According to the Snowflake documentation1, the Business Critical edition offers the following features that are relevant to the question:
Support for Multi-Factor Authentication (MFA): This is a standard feature available in all Snowflake editions1.
A minimum of 2 months of Time Travel availability: This is an enterprise feature that allows users to access historical data for up to 90 days1.
Database replication in between different regions: This is an enterprise feature that enables users to replicate databases across different regions or cloud platforms1.
Native support for JDBC and ODBC: This is a standard feature available in all Snowflake editions1.
Customer-managed encryption keys using Tri-Secret Secure: This is a business critical feature that provides enhanced security and data protection by allowing customers to manage their own encryption keys1.
Support for Payment Card Industry Data Security Standards (PCI DSS): This is a business critical feature that ensures compliance with PCI DSS regulations for handling sensitive cardholder data1.
Therefore, the minimum Snowflake edition that should be selected during account creation to provide all the listed services is the Business Critical edition.
References:
Snowflake Editions | Snowflake Documentation