Edge CSB Bank RuPay Credit Card and Edge+ CSB Bank RuPay Credit Card-KFS

Key Fact Statement Edge CSB Bank RuPay Credit Card (Issued by CSB Bank)

The Key Fact Statement (KFS) has been updated on 13th May 2025 and the revised fees and charges will be applicable from 15th June 2025.

Fees and Charges

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	Edge CSB Bank RuPay Credit Card - NIL and 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 Credit Card for one year	Nil	One year from the date of card issuance. 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 one year	Nil	-
Card Issuance Fee	Fee for issuance of the physical Edge+ CSB Bank Credit Card	Nil	–

Card Replacement Fee	Fee paid in case of replacement of physical CSB Bank RuPay Bank 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	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
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
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 to the next 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

Education Fee

Fee charged on wallet top-up transactions

1% of the

transaction amount

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

Joining and Annual Membership fee for the primary user is Nil only for the first two lakh customers. Such fee shall be notified at the time of availing the credit card on the Jupiter App

** 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.

Withdrawal Limits

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 or withdraw cash from an ATM respectively.

Cash limit is a subset of your credit limit i.e. up to 20% of your Credit Limit and is assigned based on your usage patterns, payment behavior and credit history. It will only be activated after 180 days from the date of issuance of the Edge+-CSB Bank RuPay Credit Card. After this 180 day period, your cash limit will be made available at the sole discretion and on such terms as may be communicated by CSB Bank from time-to-time.

Billing Statement

Your billing statement will be generated every month and sent to your registered email address (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:

5% of the total amount due

EMI amount billed for the month

100% of any fees, interest, charges and taxes

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:

1. If the Total Amount Due is not paid by the payment due date, then there will be no interest free period.

2. For cash advances, interest is charged from the date of the transaction until the date of payment.

3. 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

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 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. 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

₹98.63

(8000 x 10 x (3.75% x 12)) / 365

	payment till the next statement date

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+₹11.0 9)
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 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 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.

1. Call our Customer Care number at +91 86550 55086

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. If you are not satisfied with the above, you may escalate the matter to Nikhil Godbole Nodal Officer for Customer Grievances, Amica Financial Technologies Private Limited, Address: Address: Plot no.94, 17th Cross, 14th Main Rd, 4th Sector, HSR Layout, Bengaluru, Karnataka 560034, Email - csb.nodalofficer@jupiter.money

5. If you are not satisfied with the above, you may escalate the matter to Smt. 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/.

Edge CSB Bank RuPay Credit Card and Edge+ CSB Bank RuPay Credit Card-KFS

Method of payment

Co-created community

Demystifying your money

Products on our Platform	Role of Partner
Bank and Deposit Accounts	AFTPL through its brand Jupiter has partnered with Federal bank to offer Savings Bank accounts, Fixed and Recurring Deposits to consumers.
Cards	AFTPL through its brand Jupiter is a marketplace which promotes co-branded cards distributed by Europa Neo Marketing Pvt Ltd in partnership with Federal Bank & CSB Bank. Cards are issued by the bank as per policy of the bank.
Loans	AFTPL through its brand Jupiter has partnered with the following NBFC’s Amica Finance Private Limited & Kisetsu Saison Finance (India) Private Limited to provide lending products to consumers.
Mutual Funds	AFTPL through its brand Jupiter has partnered with AIAPL to provide mutual funds to consumers
Digital Gold	AFTPL through its brand Jupiter has partnered with MMTC-PAMP to provide Digital Gold products to consumers.
Health Insurance	AFTPL through its brand Jupiter has partnered with Onsurity to provide Health Insurance Products to consumers.
Gift Cards	AFTPL through its brand Jupiter has partnered with Pine Labs to provide Pre Paid Gift Card Products to consumers.
Jupiter Account (PPI)	AFTPL through its wholly owned subsidiary Amica Payment Services Pvt Ltd offers the Jupiter Account - a Pre Paid Product to consumers.

Edge CSB Bank RuPay Credit Card and Edge+ CSB Bank RuPay Credit Card-KFS

Method of payment

Co-created community

Demystifying your money

3-in-1 Switch RuPay Credit Card