Credit Card EMI Key Fact Statement
Key Fact Statement
Jupiter Edge / Edge+ CSB Bank Credit Card
Key Fact Statement (KFS)
Edge CSB Bank RuPay Credit Card & Edge+ CSB Bank RuPay Credit Card — issued by CSB Bank
Fees and Charges
The list of the charges (exclusive of all applicable GST) are detailed below.
GST and applicable taxes will be levied in addition to the rates mentioned below.
| Type | Description | Unit Fees | Levied On |
| Joining Fee for primary and add-on cardholders | Fee paid at the time of issuance of the ) Edge CSB Bank RuPay Credit Card and Edge+ CSB Bank Rupay Credit Card | (1) Edge CSB Bank RuPay Credit Card - NIL (2) Edge+ CSB Bank Rupay Credit Card - Rs 999 |
One time Fee at the time of joining |
| Annual Membership Fee for primary cardholders | Fee paid to use the) Edge CSB Bank RuPay Credit Card/ Edge+ CSB Bank Rupay Credit Card for one year | Nil | Upon completion of One year from the date of card issuance and annually thereafter. The fee will be added to the bill. |
| Annual Membership Fee for add-on cardholders | Fee paid to use the Edge+- CSB Bank RuPay Bank Credit Card for every year | Nil | - |
| Card Issuance Fee | Fee for issuance of the physical ) Edge CSB Bank RuPay Credit Card /Edge+ CSB Bank Rupay Credit Card | Nil | – |
| Card Replacement Fee | Fee paid in case of replacement of physical ) Edge CSB Bank RuPay Credit Card /Edge+ CSB Bank RuPay Credit Card | ₹249 | At the time of card replacement. The fee is added to the next bill |
| Card Closure Fee | Fee paid for the closure of card account | Nil | – |
| Service charges levied for transactions | Service charges levied for transactions. | Nil | |
| Forex Markup Fee | Fee paid on every international transaction | For Edge CSB Bank RuPay Credit Card and Edge+ CSB Bank Rupay Credit Card - 3.5% on every international transaction. |
At the time of settling an international transaction. The fee and applicable GST is added to the next statement |
| Dynamic Currency Conversion (DCC) Transactions Fee | Fee paid on DCC Transactions | 1.0% on every DCC transaction | |
| Overlimit Fee * | Fee charged if a transaction exceeds your assigned credit limit | Nil Your Edge & Edge+ CSB Bank Card doesn’t allow overlimit transactions |
– |
| Late payment Charge | Fee charged if the minimum amount due (MAD) is not paid by payment due date | 5% of outstanding amount due subject to a minimum of Rs. 250 and a maximum of Rs 2000 | Statement generation date |
| Interest on purchase transactions | Interest charged on purchase transactions if the entire bill amount isn’t paid by payment due date | 3.75% monthly interest rate and 45% annual interest rate on the outstanding amount | Statement generation date |
| EMI Processing Fee | Fee charged on converting an eligible transaction into EMI | Rs. 99 or 1% of the amount converted into EMI, whichever is higher | At the time of availing the EMI facility |
| Interest on EMI transactions | Interest charged on the amount converted into EMI | At the rate communicated to you at the time of EMI conversion, charged on a monthly reducing balance | Statement generation date, over the EMI tenure |
| EMI Foreclosure Charge | Fee charged if an EMI is closed before the completion of the EMI tenure | 3% of the remaining principal amount | On the date the foreclosure request is accepted. The amount is reflected in the next statement |
| Fuel surcharge *** | Surcharge charged on every fuel purchase | Rs. 10 for transactions upto Rs. 400, 1% of transaction value above 400. | At the time of a fuel transaction. The fee is added in the statement |
| Fuel Transaction Fee | Fee charged on Fuel transactions. | 1% of transaction value above Rs 10,000 or monthly spends when higher than Rs 50,000. | |
| GST | GST is applicable on all fees, interest, surcharge and other charges | The GST rate for banking and financial services is at 18% | At the time of the corresponding fee being levied |
| Auto-debit failure fee | Fee charged in case auto-debit for your bill payment fails | Nil | At the time of the corresponding fee being levied |
| Rent payment fee | Fee charged on rent payment transactions | 1% of the transaction amount and a minimum fee of Rs 149 | |
| Wallet transaction fee | Fee charged on wallet top-up transactions | 1% of the transaction amount | |
| Education Fee | Fee charged on Education related transactions | 1% of the transaction amount | |
| Utility Fee | Fee charged on utility payment transactions | 1% of the transaction amount on transactions above Rs 20,000 or if monthly spends are above Rs 50,000 |
** Overlimit - While we do not allow overlimit transactions, in case Cardholder’s credit limit is breached due to a higher amount presented by the merchant at the time of settlement, there will be no charges levied.
*** Users to be eligible for 1% (Maximum Rs.100/-) Fuel Surcharge Waiver upon spend of minimum Rs.400/- and maximum spend of Rs.3,000/- exclusive of GST and other charges.
EMI Facility
Eligible billed and unbilled transactions may be converted into EMIs on the Jupiter App, subject to the Bank deciding your eligibility. The tenure, interest rate, processing fee and foreclosure charge applicable to your EMI will be shown to you before you confirm the conversion, together with the principal and interest components, and are set out in the EMI terms and conditions available at https://jupiter.money/credit-card-emi-terms-and-conditions/.
An EMI cannot be cancelled once it has been booked, but it may be foreclosed at any time before the end of the chosen tenure through the Jupiter App. The foreclosure amount is the sum of the outstanding principal, the interest payable, the foreclosure charge of 3% of the remaining principal amount and applicable taxes, and will be reflected in your next statement. The EMI instalment due for a month forms part of the Minimum Amount Due for that month and cannot be carried forward to the next statement.
Withdrawal Limits
The card variant/limit offered will be as per customer eligibility and as per the sole discretion of the Bank.
Your Credit Limit will be communicated to you at the time of card issuance. These limits will be mentioned in your monthly statements.
Available credit limit is calculated by deducting the utilised limit from the Total Credit Limit. “Available Credit Limit” is the limit up to which you can make purchases.
Billing Statement
Your billing statement will be generated every month and sent to your registered email address and can be accessed in Jupiter App as well(Refer to the MITC or Jupiter App for the exact dates based on your Billing cycle). It will contain a break-up of all fees, purchases, interest charges, repayments, refunds and taxes. In case the card was not used during the billing cycle, the billing statement will mention there were no spends in that month.
Minimum Amount Due
When you receive your Edge+ CSB Bank RuPay Credit Card statement, you can choose to pay the total amount due or the Minimum Amount Due. Minimum Amount Due stated in the monthly statement shall be calculated as per the following formula:
If the minimum amount due is less than Rs. 500, you’ll be charged Rs. 500 as the minimum amount due. If the total amount due is less than Rs. 500, then the total amount due value becomes the minimum amount due.
The Minimum Amount Due should be paid before the Payment Due Date. The remaining balance can be carried forward to subsequent months. Note, that paying the minimum amount due would still incur you finance charges on the unpaid bill amount.
Method of payment
You can pay the outstanding dues from the mobile app using the following modes:
Auto-debit from your bank account
Bank transfer from your bank account
UPI payments (up to Rs. 2 lakh or any other such amounts prescribed from time to time) from any virtual payment account added to the Jupiter App.
Via debit card and net banking through any bank account using a unique payment link sent to you via SMS and email
CSB Bank has the right to add/remove any methods of payment at any time.
Interest-Free (grace) period
Interest-free period, from the start of the billing cycle date, shall be 13 - 47 days (depending on the date of the transaction). However, the interest-free period will not be available if you fail to pay the total amount due of the previous month. The payment due date for the Edge+-CSB Bank RuPay Credit Card comes at least 14 days after the
Statement Generation Date (Please check your statement for your exact Payment Due Date). Therefore, the interest free credit period can range from 13 - 47 days depending on the date of your credit card transaction.
Illustrative Example for Interest-Free Period Calculation
For a statement for the period from May 1, 2025 to May 30, 2025 the payment due date would be Jun 15, 2025. Assuming that you have paid the Total Amount Due of the previous month statement by the payment due date, the grace period would be:
For a purchase dated May 2, 2025, the interest-free grace period is from May 2, 2025 to June 15, 2025, i.e. 45 days.
For a purchase dated May 30, 2025, the interest-free grace period is from May 30, 2025 to June 15, 2025, i.e. 17 days.
Thus, the grace period can vary depending upon the date of purchase.
Note:
If the Total Amount Due is not paid by the payment due date, then there will be no interest free period.
For cash advances, interest is charged from the date of the transaction until the date of payment.
There is an additional three day period (as mandated by the Reserve Bank of India (“RBI”) post the payment due date during which if you make a repayment, it is considered a timely repayment.
Illustration of Interest Charges
Interest will be charged if the Total Amount Due (“TAD”) is not paid by the payment due date. Interest will be charged on the outstanding amount due and on all new transactions (from the transaction date) till such time as the total amount due is paid in full.
Additionally, interest will be levied on all cash advances from the date of the transaction until the date of payment.
The following example shows how interest is calculated. In the table given below, it has been assumed that the TAD of the previous month’s statement has been paid by the payment due date and there is no outstanding amount. The statement generation date is the 1st. Given these assumptions, interest will be calculated as shown:
| Date | Details |
| 2 March, 2025 | Transaction of ₹10,000 |
| 1 April, 2025 | Statement generated Total Amount Due: ₹10,000 Minimum Amount Due: ₹ 500 |
| 15 April, 2025 | Payment due Total Amount Due: ₹10,000 Minimum Amount Due: ₹ 500 |
| 21 April 2025 | Payment of ₹2000 made |
| 22 April, 2025 | Transaction of ₹1000 |
On statement dated 1 May 2025 , the following interest charges will be levied. Interest is calculated using the following formula:
| Outstanding transaction amount * Number of days since transaction * (Interest rate x 12 months) / 365 |
| Details | Reason | Amount | Calculation |
| Interest on ₹10,000 for 50 days (from Mar 2 to Apr 20) | Interest on entire transaction amount from transaction date till the date of payment | ₹616.44 | (10000 x 50 x (3.75% x12)) / 365 |
| Interest on ₹8,000 for 10 days (from Apr 21 to Apr 30) | Interest on outstanding transaction amount from the date of payment till the next statement date | ₹98.63 | (8000 x 10 x (3.75% x 12)) / 365 |
| Interest on ₹1,000 for 9 days (from Apr 22 to Apr 30) | Since TAD has not been paid, interest free period doesn’t apply on this transaction. Interest on entire transaction amount till the next statement date | ₹11.09 | (1000 x 9 x (3.75% x 12)) / 365 |
| Total Interest Payable | Sum of all the above charges | ₹726.16 | (₹616.44+₹98.63+₹11.09) |
| GST is applicable on interest charges | GST is applicable on all fees, interest, surcharge and other charges | ₹130.71 | 18% x ₹726.16 |
| Total Payable (Interest + GST) | ₹856.87 | ₹726.16 + ₹130.71 |
Note: These illustrations are meant to be indicative and to show how interest is calculated and charged.
Billing disputes resolution
In the event the Card Member disagrees with the charges indicated in the statement, it should be communicated to Bank by calling Customer Care on +91 86550 55086 or writing an E mail within 30 days of receipt of the statement, failing which it would be construed that all charges indicated in the statement are accepted by you.
Complete postal address of Card-Issuer:
CSB Bank Ltd., CSB Bhavan, P.O Box No. 502, St. Mary's College Road, Thrissur - 680 020, Kerala, India
Customer Care Numbers &Grievance Resolution Procedures
In the event that you are not satisfied with our services, you may register your grievance by any one of the methods given below.
Call our Customer Care number at +08-045219280
Write to us at Edge-csb-support@jupiter.money
Beyond this level, you can reach out to the bank on csb.grievance@jupiter.money
CSB Bank Customer care contact number – 18002669090; Email id - customercare@csb.co.in
If you are not satisfied with the above, you may escalate the matter to Mr. Sandeep Raj at csb.nodal@jupiter.money. Postal Address: Bldg No, 1412, 14th Main Rd, Sector 3, HSR Layout, Bengaluru, Karnataka 560102
If you are not satisfied with the above, you may escalate the matter to Ms. M Sreelatha - Principal Nodal Officer for Customer Grievances, CSB Bank Limited, Address: Head Office, CSB Bhavan, St. Marys's College Road, Thrissur - 680020 Kerala, Ph - 04872333020, Email - pno@csb.co.in
In all your communications with us, please indicate your complete registered mobile number and the last 4 digits of your Credit Card number.
If the issue remains unresolved beyond 30 days even after reaching out to the above channels, or if the response is unsatisfactory, you may write to the Banking Ombudsman for an independent review. Details of the Banking Ombudsman Scheme are available on the Reserve Bank of India (RBI) website at https://www.rbi.org.in/.