fintech
Edge CSB Bank RuPay Credit Card
Annual Fee
₹1,179₹999 + GSTBase Reward
0.4% cashback
Foreign Markup
3.5% on Each International Transaction
Welcome Benefits
₹250 Voucher from Top Brands
Product Highlights
- Lifetime free credit card
- 2% cashback on selected category
- Cashback awarded as Reward Points
Category Rewards
dining
2% on chosen category (Shopping, Travel, or Dining)
2%
Reward Calculator
Earns ₹21/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹1.2K
direct cashback
₹1.2K
via direct credit
Effective rate
0.77%
Annual fee
₹1,179
Year 1 net
+₹21
Year 2+ net
+₹21
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
2% on chosen category (Shopping, Travel, or Dining)
Headline: 2.00% effective
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
2% Cashback on Any One Selected Category: Shopping, Travel, or Dining. 0.4% Cashback on All Other UPI and Credit Cards Spends.
Redemption
5 Jewels (RPs) = ₹1
Benefits & Features
1% Waiver on Transactions Above ₹400 Upto ₹3,000
Pros & Cons
Pros
- Choose preferred category for 2% cashback
- Cashback on UPI spends through Jupiter app
Cons
- 0.4% cashback on other spends could be higher
Additional Info
Maximum cashback of ₹3,000 (15,000 Reward Points) can be earned in a month.
Excluded Categories
Partner Merchants
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Fees & Charges
Eligibility
Networks