M16S / CSB Bank / Edge+ CSB Bank RuPay Credit Card
entry · cobrand, rewards, shopping, upi
Edge+ CSB Bank RuPay Credit Card
The Edge+ CSB Bank RuPay Credit Card charges no annual fee, with a joining fee of Rs 999. Its base return is 1% (5% Jewels on all other merchants (5 Jewels per Rs 100)). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- Edge+ CSB card ties 50% shopping Jewels to Rs 15,000 cycle spend, Oct 2026
From 5 October 2026 the 50% Jewels on Shopping brands (Amazon, Flipkart, Myntra and others) need qualified spends above INR 15,000 in the statement cycle, else only 5%. The 5,000 Jewel cap per cycle on Jupiter Flights travel spends is listed as N/A in the updated table. Source: CSB Bank, csb.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 999 |
|---|---|
| Annual fee | Free |
| Fee notes | One-time joining fee Rs 999 + GST per MITC/KFS (Jupiter advertises Rs 0 as a limited-period offer; CSB's page shows Rs 499). No annual fee. Replacement Rs 249. |
Rewards
| Reward currency | Jewels |
|---|---|
| Base earn | 5% Jewels on all other merchants (5 Jewels per Rs 100) |
| Base return | 1% |
| Point value | 1 Jewel = Rs 0.20 for Jupiter flights, store, brand vouchers, digital gold; Rs 0.14 for statement credit, bill payments, cash |
| Accelerated earn | 50% Jewels on Amazon, Flipkart, Myntra, Tata Cliq, Ajio, Nykaa, Croma, Reliance Digital, Trent/Tata Retail, Reliance Retail; 25% Jewels on Jupiter Flights |
| Caps | Shopping: 10,000 Jewels per cycle, 3,000 per merchant, 1,000 per transaction. Flights: 5,000 per cycle. From 10 Oct 2026 the 50% shopping rate applies only if cycle spends exceed Rs 15,000 (5% instant, 45% at cycle end, else cancelled). |
| Spends that earn nothing | No Jewels on fuel, government, rent, utility bills, wallet / gift / prepaid loads, voucher purchases, cash advances, card fees, EMI, insurance premiums, tax, money transfers, gambling; about 50 MCCs excluded. |
| Points expiry | No expiry; nullified if card unused 365 days; lapse if dues unpaid 90 days |
| Reward notes | base_return_pct = 5 Jewels / Rs 100 x Rs 0.20 (0.7% as cash). Shopping 50% Jewels = 10% (7% as cash) up to the caps. Jupiter's terms say Edge+ Jewels are earned on UPI transactions made through the Jupiter UPI app; confirm whether plain card swipes earn. |
Travel and perks
| Domestic loungeunverified | None stated |
|---|---|
| International loungeunverified | None stated |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver (max Rs 100) on Rs 400-3,000 fuel spends |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 5% of outstanding amount due, min Rs 250, max Rs 2,000 |
| Cash advance fee | Cash advance not permitted |
| Eligibility | Jupiter: Indian resident aged 23-60, steady income, healthy credit score. Limit up to Rs 7 lakh. |
| Fine-print notes | Co-brand partner is Europa Neo Marketing Pvt Ltd; app run by Jupiter (Amica Financial Technologies). MITC updated 29 Aug 2026: rent fee 1% min Rs 149; wallet top-up 1%; education 1%; utility 1% above Rs 20,000 or when monthly spends exceed Rs 50,000; fuel transaction fee 1% above Rs 10,000 or beyond Rs 50,000 a month; DCC 1%; no overlimit; cash advance not permitted. Jewels lock and earning pauses if minimum due is unpaid. |
Questions
- What is the annual fee of the Edge+ CSB Bank RuPay Credit Card?
- No annual fee.
- Does the Edge+ CSB Bank RuPay Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Edge+ CSB Bank RuPay Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Edge+ CSB Bank RuPay Credit Card?
- No Jewels on fuel, government, rent, utility bills, wallet / gift / prepaid loads, voucher purchases, cash advances, card fees, EMI, insurance premiums, tax, money transfers, gambling; about 50 MCCs excluded.