Yesterday, the statement for the CSB Edge RuPay Card was generated, with a total monthly spend of 4,046. During this period, earned 810 jewels valued at 162 Rs as rewards, receiving 4% rewards on all three transactions. 
The statement is pretty neat and clean 
At present, there are three ways to redeem the jewels:
- Converting to Cash balance
- Conversion to Digital Gold
- and the latest addition: Conversion to Gift Cards
However, it’d be far more convenient if users could utilize those jewels to offset the total outstanding amount. This could be similar to OneCard’s option, where one can strike off a particular transaction if there are enough points, or similar to BOB’s method of automatically converting points to cash and adjusting it against the outstanding bill during statement generation.