Most Important Terms and Conditions (MITC)

Edge CSB Bank Credit Card & Edge+ CSB Bank RuPay Credit Card — issued by CSB Bank

These Most Important Terms and Conditions (“MITC”) apply to the Edge CSB Bank Credit Card and Edge+ CSB Bank Rupay issued by CSB Bank Limited (Bank) in partnership with its co-branding partner Europa Neo Marketing Private Limited (formerly known as Amica Neo Marketing Private Limited) (“ENMPL”).

Cardholders can activate the Edge CSB Bank Credit Card and Edge+ CSB Bank Rupay exclusively on the Jupiter Mobile App (owned by Amica Financial Technologies Private Limited (“Jupiter”) or clicking on ‘Submit’ or ‘I Agree’ or any similar tab/icon would mean acceptance of the MITC by the cardholder/Cardholder/user/you (“Cardholder”).

The MITCs are in addition to and are to be read along with the detailed Terms and Conditions and are subject to change at the discretion of the Bank and in accordance with laws applicable from time to time. An updated version will always be available on the Bank’s web page and in the Jupiter App.

Schedule of Fees and Charges

The following charges are at the sole discretion of the Bank and can be changed at any time after giving one month’s notice.

Here is a list of all charges (exclusive of all applicable GST):

GST and applicable taxes shall be applicable, 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 Credit Card and Edge+ CSB Bank Rupay	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 and Edge+ CSB Bank Rupay for one year	Nil	On 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 credit card/Edge+ CSB Bank Rupay	Nil	-
Card Issuance Fee	Fee for issuance of the physical Edge CSB Bank Credit Card and Edge+ CSB BankRupay	Nil	–
Card Replacement Fee	Fee paid in case of replacement of physical Edge CSB Bank Credit Card and Edge+ CSB Bank Rupay.	₹ 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 are 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 CSB Bank Credit Card and Edge+ CSB Bank Rupay doesn’t allow overlimit transactions	–
Late payment Fee	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 up to 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	–
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 made on third party websites or mobile apps.	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

**Fuel and other specified Merchant Category Code (MCC) - Transactions may attract transaction fees or surcharges levied by the acquiring bank or merchant. The Bank has limited control over such charges since the final settlement is processed based on the settlement file received from the card network. At the time of authorization, the Cardholder authenticates only the base transaction amount through PIN/OTP, as applicable. During settlement, any applicable surcharge, fees and taxes may be added in accordance with card network processes and applicable regulations and the same would be debited from Your Credit Card .

** Overlimit - While we do not generally 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.

TDS wherever applicable shall be deducted for the customer as per the rates notified by the government from time to time.

Late Payment Fee:

Late payment Fee will be applicable if the Minimum Amount Due (“MAD”) is not paid by the payment due date.

Illustrative example for calculation of Late Payment Fee:

In the example below, consider the billing cycle is 1st of the calendar month - end of the month. Statements are generated on the 1st and are due on the 15th of every month. There is no principal outstanding at the start of the following cycle.

Date	Details
2 March, 2025	Transaction of ₹10,000
1 April, 2025	Statement generated. Principal Amount Due: ₹10,000 Minimum Amount Due: ₹500
15 April, 2025	Payment due Principal Amount Due: ₹10,000 Minimum Amount Due: ₹500
21 April, 2025	Payment of ₹2,000 made
1 May, 2025	Late payment fee of ₹500 applied
1 May, 2025	GST of ₹90 on the Late Payment Fee added to bill

Interest Charges:

1. Interest will be charged if the Total Amount Due (“TAD”) is not paid by the payment due date. Interest will be charged on the principal outstanding amount due and on all new transactions (from the transaction date) till such time as the total amount due is paid in full.

2. The following example shows how interest is calculated. In the table given below, it has been assumed that the Total Amount Due (“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. Principal Amount Due: ₹10,000 Minimum Amount Due: ₹500
15 April, 2025	Payment due Principal Amount Due: ₹10,000 Minimum Amount Due: ₹500
21 April, 2025	Payment of ₹2,000 made
22 April, 2025	Transaction of ₹1,000

4. On statement dated 1 May 2025, the following interest charges will be levied. Interest is calculated using the following formula:

Principal 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.

Cash Advance

Cardholders cannot use the Edge CSB Bank Credit Card and Edge+ CSB Bank CreditCard to withdraw cash from ATMs in India and/or overseas.

Interest Free Period

The interest free period could range from 13 to 47 days.

Example for the calculation of interest free period: For a statement for the period from May 1^st, 2025 to May 31, 2025 the payment due date would be Jun 15, 2025. Assuming that the cardholder has paid the Total Amount Due of the previous month statement by the payment due date, the grace period would be:

1. 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.

2. For a purchase dated May 30, 2024, 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 India “RBI”) post the payment due date during which if the Cardholder makes a payment, they will not be charged late payment or interest charges.

EMI Facility

Eligible billed and unbilled transactions may be converted into equated monthly installments ("EMI") on the Jupiter App. The Bank decides whether a transaction and a Cardholder are eligible for the EMI facility. The EMI facility is governed by the EMI terms and conditions available at https://jupiter.money/credit-card-emi-terms-and-conditions/, which are to be read along with this MITC.

Before the Cardholder confirms a conversion, the Jupiter App will display the tenure, the applicable rate of interest, the processing fee and the foreclosure charge, along with the principal and interest components of each installment and any upfront discount offered by the merchant or the Bank. The principal and interest components will also be shown separately in the monthly statement. The processing fee is Rs. 99 or 1% of the amount converted into EMI, whichever is higher. Interest is charged at the rate communicated at the time of EMI conversion, on a monthly reducing balance. GST and applicable taxes are payable in addition on the processing fee, the interest and the foreclosure charge.

An EMI cannot be cancelled once it has been booked. The Cardholder may foreclose an EMI at any time before the end of the chosen tenure through the Jupiter App. A foreclosure charge of 3% of the remaining principal amount applies, and the foreclosure amount payable is the sum of the outstanding principal, the interest payable, the foreclosure charge and applicable taxes, which will be reflected in the 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.

Forex Markup Fee

If a transaction is made in a currency other than Indian Rupees, that transaction will be converted into Indian Rupees.

For any transaction made in a foreign currency, whether online or at a point-of-sale, the Bank will apply a Forex Mark-up on the transaction amount. The conversion to Indian Rupees will be based on the exchange rates provided by VISA, RuPay, or MasterCard as applicable on the settlement date.

If this transaction is reversed, both the markup fee and GST charges will be refunded. In case of a refund, however, only the transaction amount will be refunded in INR as per the conversion rate applicable on the date of refund.

A forex markup fee will also be levied in case of an Indian Rupee (INR) transaction done at a merchant or payment gateway that is based out of India.

Credit Limit

The card variant/limit offered will be as per customer eligibility and as per the sole discretion of the Bank.

Cardholder’s Credit Limit will be communicated to them at the time of card issuance. This will also be mentioned in the monthly statements. Available credit limit is calculated by deducting the utilized limit from the Total Credit Limit. “Available Credit Limit” is the limit up to which a cardholder can make purchases.

CSB Bank also reserves the right to recommend a Credit Limit increase to the Cardholders based on their Edge CSB Bank Credit Card and Edge+ CSB Bank Rupay Credit Card usage, in the Jupiter app. This recommendation and its associated terms and conditions will be made available for the Cardholder to consider before accepting the recommendation.
Once the Cardholder has read and agrees to the Terms related to Credit Limit increase displayed inside the Jupiter app and provided their consent to increase the limit, their Credit Limit will be enhanced. Cardholder’s acceptance of the limit increase recommendation where they specifically validate the limit increase and agree to the terms will be treated as a consent. The Bank or its authorized third party service provider, will keep the digital records of such consent and will treat it as proof of consent in case of any dispute arising later on account of limit increase.

CSB Bank will review the Cardholder’s account periodically and reserve the right to decrease their credit limit based on their transaction patterns, payment behavior and other internal criteria. This will be informed to the Cardholder via the Jupiter app and/or via email and SMS.

Billing

1. Payment Schedule

The billing cycles have been illustrated based on examples below-

Cycle Duration	Statement Generation Date	Payment Due Date	3 Day Grace Period	Date from when interest shall be levied	Late Payment Fee
7^th May - 6^th Jun	6^th Jun	21^st Jun	22^nd to 24^th Jun	22^nd Jun	Levied in next statement if minimum amount due is not paid by 24th of Jun (11:59 PM)
17^th May to 16^th Jun	16^th Jun	1^st Jul	2^nd to 4^th Jul	2^nd Jul	Levied in next statement if minimum amount due is not paid by 4th Jul (11:59 PM)
27^th May to 26^th Jun	26^th Jun	11^th Jul	12^th to 14^th Jul	12^th Jul	Levied in next statement if minimum amount due is not paid by 14th Jul (11:59 PM)

2. Billing statements

The Cardholder’s billing statement will be generated every month and will be sent to the registered E mail ID and can be accessed in Jupiter App as well. It will contain a break-up of all purchases, payments, fees, interest charges, refunds and taxes.

In case the card was not used in a month, the statement will mention there were no spends in that month. Jupiter App also has an option to view and download the statement in PDF format. The Cardholder will also be sent a PDF copy of their monthly statement to their registered email address. The Cardholder shall, however, review the statement from time to time on Jupiter app in order to stay updated on the statement.

Only settled transactions will be included in the monthly statement. In case a transaction done in a particular cycle has not been settled by the time of statement generation, it will be included in the next cycle. As per the Network Partner guidelines, merchants are given up to a maximum of 10 days to settle domestic transactions and 15 days to settle international transactions.

In case a transaction is not settled in this timeframe, the transaction amount will be refunded to the Cardholder. After this, in case of late presentment of the transaction for up to 45 days from date of transaction, they can be charged again and their available limit reduced accordingly.

Any transactions on which a dispute has been raised, will not be included in the monthly statement.

3. Minimum Amount Due

The Cardholder will need to pay at least the Minimum Amount Due by the Payment Due Date as indicated in the monthly statement. If they have paid the Minimum Amount Due, they will be liable to pay interest only on the outstanding amount and can continue to earn and redeem rewards.

Minimum Amount Due stated in the monthly statement shall be calculated as per the following formula:

All Outstanding EMI Instalment (Principal + Interest + Taxes+ Processing fee if any) due for the Month/Billing Cycle

+100% of Interest

+100 % of Charges/Fees

+100% of Govt. taxes

+2 % of Fresh Principal Outstanding

+Entire Un-Paid Minimum Amount Due of previous cycles

If the minimum amount due is less than ₹500, the Cardholder will be charged ₹500 as the minimum amount due. If the total amount due is less than ₹500 then the total amount due value becomes the minimum amount due.

Note- Making only the minimum payment every month would result in the repayment stretching over months / years with consequential compounded interest payment on your outstanding balance.

4. Payment knock-off order:

When the Cardholder makes a payment, it is adjusted in this order:

- Taxes

- Fees

- Interest

- Purchases

Furthermore, purchase amounts are knocked off starting with the earliest transaction date.

5. How Refunds/Reversals/Waivers/Chargebacks impact the statement

The Cardholder must pay for the transactions billed in the Edge CSB Bank credit card/ Edge+ CSB Bank Rupay statement to avoid any additional charges being levied. However, if they receive any incoming transactions (refunds, reversals, waivers or chargebacks) before having cleared the bill, these transactions will first offset the total amount due on the last statement.

If there is no billed amount due, this amount will be adjusted against their current outstanding. If there are no outstanding dues on the card, we will adjust incoming transactions only up to Rs. 5000 or 1% of the Cardholder’s Credit Limit (whichever is lower), and any excess balance will be refunded to their specified bank account.

6. Method of payment

The Cardholder can pay the outstanding dues from the Jupiter app using the following modes:
- Auto debit to your Bank account

- Bank transfer from their bank account on Jupiter App or other Registered Bank Account.
- UPI payments (up to ₹2 lakh) from any Bank Account added to the Jupiter UPI App.
- Via debit card and net banking of any bank account using a unique payment link sent to the Cardholder via SMS and email.

- CSB Bank has the right to add/remove any methods of payment at any time.

7. Billing disputes resolution

All the contents of the statement will be deemed to be correct and accepted if the Cardholder does not inform us of any discrepancies within 30 days of the statement’s generation date. In the event of billing disputes/discrepancies, we shall investigate and confirm the liability for such transactions.

For any disputes which result in a chargeback being raised, we may offer a temporary credit during the period of investigation, which may be reversed along with applicable charges subject to outcome of the investigation.

Any GST levied will not be reversed in any dispute on fees and charges or interest.

8. Contacting us in case of a billing dispute

In case the Cardholder needs any help, they can:

Click on the Help button on the Jupiter app and use the chat support to get a resolution

Call our Customer Care number at +08-045219280

Email us at Edge-csb-support@jupiter.money

If you are not satisfied with the above, you may escalate the matter to Mr. Sumit Kumar at csb.nodal@jupiter.money. Postal Address: Bldg No, 1412, 14th Main Rd, Sector 3, HSR Layout, Bengaluru, Karnataka 560102

In all your communications with us, please indicate your complete registered mobile number and last 6 digit of your Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card number.

In all communications with us, please indicate the complete registered mobile number and the last 6 digits of your Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card number.

Refund of credit balance/excess amount

In case there is a credit balance/excess amount lying in the Cardholder’s Edge CSB Bank credit card /Edge+ CSB Bank Rupay account due to an additional payment or a reversal/refund, this amount will be refunded (without any applicable interest) to them as long as all their outstanding dues are cleared. The following procedure will be followed:

a. If the Cardholder has a partner bank account on the Jupiter app, the excess credit balance will be automatically transferred to that account

b. If the Cardholder has opted for the Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card but does not have a partner bank account on the Jupiter platform, they will need to enter their bank account details on the Jupiter app. This account must be active and the Cardholder must be the primary account holder. We will deposit Re. 1 into that account to verify the bank account details.

Few things to remember:

In case the Cardholder has no outstanding dues and if they received an incoming transaction of greater than ₹5000 or 1% of their Credit Limit (whichever is lower), this amount will be transferred to their respective account within 3 working days. This is applicable for both active and blocked cards.
If the Cardholder does have any outstanding dues, any refunds, reversals, waivers or chargebacks will be adjusted in the manner stipulated under clause 9. This is applicable for both active and blocked cards.

If the Cardholder’s Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card account has been closed, they can still provide their bank account details on the Jupiter App. Any excess balance or credit amount will be transferred to that bank account within 7-10 working days from the date of such request. If they have an existing partner bank account on the Jupiter app, this amount will be transferred directly to that account in the same timeframe. In case there is no access to the Jupiter app, they can share a cancelled cheque or provide their bank account details by emailing us at Edge-csb-support@jupiter.money.
In case of an active card or blocked card, any excess credit resulting from excess payment will be reversed if a request for the same is placed with Jupiter. This reversal will be done within 7 working days from the date of such request into the respective bank account. No interest will be payable on any credit balance/excess amount lying in the Cardholder’s Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card account.

Grievance Redressal and Compensation Framework

In the event that you are not satisfied with our services, you may register your grievance by
1.Call our Customer Care number at +08-045219280
2. Write to us at Edge-csb-support@jupiter.money
3. Beyond this level, you can reach out to the bank on csb.grievance@jupiter.money

4. CSB Bank Customer care contact number – 18002669090; Email id - customercare@csb.co.in
5. If you are not satisfied with the above, you may escalate the matter by writing to:

Level 1: Mr. Sumit KumarSandeep Raj csb.nodal@jupiter.money Postal Address: Bldg No, 1412, 14th Main Rd, Sector 3, HSR Layout, Bengaluru, Karnataka 560102

Level 2: Ms. M Sreelatha, Principal - Nodal Officer for Customer Grievances, CSB Bank Head Office, CSB Bhavan, St Mary’s College Road, Thrissur – 680020 Kerala.
In all your communications with us, please indicate your complete registered mobile number and last 6 digits of your Edge CSB Bank Credit Card/Edge+ CSB Bank Rupay 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 RBI website at https://www.rbi.org.in/.

In the event of any credit card transaction being disputed by the Cardholder, the said dispute will be referred to the merchant establishment through the acquirer bank and will be handled as per the chargeback rules laid down by card networks (Visa/Mastercard/Diners/Rupay).

ii) Below compensation framework will be followed in case of delay in resolving:

Sr. No	Incident description	Compensation Payable
	Card closure request subject to no pending dues to be cleared	Rs. 500 + GST per day of delay, beyond T+7 days
	Point of Sale / CNP Transaction debited from account but not settled by the merchant	Rs. 100 + GST per day of delay, beyond T+5 days for domestic and T+7 days for international

iii) Contact details of the card-issuer are as follows:
CSB Bank Customer care contact number – 18002669090;

Email id - customercare@csb.co.in

Default and Circumstances

In the event the Cardholder fails to make the payment of Minimum Amount Due by the due date, interest shall be levied as per the rates mentioned above and the Cardholder shall not be entitled to redeem any Jewels and further earnings of the Jewels shall be stopped from the date of end of the three-day grace period.

Procedure including notice period for reporting a Cardholder as defaulter.

In the event of default, the Cardholder will be sent reminders from time to time for settlement of any outstanding amount on the Credit Card account using any of the following modes: by post, telephone, e-mail, SMS messaging and/or engaging third parties to remind, follow up and collect dues. Any third party so appointed shall adhere fully to the Code of Conduct on debt collection as applicable from time to time. Occurrence of one or more of the following events shall constitute an event of default and CSB Bank at its sole discretion may withdraw the Credit Card facility:

a.The Cardholder fails to pay any amount due to the Bank within the due date;

b.The Cardholder fails to perform the obligations as per Cardholder Terms;

Any NACH/standing instructions are not encashed/acted upon for any reason whatsoever on presentation / being made

c.Any representation made by the Cardholder proves to be incorrect, false, or incomplete, including but not limited to income and/or identification papers/documents forwarded to the Bank being proved incorrect, incomplete, and / or containing false or fraudulent information.

Withdrawal of default report and the period within which the default report would be withdrawn after settlement of dues:, shall be carried out under the following circumstances.

a.The defaulter in question has liquidated his entire outstanding dues with the Bank or settled his dues with the Bank.

b.A court verdict has been received against the Bank, in a legal suit filed by or against the Bank, instructing the Bank to de-list the Cardholder from the default report. Decisions are taken on a case-to-case basis upon individual reviews.

Recovery procedure in case of default:

In case of default, the Bank can recover the amount by referring the dispute to a sole arbitrator, mutually appointed under the provisions of the Arbitration and Conciliation Act, 1996 as amended from time to time. The seat of arbitration shall be Mumbai, India. The arbitration proceedings shall be in English Language

Termination/Revocation/Surrender of Card membership

Procedure for surrender of card by Cardholder

a.The Cardholder can close their Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card account any time from the Jupiter app by navigating to the Edge CSB Bank Credit Card/ Edge+ CSB Bank Credit Card settings or by calling, emailing or initiating a chat with the customer support team. The entire card outstanding dues and loans / EMI facilities linked to their Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card (if applicable and/or availed of) will have to be cleared before submitting the card closure request.

b.Any refund/reversal that is received after the card closure will be intimated to the Cardholder and refunded electronically to the respective account i.e. the partner bank account opened on Jupiter App, or any other account specified by the Cardholder on the Jupiter App.

c.Upon termination/revocation of Edge CSB Bank Credit Card/ Edge+ CSB Bank Rupay Credit Card holder ship for any reason whatsoever, whether at the instance of the Cardholder or the Bank, the Cardholder shall remain liable for all charges incurred using the Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card.

d.The Cardholder specifically acknowledges that once their Edge CSB Bank Credit Card/Edge+ CSB Bank Rupay Credit Card account is closed, the privileges (including but not limited to all benefits and services accrued, Jewels not redeemed etc.) of the Edge CSB Bank Credit Card/Edge+ CSB Bank Rupay Credit Card stand nullified. Reinstatement of the same is neither automatic nor attendant and will take place solely at the discretion of the Bank.

e.For avoiding misuse, it is advised to destroy the Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card ensuring that the hologram, magnetic strip and chip are destroyed permanently.

f.The Cardholder’s Edge CSB Bank credit card/ Edge+ CSB Bank Rupay Credit Card account will be closed only if the Bank receives the payment of all amounts due and outstanding in respect of the said Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card account.

Procedure for revocation of Cardholder ship :

The Cardholder’s access to their Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card may be cancelled or revoked at any time without prior notice, if we consider it necessary for business or security reasons, which may include but are not limited to:

a.Delayed or dishonored payments, improper use of credit card (in violation of RBI and Foreign Exchange rules). Misleading or incorrect information / documents given along with card application.

b.Failure to furnish information or documents as required under the Know Your Customer (KYC)/ Anti Money Laundering (AML)/ Combating the Financing of Terrorism (CFT) guidelines.

c.Involvement in any civil litigation or criminal offence / proceedings by any authority, court of law or professional body or association.

d.Changes in credit policy due to prevailing conditions / unforeseen circumstances. The Cardholder may continue to get their Edge CSB Bank credit card/Edge+- CSB Bank Credit Card statements with actual outstanding, even after closure of the card account.

e.In case the Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card has not been used for more than one year then we will notify the Cardholder of the dormancy within 30 days from the dormancy date. If the card is still not used or no reply is received for the continuation of Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card will be closed and reported to the bureau, subject to payment of all dues by the Cardholder.

Loss, theft or misuse of Card

Procedure to be followed in case of loss/theft/misuse of Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card: -

a. In case the Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card is lost, stolen, misplaced, or if the credit card PIN has been compromised, customers are advised to use immediate/live channels such as the Contact Centre, IVR, Chat support, or the card blocking facility available on the Jupiter Application for urgent requests such as card blocking or hot listing.

b. Card blocking requests received through email may take up to 48 hours to process. Customers should therefore use the above-mentioned live channels for immediate blocking of their card.

c.If the Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card are misplaced, the Cardholder can freeze the card temporarily from the Jupiter App.

d.If the Edge CSB Bank CreditCard/Edge+ CSB Bank Credit Card are lost or stolen, the cardholder can block the Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card from the Jupiter app and place a request to reissue their Credit card. The Cardholder can also reset the Edge CSB Bank credit card /Edge+ CSB Bank Rupay Credit Card PIN from the Jupiter app. The Cardmember shall not be able to use the blocked Card for any transaction/s until the Cardmember receives a replacement Credit Card.

e.In case the mobile phone with the Jupiter App is lost or stolen, inform us immediately by calling +08-045219280. Please also report the theft of the Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card or phone to the police by lodging a First Information Report (FIR) and share a copy of that with us when requested.

f.The Card Member shall not be liable for any transaction/s made on the Card post the Cardholder reporting the loss/theft/damage. However, in case of any dispute relating to the time of reporting such loss/ theft/damage and/or transactions made on the Card post reporting of the loss/theft/damage/ misuse, the Bank reserves the right to ascertain such time and / or the authenticity of the disputed transactions.

Liability: Your liability in case of any of the above-mentioned scenarios would be as follows:

a.Zero liability where the unauthorized transactions occur in the following events:

i)Contributory fraud/negligence/deficiency on part of the Bank

ii)Third Party breach where the deficiency lies elsewhere in the system and you notify the Bank (including its outsourced service providers) within 3 working days of receiving the communication from the Bank (or any of its outsourced service providers) regarding the unauthorized transaction.

b.You shall be liable for the loss occurring due to unauthorized transactions in the following cases:

i)In cases where the loss is due to your negligence such as where you have shared the payment credentials, you will bear the entire loss until you report the unauthorized transaction to the Bank (or any of its outsourced service providers). Any loss occurring after the reporting of the unauthorized transaction shall be borne by the Bank.

ii)In cases where the responsibility of the unauthorized electronic banking transaction lies neither with the Bank nor You, but lies elsewhere in the system and when there is a delay of 4-7 working days after receiving communication from the Bank (or any of its outsourced service providers) on your part in notifying the Bank of such a transaction, your per transaction liability shall be limited to the transaction value or the amount whichever is lower as mentioned in the table below (as per RBI)-

Maximum Liability of the Customer
Reporting time of fraudulent transactions from date of receiving communication	Card Member Liability
Within 3 working days	Zero
Between 4-7 working days	If credit card limit <= ₹5,00,000, Max liability <= ₹10,000 If credit card limit >= ₹5,00,000, Max liability <= ₹25,000

iii) Further, if the delay in reporting by You is beyond 7 working days, your liability shall be determined as per the Bank’s board approved policy.

Credit Information / Bureau Check:

1. By accepting these Terms and Conditions and availing of the Card, the Customer expressly authorizes and consents to the Bank accessing, obtaining, and retrieving the Customer’s credit information, credit history, and credit report (including hard pull enquiries) from the Credit Information Bureau (India) Limited (“CIBIL”) and/or any other credit information company or bureau authorized under applicable law, at any time, from time to time, and on an ongoing basis

2. This right may be exercised by the Bank at any stage of the Customer’s relationship with the Bank, including but not limited to during the application/onboarding process, post-approval and card issuance, and throughout the tenure of the Cardholder relationship, for the purpose of assessing, reviewing, and monitoring the Customer’s creditworthiness and credit risk on a periodic or ad-hoc basis.

3. The consent provided by the Customer at the time of onboarding/application shall be deemed sufficient and continuing authorization for the Bank to undertake such bureau checks as and when required, and no separate or additional consent shall be required from the Customer for each subsequent instance of such credit information retrieval, unless otherwise mandated by applicable law or regulatory guidelines.

Disclosures

a.CSB Bank has tied up with Credit Information Companies (CICs) authorised by the RBI and will share credit information including but not limited to the current balance, loans / EMI facilities linked to Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card (if availed), balance outstanding on Edge CSB Bank credit card/Edge+ CSB Bank Rupay Credit Card/loan, payment history etc., along with the demographic details with these organisations on a monthly basis, as per the Credit Information Companies (Regulation) Act, 2005. The CICs only provide factual credit information and do not provide any opinion, indication or comment pertaining to whether credit should or should not be granted. It is in the best interest of the Cardholder to maintain a good credit history by paying the necessary dues in a timely manner. Details of default would also be available with the CICs, which in turn could impact your credit worthiness.

b.CSB Bank reserves the right to report a delinquent customer to the CICs even in an instance of Cardholder raising a billing dispute which the Bank and/or its authorised service provider had clarified as an invalid dispute earlier or the dispute being raised by Cardholder after the cut-off date i.e. 30 days from the date of statement generation, and/or the dispute is in relation to secured transactions where a PIN or a One Time Password was used. The following steps will be followed in the reporting of delinquent customers to CICs

i)Bank will report delinquent users to CICs within 15 days of the user turning delinquent

ii)You will be notified by SMS and email 7 days prior to being reported to CICs

iii)If you settle the required dues after being reported, Bank shall update the status within 30 days from the date of settlement of dues iv) In case there is a dispute under investigation, you will be reported only after the settlement of the dispute, if required.

c.CSB Bank and/or its authorised third party service providers will provide the particulars of the card account to the statutory authorities, as may be required. The Bank and/or it’s representative authorised by the Bank will share the necessary information including but not limited to that which is required for execution of the rewards programs, portfolio statistical analysis, etc., will be provided to Jupiter, in each case in accordance with applicable laws.

d.You should also know that CSB Bank or its service provider , at its own discretion, records specific conversations between the Cardholder and any representative of the Bank, in cases of support or grievance-related conversations or payments-recovery-related conversations or any other conversations, that the Bank may deem fit.

e.CSB Bank also reserves the right to assign any activities related to the credit card operations to any service provider appointed by the Bank, whether located in India or overseas and whether a Bank or a third party, at its sole discretion, in accordance with the applicable regulatory guidelines. CSB Bank can provide/share details of Cardholder application to such service providers for any activities related to the credit card operations without any specific consent. Bank or its authorised service provider authorised by the Bank reserves the right to retain the application forms and documents provided therewith, including photographs, and will not return the same.

f. From time to time CSB Bank and/or Jupiter authorised by the Bank communicates various products/features/promotional offers which offer significant benefits to its Cardholders and may use the services of third party agencies to do so. If the Cardholder does not wish to receive any direct marketing, SMS, Emails or telephone calls from the Bank for such services, the Cardholders may email us at edge-csb-support@jupiter.money

The Cardholders will continue to receive communication pertaining to the core features of the credit card.

g.CSB Bank Credit Card cannot be used for the purchase of prohibited items such as lottery tickets, banned or proscribed magazines, participation in sweepstakes, payment for call back services, and / or such items / activities for which no drawal of foreign exchange is permitted. Usage of the CSB Bank Credit Card for transacting outside India must be made in accordance with applicable law, including the Exchange Control Regulations of the RBI and the Foreign Exchange Management Act, 1999, and in the event of any failure to do so, you may be liable for penal action.

h.Foreign exchange trading through internet trading portals is not permitted. In the event of any violations or failure to comply, Cardholders may be liable for penal action and /or closure of card.

i. Parties agree that any disputes in respect of any issues arising out of Terms and/or card usage, shall be referred to the non- exclusive jurisdiction of courts in Mumbai, India and shall be governed by and construed in accordance with the laws of India. The Cardholder further acknowledges that CSB Bank, Customer, shall appoint to refer the dispute to a sole arbitrator, in accordance with the provisions of the Arbitration and Conciliation Act, 1996 as may be amended, or its re-enactment. The arbitration proceeding shall be conducted in English language. The award passed by the arbitrator shall be final and binding on the parties. The arbitration proceedings shall be held at Mumbai or such other place as may be notified at the sole discretion of the Bank . The seat of arbitration shall be Mumbai. The Arbitration proceedings may also be held through video conference. To attend any hearing ordered by the tribunal, the following shall apply:

a.Any such hearing shall be held via video conference upon the order of the tribunal;

b.The parties agree that no objection shall be taken to the decision, order or award of the tribunal following any such hearing on the basis that the hearing was held by video conference.

j.The Cardholder agrees that if at any time it is discovered that there are any amounts due to the Bank against any credit facility, then the Bank shall have the absolute right to hold the No objection certificate (NOC) against any/all such facilities, without any prior notice.

k.Bank and its respective employees, agents or contractors shall not be liable for, and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to the loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the user or any person, howsoever, arising from or relating to any delay, interruption, suspension, resolution or error of the Bank in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the user and the network of any service provider and the Bank's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the user, the Bank's system or the network of any service provider and / or any third party who provides such services as is necessary to provide the facility.

l. The card member agrees and confirms that if a third party or the Bank mistakenly, accidentally, or erroneously transfers any money to the credit card account, and if the Bank, on a dispute raised by the third party or another bank, determines that the money is not due or payable to the card member, then the card member is obligated to return and repay the money to the Bank or such third party or to other bank without delay, demur, or protest. This repayment must occur immediately and no later than one business day after the transfer or remission, or upon the Bank’s first demand, whichever comes first, in a manner satisfactory to the Bank. Additionally, the Bank holds the right to reverse the mistakenly, accidentally, fraudulently or erroneously transferred funds or debit credit card account or any account(s) the card member maintains with the Bank.

m. With a view to ensure that the Credit Card is being used as per the regulatory guidelines, Terms and Conditions and applicable policies of the Bank, Bank shall have a right to run periodic checks on the Credit Card usage to identify whether there is excessive utilization of credit limit beyond the sanctioned limit in one statement cycle, unusual/irregular spending activity, unusual or excessive utilization at few select merchants, possible collusion with merchant and/or usage towards non-personal/ business related requirements, over-use/ misuse of features/ offers/ programs towards accumulation of undue reward points/ cash back / other benefits amongst others. Based on the usage patterns, if any of these is suspected by the Bank, Bank may take restrictive action on the Credit Card. Such action can be with immediate effect and may include but not be limited to rejection of transactions/ withdrawal of features/ benefits as well as complete termination of the Credit Card. If any such action is taken by the Bank onus will be on customer to provide satisfactory proof of bona fide usage to reinstate the Credit Card and attached features/ benefits as may be deemed fit by the Bank. Bank’s decision in this regard shall be final and binding on the customers.

n. Bank at its sole discretion retains the right to determine eligibility criteria for issuance of credit card to its customers, subject to revision from time-to-time. The eligibility criteria can be dependent of Bureau/CIC history, occupation, education, age etc.

o. Rewards and Cashback: CSB Bank extends reward benefits in the form of Jewels, milestone incentives, and cashback on eligible spends. These offerings are subject to revision at the sole discretion of the Bank and may be modified without prior notice.

p. Clawback Clause of Rewards: CSB Bank retains full discretion to amend the terms and conditions governing its credit card reward program. This includes, but is not limited to, the reversal of rewards in instances of card closure, payment default, suspected or confirmed fraudulent activity, or any breach of the bank’s stated policies or violation of applicable law. Reward points are non-transferable, and eligibility for accrual and redemption remains solely at the bank’s discretion.

q. Tax Collected at Source (TCS) will be applicable as per regulators discretion.

Important Regulatory Information

a.Your Edge CSB Bank Credit Card/Edge+ CSB Bank Rupay Credit Card is valid for use both in India as well as abroad. It is, however, not valid for making foreign currency transactions in Nepal and Bhutan.

b.Foreign exchange trading through Internet trading portals is not permitted. In the event of any violations or failure to comply, you may be liable for penal action and/or closure of the card.

c.Outstanding dues may also be recovered from any of the operative accounts of the Cardholder maintained with the Bank as a part of the auto recovery process.

d.Recovery of dues in case of death/permanent in capacitance of the Cardholder including insolvency and bankruptcy: It shall be in accordance with the applicable laws after giving sufficient notice for payment of dues and all information regarding the outstanding dues, to the successors/nominees /legal heirs/guardian of the Cardholder.

Credit Card EMI Most Important Terms and Conditions