Jupiter Edge+ CSB Bank RuPay Credit Card Review
Annual Fees:
Lifetime Free
Benefits:
10% Cashback on Shopping
Best for:
Online Shoppers
Reward Type:
Jewels (5 Jewels = ₹1)
Rating:
Is there any credit card offering 5% Cashback or more on Online Spends?
Still stuck at 5% Cashback? The Jupiter Edge+ CSB Bank RuPay Credit Card is offering 10% cashback on online shopping spends. Not enough? It’s a Lifetime Free Credit Card with a joining fee of just ₹999 (and that too waived off during promotions).
Checkout our complete review post to explore whether the 10% cashback card is just a marketing gimmick or really worth it? Let’s dive in.
About Jupiter App and Edge+ CSB Credit Card
Launched in 2021, Jupiter is a fintech app, providing a common platform for personalized-digital banking (with a zero-balance account), utility payments, financial management and more. Later, Jupiter App has partnered with CSB Bank and launched 2 co-branded credit card variants:
- Jupiter Edge CSB Bank RuPay Credit Card (DISCONTINUED), and
- Jupiter Edge+ CSB Bank RuPay Credit Card.
Both are lifetime-free cards available for signup exclusively through the Jupiter app. In this blog, we will review the Edge+ Card variant as the Jupiter Edge CSB Bank RuPay Credit Card is discontinued and will stop working by 31st January, 2026.
Jupiter Edge+ CSB Card: Fees & Charges
- Joining Fees: ₹999 + GST (Waived off until 31st January, 2026)
- Annual Fees: Lifetime Free
Note: As already shared, the joining fees of ₹999 (plus GST) is completely waived off, if, the user applies and completes the signup process within the promotional period.
Key Features and Benefits
- Welcome Benefit: Apply through any Jupiter Invite Link and Get 1-year Jio Hotstar subscription.
- Joining Fee: It is a Lifetime Free Credit Card but comes with a joining fee of ₹999 (plus GST) that can be waived off during promotional period (till 31st January, 2026).
- Annual Fees: Zero Annual Fee (Lifetime Free Card)
- 10% Cashback: Offers 10% value back up to ₹1,500/month on online shopping category, BUT, with a limit of ₹500/merchant.
- 5% Cashback: Offers 5% value back up to ₹1,000/month on online travel category.
- 1% Cashback: Offers 1% value back up to ₹1,000/month on other online and offline spends (including merchant scan & pay UPI).
- Lounge Access: Offers 1 Domestic Airport Lounge Access per quarter but requires a spend of ₹90,000 in the previous quarter.
- RuPay Network: Jupiter Edge+ CSB Bank Credit Card is issued under the RuPay payment network giving access to Credit Card on UPI.
Disclaimer: The Welcome Benefits for sign-ups via referral (including the Annual JioHotstar subscription and Zero Joining Fee) are promotional offers valid until January 31, 2026, and are subject to change.
Jupiter Edge+ Referral Code: IzeuXB
How to Apply for Jupiter Edge+ CSB Bank Credit Card?
Applying for the Jupiter Edge+ Credit Card is typically a seamless, digital process through the Jupiter app.
Download the App: Download the Jupiter app and set up your account.
Navigate to Credit Cards: Look for the credit card section within the app.
Check Eligibility: The app will guide you through checking your eligibility based on your credit score and other factors.
Complete Application: Follow the on-screen instructions (like PAN & Aadhar Validation, Personal & Occupation Details, Selfie Verification) and then complete the process with Video KYC verification.
Jupiter Edge+ General Eligibility Requirements
- Age over 21
- CIBIL > 700
- Salaried or Self Employed
- Monthly Income > ₹25,000
Personal Experience: For me, the card was approved and the limit was assigned within an hour. It has a super smooth and fast Video KYC Verification. No Physical Verification of home or work place. Virtual Card was activated instantly and the physical card was delivered within 3 days.
How Does the 10% Cashback Work?
The Jupiter Edge Plus CSB Bank Credit Card operates on a three-tier cashback system. Rewards are credited as Jewels (5 Jewels = 1 INR), which can be redeemed for cash, gold, or vouchers.
10% Cashback on Online Shopping Spends
Eligible Brands: Amazon, Flipkart, Myntra, Ajio, Nykaa, Croma, Reliance Digital, Trends, Westside and Tata Cliq.
The Monthly Cap: ₹1,500 total.
The Merchant Cap: Maximum Cashback of ₹500/brand (e.g., if you spend ₹10,000 on Amazon, you only get cashback on the first ₹5,000 spent).
5% Cashback on Online Travel Spends
Eligible Brands: MakeMyTrip, EaseMyTrip, Yatra, and Cleartrip.
The Monthly Cap: ₹1,000 total.
1% Cashback on Other Spends (including UPI)
Eligible Spends: All other online and offline transactions, including UPI “Scan & Pay.”
The Monthly Cap: ₹1,000 total.
Jupiter Edge+ CSB Bank Credit Card Exclusions
Jewels are not awarded for certain merchant categories classified under the following Merchant Category Code (“MCC”) as stipulated by the Bank’s network partners. This list is as follows:
● Fuel spends
● Govt related transactions
● Rent payment transactions
● Utility bill payments (electricity, gas, etc.)
● Wallet loads / gift or prepaid card loads / voucher purchase
● Cash advances
● Payment of Outstanding Balances
● Payment of card fees and other charges
● All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.)
Pro Tips for Maximum Value
Split Your Shopping: Since there is a ₹500 cap per merchant, don’t buy a ₹50,000 laptop through this card instead use it for transactions below ₹5,000 and try to split your shopping across all eligible shopping websites (if possible) to claim that ₹1,500 smartly.
The “UPI Loophole”: Use the Edge+ for your daily UPI spends as it gives 1% Cashback, making it one of those rewarding UPI cards in India.
Avoid Gift Cards: Recent updates suggest that buying Amazon/Flipkart Gift Cards may not trigger the 10% accelerated rate (If you want to try then try with small amounts).
Redemption Strategy: Jewels never expire as long as you use the card once a year. Wait until you have at least 500 Jewels to redeem them for direct cash in your Jupiter account.
Jewels Redemption: Jewels can only be redeemed for Cash if you have a Jupiter Savings Account, otherwise, you can use it for Gift Cards, Bill Payments, Digital Gold and even for Credit Card Bill Payment.
Competitor Comparison: 3 Best Cashback Cards
Final Verdict: Is Jupiter Edge Plus Worth It?
The Jupiter Edge+ CSB Bank RuPay card is a specialized “optimizer” card rather than a “one-card-to-rule-them-all” solution. While the 10% cashback headline is eye-catching, it’s designed for the strategic shopper who spreads their monthly spends across different platforms like Amazon, Myntra, and Flipkart. Because of the ₹500 per-merchant cap, it’s not the best choice for buying a high-end smartphone, but it is arguably the best Lifetime Free card for your monthly “lifestyle” expenses and daily UPI scans. If you are tired of the 1% or 2% rewards on traditional bank cards, this is a massive upgrade for your digital wallet.
Apply If:
You are an Online Shopaholic: You frequently spend up to ₹5,000 monthly across different apps like Myntra, Nykaa, or Amazon.
You want a Premium UPI Card: You want the best possible returns (1%) on your daily “Scan & Pay” transactions at local shops.
You want a “Set it and Forget it” card: Since it’s Lifetime Free, there’s no pressure to hit annual spend milestones to waive fees.
Skip If:
You are a Heavy Spender: If you spend over ₹20,000 on a single platform within a month, the ₹500 merchant cap will frustrate you. The SBI Cashback Card is better for uncapped-merchant spending.
You want International Perks: The 3.5% Forex markup makes this a poor choice for foreign trips or international websites.
You want Easy Lounge Access: The ₹90,000 quarterly spend requirement is quite high for a “lifestyle” card.
Saurabh | Founder & Content Writer at CreditCult.in
For the last 7 years, I’ve been obsessed with the Indian credit ecosystem—testing cards, deconstructing reward programs, and finding the tiny loopholes banks don’t want you to see. I don’t just write about these accounts; I use them daily to ensure the advice I give is backed by real-world results.
Interested in Federal Scapia Credit Card? I would highly recommend you to checkout my personal review blog on Federal Scapia Credit Card and discover everything you should know about it before applying for it.
Jupiter Edge+ FAQs
1. What are the key reward benefits of the Edge+ card?
The Edge+ card offers a high-value tiered cashback structure:
10% Cashback on top shopping brands (Amazon, Flipkart, Myntra, Ajio, Nykaa, etc.).
5% Cashback on travel partners (MakeMyTrip, Yatra, EaseMyTrip, Cleartrip).
1% Cashback on all other online and offline spends, including UPI.
No Annual Fee (Just a Joining Fee of ₹999 and that too waived off during promotions)
2. Is Jupiter Edge+ Credit Card Lifetime Free?
Yes, primarily the Jupiter Edge+ CSB Credit Card has no Annual Fee but they have a joining fee of ₹999+GST (waived off during promotions).
3. What are "Jewels" and how do I redeem them?
Cashback is credited as Jewels. The conversion rate is 5 Jewels = ₹1. You can redeem them directly through the Jupiter app for:
Cash credit to your JUPITER BANK ACCOUNT.
Digital Gold or Brand Vouchers.
- Recharges/Bill Payments
4. Is there a limit (capping) on the cashback I can earn?
Yes. While the 1% cashback is unlimited, the accelerated categories have monthly caps:
Shopping (10%): Capped at ₹1,500 per month (with a sub-cap of ₹500 per merchant).
Travel (5%): Capped at ₹1,000 per month.
5. What are the joining and annual fees?
Joining Fee: Usually ₹999 + GST (though promotional offers often waive this or provide a joining bonus to offset it).
Annual Fee: Zero. The card is Lifetime Free (LTF) with no renewal charges.
6. Is there any signup through referral benefit?
Yes, if you signup through a jupiter edge+ referral then you are eligible for Jio Hotstar Annual Subscription plus Zero Joining Fee.
Offers are promotional and changes time-to-time. (Valid until 31st January, 2026)
