Jupiter RuPay Credit Card – Unlock Exciting Perks & Rewards

Anurag was a young marketing professional who always sought out clever methods to cut costs while engaging in his favourite activities, which included travelling whenever possible, dining out with friends, and shopping for the newest technology. 

However, he frequently found himself balancing several payment options and losing out on incentives. At that point, he learnt about the Jupiter Edge CSB Bank RuPay Credit Card, a revolutionary product that offered lucrative cashback on regular purchases and effortlessly integrated credit card features with UPI payments.

Anurag found the 2% cashback on a selected expenditure category, travel, dining, or shopping, to be significant. He chose dining as his preferred category because he enjoyed eating out. His costs throughout the course of the following month were as follows:

• Dining (Preferred Category): ₹15,000  → ₹300 Cashback (2%)
• Shopping: ₹10,000 → ₹40 Cashback (0.4%)

• Travel: ₹5,000 → ₹20 Cashback (0.4%)

   

By the end of the month, he had effortlessly earned ₹360 in cashback, simply by spending on what he loved. Over a year, this could mean savings of over ₹4,000, just from his usual lifestyle.

With the Jupiter RuPay Credit Card, Anurag not only enjoyed smooth UPI-linked credit transactions but also maximised his savings with every swipe. Now, every time he dined out, he wasn’t just enjoying the food, he was also getting rewarded for it.

Key Highlights of Jupiter Rupay Credit Card

The Jupiter Edge CSB Bank RuPay Credit Card provides a range of features designed to improve your financial experience:

• UPI Integration: Link the card to UPI for seamless payments by scanning any QR code, combining credit benefits with UPI convenience.
• Welcome Voucher: Receive a ₹250 voucher from top brands like Swiggy, Amazon, Zomato, or Flipkart upon your first spend.
• High Credit Limit: Access a credit limit of up to ₹3 lakh, accommodating various financial needs.
• Flexible Category Switching: Change your preferred cashback category every three billing cycles to align with evolving spending habits.

• Comprehensive Spend Insights: Utilise the Jupiter app to monitor and analyse both UPI and credit card transactions, promoting informed financial decisions.

   

Features of Jupiter Rupay Credit Card

• Lifetime-Free Card: No joining or annual fees, ensuring cost-effective usage.
• 2% Cashback on Selected Category: Choose between shopping, dining, or travel to earn 2% cashback in your preferred category.

• 0.4% Cashback on Other Purchases: All additional spends earn 0.4% cashback, maximising rewards across expenditures.

   

• Security: Strong security safeguards are included with RuPay credit cards to help safeguard your funds. EMV chip technology, two-factor authentication (2FA), and transaction SMS alerts are some of these characteristics. Furthermore, RuPay is always developing new security features and incentive schemes tailored to Indian users. 

• Convenience Across Banking Platforms: You can use a single card to access a range of banking services with RuPay credit cards. This covers activities such as using ATMs to take out cash, conducting routine bank transactions, using online banking, and even applying for additional credit products. No matter which bank you use, you may accomplish all of this with your RuPay card.

• Potentially Lower Merchant Fees: Businesses that accept RuPay cards typically pay less for transactions than those that use international networks like Visa and Mastercard. In the end, everyone gains from RuPay's increased acceptability as more retailers are encouraged to embrace it.

   

Jupiter Rupay Credit Card Cashback and Rewards

The Jupiter Edge CSB Bank RuPay Credit Card provides a structured cashback and rewards system made to improve your spending experience.

• 2% Cashback on UPI Transactions: Earn assured 2% cashback on UPI payments made using the Jupiter app.
• 2% Cashback on Selected Category: Choose between shopping, dining, or travel to earn 2% cashback in your preferred category.
• 0.4% Cashback on Other Spends: All other purchases, including non-preferred categories and additional UPI transactions, earn 0.4% cashback.

• Welcome Voucher: Receive a ₹250 voucher from top brands like Swiggy, Amazon, Zomato, or Flipkart upon your first spend.

   

Jupiter Rupay Credit Card Fees and Other Charges

Jupiter Rupay Credit Card Pros and Cons

Pros:

• Lifetime-Free Card: No joining or annual fees, making it a cost-effective choice for users.
   
• 2% Cashback on UPI Transactions: Earn assured 2% cashback on UPI payments made through the Jupiter app, enhancing rewards on everyday spending.
  
  
• Category-Based Cashback: Select a preferred category—shopping, dining, or travel—to receive 2% cashback, with the flexibility to switch categories every three billing cycles.
  
  
• 0.4% Cashback on Other Spends: All other purchases earn 0.4% cashback, ensuring rewards across various expenditures.
  
  
• UPI Integration: Link the card to UPI for seamless payments by scanning any QR code, combining credit benefits with UPI convenience.
  
  
• Welcome Voucher: Receive a ₹250 voucher from top brands like Swiggy, Amazon, Zomato, or Flipkart upon your first spend, adding immediate value.
  
  
• High Credit Limit: Access a credit limit of up to ₹3 lakh, accommodating various financial needs.
  
  
• Comprehensive Spend Insights: Utilize the Jupiter app to monitor and analyze both UPI and credit card transactions, promoting informed financial decisions.
  
  

Cons:

• Delayed Cash Advance Activation: The cash withdrawal facility is activated only after 180 days from the card issuance date, which may be limiting for users needing immediate cash access.
  
  
• Interest Rates: The card carries an interest rate of 42% per annum on outstanding amounts for both purchase transactions and cash advances, which is relatively high and could lead to significant charges if balances are not paid in full.
  
  
• Foreign Currency Markup: A 3.5% fee is applied to foreign currency transactions, which could be a consideration for frequent international travellers.
  
  

• Limited Availability: Currently, the card might be available only to certain segments of users or regions, potentially restricting access for some interested applicants.

   

The Jupiter Edge CSB Bank RuPay Credit Card has many advantages, particularly for those who want a lifetime-free card with cashback rewards and often use UPI payments. The comparatively high interest rates, foreign currency markup fees, and delayed cash advance activation should be taken into account by prospective customers according to their financial needs and habits.

Eligibility Criteria for Jupiter Rupay Credit Card

Required Documents to Apply for Jupiter Rupay Credit Card

How to Apply for Jupiter Rupay Credit Card

Visit the Website

• Go to the official website of the bank offering the RuPay credit card you want (e.g., SBI, PNB, HDFC) or the official RuPay website.

   

Choose Your Card

• Browse and select the RuPay credit card that fits your needs based on the benefits and features.

   

Fill Out the Application

• Complete the online application form with your personal, professional, and financial details.

• You will be asked to verify your number. Enter your number.

   

Submit Documents

Upload the required documents to verify your identity, address, and income:

• Identity Proof: PAN card, Passport, Voter ID, etc.
• Address Proof: Utility bills, Rental agreement, Passport, etc.
• Income Proof: Salary slips, Bank statements, ITR (for salaried/self-employed)
• Enter your address and then click next.

• Check the limit and click on Continue.

   

Wait for Approval

• The bank will review your application and process it within a few days to a couple of weeks.

   

Receive Your Card

• Once approved, the bank will send your RuPay credit card to your address in 10-15 business days.

   

Jupiter Rupay Credit Card Customer Care

For assistance with your Jupiter Edge CSB Bank RuPay Credit Card, you can reach out through the following channels:

1. In-App Support:

• Jupiter App: Access customer support directly within the Jupiter app for prompt assistance.

   

2. Email Support:

• General Inquiries: support@jupiter.money

• Credit Card Specific Inquiries: edge-csb-support@jupiter.money

   

3. Phone Support:

• Customer Care Number: +91 86550 55086

   

4. Escalation Contacts:

• Principal Nodal Officer for Customer Grievances: Smt. M. Sreelatha
  • Address: CSB Bank Limited, Head Office, CSB Bhavan, St. Mary’s College Road, Thrissur, 680020, Kerala

  • Phone: 0487-2333020

     

For more detailed information on grievance redressal, please refer to Jupiter's Grievance Redressal Policy.

Conclusion

The Jupiter Edge CSB Bank RuPay Credit Card is a unique financial instrument that combines rewards and ease to suit contemporary spending patterns. Its lifetime-free feature allows customers to take advantage of the benefits without having to pay yearly fees.

Moreover, the attractive cashback structure—2% on selected categories such as shopping, dining, or travel, and 0.4% on all other spends—ensures that users are rewarded for their everyday expenses. The added advantage of a ₹250 welcome voucher from popular brands further enhances its appeal.

Frequently Asked Question

Q. Is Jupiter's RuPay card good?

With guaranteed 2% cash back on purchases, travel, or dining, 0.4% cash back on all other UPI and credit card expenditures, welcome bonuses of Rs. 250 on UPI and card expenditures, and 1% (up to Rs. 100 per billing cycle) on transactions between Rs. 400 and Rs. 3,000, Jupiter's RuPay card is a respectable lifetime free credit card.

Q. Can I withdraw cash from my Jupiter credit card?

No, a Jupiter credit card does not allow cash withdrawals.

Q. What are the benefits of Jupiter Rupay Credit Card?

The Jupiter Edge CSB Bank RuPay Credit Card has many advantages, particularly for those who want a lifetime-free card with cashback rewards and often use UPI payments. The comparatively high interest rates, foreign currency markup fees, and delayed cash advance activation should be taken into account by prospective customers according to their financial needs and habits.

Apply for Loans Fast and Hassle-Free

Apply Now

About the Author

LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?