About Edge+ CSB Credit Card
The Edge+ CSB Credit Card (also known as the Jupiter Edge+ CSB Bank RuPay Credit Card) is a co-branded product from CSB Bank and Jupiter Money. It's a RuPay network card designed for digitally savvy users, with a focus on UPI integration (scan and pay with credit line), generous cashback on popular online categories, and a lifetime-free structure after a one-time fee.
This card is ideal for those who frequently shop on major e-commerce platforms, book travel online, and use UPI for everyday transactions.
Fees and Charges
- Joining Fee: ₹499 + GST (one-time; often includes welcome Jewels worth around ₹500)
- Annual Fee: Nil (lifetime free, especially promoted as such for early users or ongoing)
- Annual Fee Waiver Spends: NA (no annual fee to waive)
- Forex Markup Fee: 3.5% on international transactions
Welcome and Milestone Benefits
- Welcome Benefits: Welcome voucher/Jewels (e.g., ₹250 or equivalent after first qualifying UPI/credit transaction of ₹2000+ in some offers; limited period perks like Amazon Prime or similar in promotions)
- Milestone Benefits: NA (some older Edge variants had spend-based lounge unlocks, but not prominently for Edge+)
Cashback and Rewards
- Card Type: RuPay Credit Card (UPI-enabled)
- Card Network: RuPay
- Best For: Online shopping on major brands, travel bookings, UPI payments, everyday spends with no annual fee
- Cashback/Rewards on Online Purchases: 10% on top shopping brands (e.g., Amazon, Flipkart, Myntra, Ajio, Zara, Nykaa, Croma, Reliance Trends, Tata Cliq, Reliance Digital); 5% on top travel brands (e.g., MakeMyTrip, EaseMyTrip, Yatra, Cleartrip); 1% on other online spends
- Cashback/Rewards on Offline Purchases: 1% on all eligible offline spends
- Maximum Cashback per Statement Cycle: 10% category capped at ₹1,500 per billing cycle (with per-merchant limit of ₹500); 5% category capped at ₹1,000 per billing cycle; 1% uncapped
- Rewards Redemption Options: Earned as Jewels (5 Jewels = ₹1); redeem as cash, gift cards, digital gold, bill payments, or other options via Jupiter app
Lounge Access
- Domestic Lounge Access: NIL
- International Lounge Access: NIL
Category Spend Benefits
- Online Shopping: 10% cashback on listed top brands (capped as above)
- Food and Grocery: 1% (unless via listed brands)
- Travel Booking: 5% on listed top brands (capped at ₹1,000/month)
- Utility Bill Payments: 1%
- UPI Payment (Scan & Pay): Eligible for cashback (1% base; accelerated if via partner brands); seamless UPI on credit line
- Fuel: 1% surcharge waiver on fuel spends
Excluded Categories
- All Excluded Categories: Standard exclusions apply (e.g., cash advances, wallet loads may have restrictions in some cases, but cashback on most eligible spends; specific merchant exclusions or returns policy affects crediting; full list in MITC/T&Cs)
Why Choose Edge+ CSB Credit Card?
The Edge+ CSB Credit Card is an excellent choice if you want a hassle-free, lifetime-free (post-joining fee) card with good returns on high-frequency online purchases. It offers up to 10% cashback on popular e-commerce and travel websites with no rotating categories or activation requirements. The uncapped 1% on everything else, combined with the UPI-on-credit feature, makes it suitable for daily use. The Jupiter app allows for easy tracking and redemption of rewards (Jewels), resulting in significant savings (up to ₹50,000 annually for heavy users). It's especially appealing to millennials/Gen Z, who prefer digital payments, online shopping, and clear rewards over premium perks.
Who is eligible for the Edge+ CSB Credit Card?
The Jupiter app assesses eligibility instantly (100% digital, no paperwork required). Typical requirements include being an Indian resident, meeting age criteria (usually 21-60 years), having a good credit score/history, a stable income, and obtaining CSB Bank approval. Apply directly through the Jupiter Money app for a quick check on eligibility and credit limits.
Is the Edge+ CSB Credit Card worth applying for?
Yes, especially if your spending is related to online shopping (Amazon/Flipkart, etc.), travel bookings, and UPI transactions. The one-time fee of ₹499 is quickly offset by welcome perks and ongoing cashback, especially with uncapped 1% base and high caps on accelerated categories. It lacks luxury benefits (limited/no lounge access, standard forex), but for value-conscious users looking to avoid annual fees, it's a strong contender in the entry-to-mid segment RuPay UPI cards. Compare your spending patterns; if you consistently max out the 10%/5% categories, the returns can be impressive. As offers change, always check the official CSB Bank or Jupiter website for the most up-to-date terms and conditions. Apply using the Jupiter app for the best experience!