📅 March 22, 2025 | EaseMoney News Desk
Jupiter Money, in partnership with CSB Bank, is now launching a new and upgraded version of the EDGE RuPay Credit Card, marking its second credit card after the 3-in-1 RuPay Credit Card. This is another lifetime free card offering up to Rs. 48,000 annual cashback to cardholders and making it a must-have card for daily online shopping.
the bank claims this is one of the best cashback cards that have no joining and annual fees.
Comparison with Older Cashback Cards
- Amazon Pay ICICI Credit Card – 5% cashback on Amazon
- Flipkart Axis Bank Credit Card – 5% on Flipkart & Myntra
- HDFC Millennia Credit Card – 5% on Amazon, Flipkart & Swiggy
- Axis Ace Credit Card – 5% unlimited cashback
- Jupiter EDGE RuPay Credit Card – 10% on major shopping platforms
User Discussions: Is It Worth Upgrading?
According to talks on the Jupiter Money Community, existing 3-in-1 Rupay credit card users are actively comparing the new EDGE card with the revised reward structure and discussing whether it is worth upgrading or not.
Here’s what users are debating:
- Some users are confused about the waitlist system, as different application methods (app vs. landing page) are assigning varying waitlist numbers.
- Higher cashback rates compared to the previous card.
- Users appreciate the card’s design, which features a unique half-opaque, half-transparent look.
Key Features of the EDGE RuPay Credit Card
10% Cashback on Online Shopping
- Amazon, Flipkart, Myntra, Ajio, TataCliq, Nykaa, Westside, Lifestyle
- Maximum cashback: ₹1,000 per month
5% Cashback on Travel & Commute
- Uber, Ola, Rapido, IRCTC, MakeMyTrip, EaseMyTrip, BlueSmart
- Maximum cashback: ₹1,000 per month
3% Cashback on Food, Groceries & Entertainment
- Swiggy, Zomato, Blinkit, Zepto, BigBasket, Domino’s, McDonald’s
- Netflix, Hotstar, SonyLiv, BookMyShow
- Maximum cashback: ₹1,000 per month
2% Cashback on UPI & Offline Payments
- Pay via UPI by scanning any QR code
- cashback capped at ₹1,000 per month
Lifetime Free with No Fees
one of the interesting is completely free for life, with no joining or renewal charges, making it a strong contender against other cashback credit cards in the market.
Other features
This credit card integrates directly with UPI, allowing users to:
- ✔ Scan any UPI QR Code and pay with a credit card
- ✔ Earn cashback even on UPI transactions
- ✔ Convert big purchases into EMIs at just 1.33% interest per month
How Much Cashback Can You Earn Annually?
- The cashback is capped at Rs. 1,000 per month per category of online shopping.
- Total monthly cashback: ₹4,000
- Annual cashback potential: ₹48,000
Cashback is credited as Jewels in the Jupiter app, which can be redeemed for:
- Cash withdrawal
- Bill payments
- Digital gold and gift vouchers
So, How to Apply for the New EDGE RuPay Credit Card
- Visit the Jupiter Money Website
- Click on “Get Early Access”
- Enter your name and mobile number
- Wait for approval as the card rolls out in phases
Should You Upgrade from the 3-in-1 RuPay Credit Card?
Talks on the Jupiter Money Community indicate that many existing 3-in-1 RuPay Credit Card holders may be considering switching due to the higher cashback rates on the new Edge RuPay card with a high cashback image.
However, some users are concerned about the ₹1,000 per category monthly cap, which may not be suitable for high spenders.
Final Judgment: Who Should Apply?
This card is a strong option for:
- The one who loves online shopping, who frequently uses Amazon, Flipkart, Myntra, Ajio, TataCliq, Nykaa and more.
- If you live in top-tier cities in India, Frequent travellers using Uber, Ola, and even IRCTC.
- Individuals who spend on food delivery, groceries, and entertainment.
- Users looking for a lifetime-free RuPay credit card with UPI payments.
Remind you: While this new cashback upgraded EDGE RuPay Credit Card offers good cashback offers potential, its effectiveness will depend on person to person. individual spending patterns and how well users can maximize the category-based limits.
Expert Take: Will It Disrupt the Market?
Experts believe this card will be a game-changer, but the ₹1,000/month cashback cap per category may limit high spenders.
Will this card replace your current credit card? Let us know in the comments!
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