Design the first 90 days for first-time credit card users on Jupiter's Edge+ CSB Bank RuPay card.

Introduction

The Edge+ CSB Bank RuPay credit card is Jupiter's flagship credit product. Because it is a RuPay card, it can be linked to UPI, so users can pay any merchant QR code on credit and earn rewards. For many Jupiter users this is their first credit card. That is a big opportunity and a real risk: first-time cardholders who misunderstand billing cycles, minimum dues or interest can end up with debt and a damaged credit score. This question asks me to design the first 90 days for these users. I'll clarify scope, explain the opportunity, choose a segment, map pain points, design a solution and define metrics.

Step 1

Clarify Questions (3 minutes)

• Who counts as a first-time cardholder? Assume users with no prior credit card on their credit bureau report, approved for Edge+ through the Jupiter app.
• Where does the experience live? Inside the Jupiter app, from approval through the third billing cycle.
• What is the business goal? Activation and regular usage, with on-time repayment as a hard requirement.
• Constraints? The card is issued by CSB Bank, so credit limits, interest rates and statements follow the bank's rules and RBI's card directions. Jupiter controls the app experience, education, nudges and rewards display.
• Any data limits? Assume we can see card transactions, the linked savings account balance (if the user banks with Jupiter) and repayment status.

Propose the Goal

Turn first-time cardholders into confident, regular users who never pay interest or late fees in their first 90 days, because they understand how the card works.

Define the Scope

In scope: activation, UPI linking, first spends, the first statement, first repayment and limit awareness. Out of scope: credit limit increases, EMI conversion design and the card application flow.