M16S / CSB Bank / Edge CSB Bank RuPay Credit Card
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Edge CSB Bank RuPay Credit Card
The Edge CSB Bank RuPay Credit Card charges no annual fee and no joining fee. Its base return is 0.4% (2% Jewels on all eligible spends (2 Jewels per Rs 100)). Accelerated earn: 10% Jewels on one chosen category (shopping, travel or dining), changeable every 3 billing cycles. 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
- 0.4%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- Edge CSB Bank RuPay card moves to 2% on one chosen category plus 0.4% base, Mar 2024
From 27 March 2024 the Edge CSB Bank RuPay card earns 2% cashback on one category the user picks (Travel, Food or Shopping) and 0.4% on all other spends, capped at Rs 3,000 (15,000 Jewels) per billing cycle. 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 | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Joining and annual fee nil. Replacement card Rs 249. |
Rewards
| Welcome benefit | Rs 250 brand voucher after first UPI credit card transaction of Rs 2,000 or more on the Jupiter app. |
|---|---|
| Reward currency | Jewels |
| Base earn | 2% Jewels on all eligible spends (2 Jewels per Rs 100) |
| Base return | 0.4% |
| 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 | 10% Jewels on one chosen category (shopping, travel or dining), changeable every 3 billing cycles |
| Caps | 15,000 Jewels per billing cycle |
| 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 = 2 Jewels / Rs 100 x Rs 0.20 (0.28% if taken as cash). Chosen category works out to 2% (1.4% as cash). Jupiter's page is inconsistent on the UPI rate (FAQ says 10% Jewels on Jupiter UPI). |
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 with good credit score; applied for only in the Jupiter app. |
| 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. Jupiter's Edge page carries a 'Limited access - move to Jupiter' banner and Jupiter now leads with Edge+; whether plain Edge is still issued to new applicants is not confirmed. |
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.