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.

Rates and fees last verified 14 September 2026.

Annual fee

₹0

Joining fee

₹0

Reward type

cashback

Base reward rate

0.5%

Card network

Visa

Card tier

Entry

Reward rates by category

Online shopping2.5% (capped ₹1,000/monthly)

Eligibility

Minimum monthly income: ₹30,000
Employment: salaried, self-employed

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

Apply on CSB Bank's site

Applying takes you to CSB Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.