Up to 50% Jewels on Shopping & Seamless UPI Payments
Free
One-time upfrontFree
Waiver on milestone5% Jewels (5 Jewels per ₹100 spend; up to 1% effective value at ₹0.20/Jewel, 0.7% as statement credit)
On eligible spendsNo Lounge Access
Complimentary visitsLast verified 15 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Jupiter Edge+ CSB Bank RuPay Credit Card is a versatile, lifetime-free RuPay credit card that excels for cardholders with consistent monthly spending. If you naturally spend over ₹15,000 in qualifying transactions per billing cycle, the card delivers up to 10% effective value (or 7% via statement credit) on key shopping partners up to monthly category caps. However, following the October 2026 devaluation, light spenders who put less than ₹15,001 on the card receive only 1% effective value (or 0.7% via statement credit), making dedicated flat-cashback cards like the Cashback SBI Card or HDFC Millennia far superior for occasional shoppers.
Unlocks strictly when qualified statement-cycle spending exceeds ₹15,000. Delivers up to 10% effective value when redeemed for vouchers/gold (1 Jewel = ₹0.20) or 7% value as statement credit (1 Jewel = ₹0.14). Subject to a monthly category cap of 10,000 Jewels, per-merchant cap of 3,000 Jewels, and per-transaction cap of 1,000 Jewels.
Earn 5% Jewels base rewards on eligible merchant UPI transactions.
Capped at 5,000 Jewels per statement cycle.
No recurring maintenance or membership charges apply to the primary card under current promotional terms.
Provides complimentary personal accident and total permanent disability insurance cover of up to ₹2 Lakhs under the RuPay Platinum cardholder benefit programme (BIN 653038).
Maximum surcharge waiver is capped at ₹100 per statement cycle.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Accelerated Shopping (Amazon, Flipkart, Myntra, Tata Cliq, Ajio, Nykaa, Croma, Reliance Digital, Trent/Tata Retail, Reliance Retail) | 50% Jewels (up to 10% effective value at ₹0.20/Jewel, 7% as statement credit; requires >₹15,000 monthly spend) | 10,000 Reward Points / statement cycle | Requires total qualified statement-cycle spend strictly greater than ₹15,000. If spend <= ₹15,000, shopping spends earn base 5% Jewels. 3,000 Jewels per-merchant cap, 1,000 Jewels per-transaction cap. |
| Jupiter Flights | 25% Jewels (up to 5% effective value at ₹0.20/Jewel, 3.5% as statement credit) | 5,000 Reward Points / statement cycle | Valid only for domestic and international flight bookings via Jupiter App. Capped at 5,000 Jewels per statement cycle. |
| UPI Merchant QR & All Other Qualified Spends | 5% Jewels (up to 1% effective value at ₹0.20/Jewel, 0.7% as statement credit) | No Cap | Standard exclusions apply (rent, wallet loads, EMI, cash advances). |
Calculate estimated net cashback and points across your actual spending pattern.
Authoritative backend calculation respecting category rates, monthly caps, fee waivers & milestones.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Accelerated Shopping (Amazon, Flipkart, Myntra, Tata Cliq, Ajio, Nykaa, Croma, Reliance Digital, Trent/Tata Retail, Reliance Retail) | ₹6,000 | 50% Jewels (up to 10% effective value at ₹0.20/Jewel, 7% as statement credit; requires >₹15,000 monthly spend) | — | ₹10,000/statement_cycle | Calculating... | Under cap |
| Jupiter Flights | ₹6,000 | 25% Jewels (up to 5% effective value at ₹0.20/Jewel, 3.5% as statement credit) | — | ₹5,000/statement_cycle | Calculating... | Under cap |
| UPI Merchant QR & All Other Qualified Spends | ₹18,000 | 5% Jewels (up to 1% effective value at ₹0.20/Jewel, 0.7% as statement credit) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Annual Fee: ₹0 (Lifetime Free). Joining Fee: ₹0 under promotional terms. Shopping Rewards: 50% Jewels on Amazon, Flipkart, Myntra, Tata Cliq, Ajio, Nykaa, Croma, Reliance Digital, Trent/Tata Retail, and Reliance Retail, unlocking strictly on qualified statement-cycle spending greater than ₹15,000 (monthly shopping cap: 10,000 Jewels, per-merchant: 3,000, per-transaction: 1,000). If spend <= ₹15,000, shopping earns base 5% Jewels. 25% Jewels on Jupiter Flights (cap: 5,000 Jewels). Other spends: 5% Jewels. Jewel value: up to ₹0.20 (vouchers/gold, delivering up to 10% effective value) or ₹0.14 (cash/statement credit, delivering 7% value). Forex markup: 3.50%. No domestic airport lounge access. Personal accident + total permanent disability cover: ₹2 Lakhs (RuPay Platinum BIN 653038).
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Jupiter Edge+ CSB Bank RuPay Credit Card application, fees, reward redemption, and eligibility
The joining fee for Jupiter Edge+ CSB Bank RuPay Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Fee waiver is subject to promotional milestone spends published by CSB Bank from time to time.
Jupiter Edge+ CSB Bank RuPay Credit Card offers 5% Jewels (5 Jewels per ₹100 spend; up to 1% effective value at ₹0.20/Jewel, 0.7% as statement credit). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
No, Jupiter Edge+ CSB Bank RuPay Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.
Key eligibility criteria for Jupiter Edge+ CSB Bank RuPay Credit Card include age between 23 and 60 years, employment as Salaried or Self-employed with steady monthly income, residency status of Resident Indian. Approvals remain subject to card issuer verification and underwriting policies.
You can apply directly through the official CSB Bank portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
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Direct online application on the official CSB Bank portal with paperless verification.