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Edge+ CSB Bank RuPay Credit Card
Same lifetime-free-annual-fee cashback structure as the base Edge card, distinguished only by a ₹999 one-time joining fee — CSB's own MITC does not document any extra benefit for paying it.
Annual fee
₹0
Joining fee
₹999
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Not offered
- International lounge access: Not offered
Benefits by category
- ✈️ Travel
5% reward rate
- 🛍️ Shopping
10% reward rate
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹100, on fuel spends between ₹400 and ₹3,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Rewards redemption fee: None — cashback ('Jewels') is credited automatically, no redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹100, on fuel spends between ₹400 and ₹3,000
- Cash advance charges: Cash withdrawal at ATMs in India or abroad is not allowed on this card (CSB MITC).
Benefits
- Up to 10% cashback ('Jewels') on top shopping brands and 5% on top travel brands; 1% on other spends
- 1% fuel surcharge waiver, capped at ₹100, on fuel spends between ₹400 and ₹3,000
- UPI-linked credit card via the Jupiter app; annual fee is nil for life (only a one-time ₹999 joining fee applies)
Pros
- + Lifetime free annual fee
- + Same 10%/5%/1% cashback tiers as Edge
Cons
- − ₹999 joining fee with no clearly documented extra benefit over the free Edge variant
- − No lounge access or insurance disclosed
Best for