Edge CSB Bank Credit Card

Joining fee

₹499 to join.

Annual feeAdd-on card fee

₹0No fee

Welcome benefit

Welcome voucher valued at ₹250 after the first successful UPI credit card transaction of ₹2000 or more from the Edge CSB Bank Credit Card on Jupiter App.

Reward rate

1% cashback · everyday spends1% cashback on all online & offline spends.

Online earning

10% cashback on top shopping brands.

Travel earning

5% cashback on top travel brands.

Reward exclusions

Edge+ CSB Rupay Card: Jewels only for transactions on the Jupiter UPI App; transactions made by linking the card to other UPI Apps will not be eligible for rewards

Reward caps

Edge+ CSB Bank Rupay Card shopping: maximum reward in the form of Jewels in a statement cycle is category capping 10,000, merchant capping 3,000 and transaction level capping 1,000

What one reward unit is worth

Redemption value per Jewel: Jupiter Flights, Jupiter Store, Brand Vouchers, Digital Gold 1 Jewel = Re. 0.20; Statement Credit, Bill Payments, Cash/Cash Equivalent withdrawals 1 Jewel = Re. 0.14

Cashback redemption

Cash/Cash Equivalent withdrawals: 1 Jewel = Re. 0.14.

Catalogue redemption

Jupiter Store: 1 Jewel = Re. 0.20.

Flight redemption

Jupiter Flights: 1 Jewel = Re. 0.20.

Statement-credit redemption

Statement Credit and Bill Payments: 1 Jewel = Re. 0.14.

Voucher and product redemption

Brand Vouchers and Digital Gold: 1 Jewel = Re. 0.20.

Point expiry

Jewels do not expire and have lifetime validity; accrued Jewels are nullified if the credit card is not used for more than 365 days, and all Jewels accrued lapse if outstanding dues are not paid for 90 days.

Smallest number of points that can be redeemed

Jewels are redeemable on the Jupiter App, subject to the minimum accumulation threshold specified at the time of redemption; the applicable threshold may vary and will be displayed within the Jupiter App

Minimum spend rules

Shopping brands Amazon, Flipkart, Myntra, Tata Cliq, Ajio, Nykaa, Croma, Reliance Digital, Trent Retail / Tata Retail, Reliance Retail: 50% reward points (Jewels) if the billing statement cycle spends are greater than ₹15,000, else 5% reward points (Jewels)

Fuel surcharge waiver

1% (Maximum ₹100) Fuel Surcharge Waiver upon spend of minimum ₹400 and maximum spend of ₹3,000

Lost card liability

The Card Member shall not be liable for any transaction/s made on the Card post the Cardholder reporting the loss/theft/damage.

Forex markup

3.5% on foreign currency transactions.3.5% on every international transaction

Dynamic currency conversion markup

1%1.0% on every DCC transaction

Cash advance fee

Cardholders cannot use the Edge CSB Bank Credit Card and Edge+ CSB Bank Credit Card to withdraw cash from ATMs in India and/or overseas.

Interest on unpaid balance

3.75% monthly interest rate and 45% annual interest rate on the outstanding amount.

Interest-free period

Interest free period could range from 13 to 47 days

Late payment fee

5% of outstanding amount due subject to a minimum of ₹250 and a maximum of ₹2000

Over-limit fee

Nil

Card replacement fee

Fee of ₹249 at the time of card replacement; the fee is added to the next bill.

Cheque payment / dishonour fee

Auto-debit failure fee: Nil

Education / school fee charge

1% of the transaction amount.

Wallet load charge

1% of the transaction amount on wallet top-up transactions.

Fuel transaction fee

1% of transaction value above ₹10,000 or monthly spends when higher than ₹50,000.

Rent transaction fee

1% of the transaction amount and a minimum fee of ₹149

Utility transaction fee

1% of the transaction amount on transactions above ₹20,000 or if monthly spends are above ₹50,000.

GST note

GST is applicable on all fees, interest, surcharge and other charges; the GST rate for banking and financial services is 18%

Minimum amount due

All outstanding EMI instalments (principal, interest, taxes, processing fee if any) due for the month/billing cycle, 100% of interest, 100% of charges/fees, 100% of Govt. taxes, 2% of fresh principal outstanding and the entire un-paid minimum amount due of previous cycles; if the minimum amount due is less than ₹500, ₹500 is charged as the minimum amount due

Eligibility

Set by the bank at its sole discretion; can depend on credit bureau (CIC) history, occupation, education, age etc.