earning and Redemption of Jewels earned for Jupiter Edge RuPay Credit Card is dependent on the payment of the Minimum Amount Due for the latest bill. If the minimum amount due is not paid, any Jewels earned in the cycle will be locked for redemption. Moreover, earnings of Jewels will be paused till the time the minimum amount due is paid in full.
- 5 Jewels = ₹1, this is subject to change by giving one-month prior notice to the customer so users need to actively visit the Jupiter app.
- Rewards may be fully or propitiatingly clawed back if the transaction is partially or fully refunded for the user spends for which Rewards were credited.
- Per User for per billing cycle shall be eligible maximum Rewards for 15,000 Jewels or ₹3,000.
Fees & Charges
| Types of charges | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee/Renewal Fee | Nil |
| Card Issuance Fee | Nil |
| Card Closure Fee | Nil |
| Add-on Card Fees (Joining/ Annual) | Nil |
| Interest on Cash Advances | Interest charged on cash withdrawals: – 3.5% per month – 42% per annum |
| Interest on Purchase Transactions | Interest charged on cash withdrawals: – 3.5% per month – 42% per annum |
| Interest-Free Period | The interest free credit period can range from 13 – 47 days depending on the date of your credit card transaction. |
| Late Payment Charges | For statement balance- Charges Balance b/w Nil Up to ₹ 500 ₹250– ₹501 – ₹5,000 ₹750– ₹5001 – ₹10,000 ₹1,200– Above ₹10,001 |
| Service Charges Levied for Transactions | Nil |
| Card Replacement Fee | ₹249 |
| Overlimit Fee | Nil |
| Forex Mark-Up Fee/ Foreign Currency Mark-Up Fee | 3.5% on every international transaction |
| Fuel Surcharge Waiver | ₹10 for transactions up to ₹ 400, 1% of transaction value above ₹400. |
| Auto-Debit Failure Fee | Nil |
| Reward Redemption Fee | Nil |
| Rent Payment Fee | 1% of the transaction amount |
| Wallet Transaction Fee | 1% of the transaction amount |
| Minimum Amount Due | If the minimum amount due is less than ₹ 500, the cardholder will be charged ₹500 |
| GST | The GST rate for banking and financial services is at 18% |
Eligibility Criteria for Jupiter Edge RuPay Credit Card
Anyone between 23 and 60 years of age with a good credit score can apply for the Jupiter Edge CSB Bank Credit Card.
Required Documents
To apply for the Jupiter Edge RuPay Credit Card by CSB Bank, the applicant will need to provide the following: Mobile number, Email ID, and Residence pin code.
How to Apply for the Edge CSB Bank RuPay Credit Card?
- Install the Jupiter app on your mobile.
- Start the registration process by verifying your regular mobile number.
- Enter your basic information & begin the card application process, which includes providing your email, marital status, annual income, & PAN card details.
- Complete the KYC process through video-KYC verification.
- After completing the KYC process, the applicant will be notified about the status of their new Edge CSB Bank RuPay Credit Card.
- Once approved, the virtual credit card will be issued immediately, and the physical card shall be delivered to you within 15 business days.
Loss, Theft or Misuse of Card, You Must Know About
Procedure to be followed in case of loss/theft/misuse of Jupiter Edge RuPay Credit Card:
- In case the Edge CSB RuPay Credit Card is lost, stolen, and misplaced, or if the credit card PIN has been compromised, users are advised to report this immediately to customer support from the Jupiter app or via phone or email.
- If the Edge CSB RuPay Bank Credit Card is misplaced, the Cardholder can freeze the card temporarily from the Jupiter App.
- If the Edge CSB Bank RuPay Credit Card is lost or stolen, the cardholder can block the Edge CSB Bank Credit Card from the Jupiter app and place a request to reissue the card. The Cardholder can also reset the Edge CSB Bank Credit Card PIN from the Jupiter app. The Cardholder shall not be able to use the blocked Card for any transaction/s until they receive a replacement Card.
- If the mobile phone with Jupiter App is lost or stolen, inform immediately by calling the customer care number +91 86550 55086. Users are advised to report the theft of Edge CSB Rupay Bank Credit Card or phone to the police by registering an FIR and sharing a copy of the same with the bank (if requested by the bank).
- The Cardholder shall not be liable for any Transactions made on the Card after the Cardholder reports the loss/theft/damage of the Card. However, in case of any dispute relating to Transactions made on the Card at the time of reporting such loss/theft/damage and/or after reporting of loss/theft/damage/misuse, the Bank reserves the right to ascertain the authenticity of such transaction at the time and/or the disputed transaction.
Customer Care Numbers & Grievance Resolution Procedures
In the event that users are not satisfied with the services offered by the card issuer, they may register a grievance by any one of the methods given below:
- Call the Customer Care number at +91 86550 55086
- Users can also write at edge-csb-support@jupiter.money
- Beyond this level, users can also reach out to the issuer bank on csb.grievance@jupiter.money
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FAQs
Is Jupiter Edge RuPay Credit Card good?
Jupiter’s RuPay card comes with numerous benefits. It is a decent lifetime free credit card that provides assured 2% cashback on shopping, travel, or dining, 0.4% cash back on all other UPI and credit card spends, welcome rewards worth ₹ 250 on UPI and card spends, and 1% (maximum ₹100 per billing cycle) on transactions between ₹400 – ₹3,000.
Can I withdraw money from this UPI Credit Card?
No, currently ATM withdrawal is not enabled on Jupiter Edge RuPay Credit Card.
What are the eligibility criteria for getting the Edge RuPay Credit Card powered by Jupiter and CSB Bank?
Anyone between 23 – 60 years and with a good credit score can apply for the Edge CSB Bank Credit Card
How do one generates UPI PIN for Edge CSB Bank RuPay Credit Card?
Users can easily set Edge UPI Credit Card PIN by going to ‘Credit Card’ tab on home screen of the Jupiter app, then → Choose ‘View Card’ → Tap ‘Settings’ gear on top → Tap ‘Reset PIN’. Then change the PIN
Can one send money to friends using this Credit Card on UPI?
No, one can only use the Edge CSB Bank RuPay Credit Card to pay online and offline merchants.
How can one starts using UPI on Jupiter Edge RuPay Credit Card?
Install the Jupiter app and apply for the Edge CSB Bank RuPay Credit Card. Fill in the necessary details. Once approved, users can start using the card to make UPI payments on their RuPay Credit Card.
Is this card is available in virtual form?
The Edge CSB Bank RuPay Credit Card is available in both virtual and physical form. The virtual card shall be available on the Jupiter app, while the physical card shall be delivered to the given address within 15 days.
What is the interest-free period available on Jupiter Edge RuPay Credit Card?
The interest-free period for the Edge CSB credit card ranges from 13 to 47 days. However, this benefit will not be available if one fails to pay the total amount due from the previous month.
In what form are the reward points offered on this credit card?
Reward points are offered in the form of Jewels.
What is the minimum number of Jewels that are needed before the reward points can be redeemed?
A minimum of 100 Jewels are needed before they can be redeemed.
