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CSB Bank
CSB Bank OneCard Credit Card
Visa
CSB Bank OneCard Credit Card
CSB Bank's entry into the mobile-first OneCard family, distinct from its Jupiter-powered Edge/Edge+ cards — a lifetime-free card with 1% forex markup and 5X rewards on your top two monthly spend categories, plus 10% cashback on PhonePe.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: Not offered on this OneCard-CSB metal card
- International lounge access: Not offered
Benefits by category
- 🛍️ Shopping
2.5% reward rate (capped ₹1,000/monthly)
- 🌍 Forex / international spend
1% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
Fees & charges
- Rewards redemption fee: None — cashback/rewards are credited automatically via the OneCard app, no redemption fee
- Foreign currency markup: 1%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹400 per calendar month; no reward points on fuel.
- Cash advance charges: 2.5% of the amount withdrawn (CSB One KFS).
Benefits
- 10% cashback on PhonePe spends
- India's only mobile-first credit card fully managed via the OneCard app — instant controls, no physical statements
Pros
- + Lifetime free — no joining or annual fee
- + Low 1% forex markup
- + 10% cashback on PhonePe spends
Cons
- − Rewards depend on which categories the app auto-selects each month
- − No lounge access or insurance benefits disclosed