CSB One Card Credit Card
CSB Bank
Last updated: Feb 03, 2026
₹0
₹0
2%
No lounge access
Contents
CSB One Card MASTERCARD Credit Card is a lifetime free, mobile-first metal credit card issued by CSB Bank in partnership with OneCard. It is managed entirely through the OneCard app, where you can control credit limits, enable or disable international and online usage, set your PIN, and pay bills in a few taps. The rewards program offers 1 reward point per ₹50 on most regular spends, with 5X rewards on your top two monthly categories, giving up to 1% value back in those segments. With transparent MITC, dynamic credit limits, FD-backed options for new-to-credit users and powerful app analytics, this CSB OneCard Mastercard is designed for young professionals who want a clean, gamified and fully-digital credit card experience without annual fees.
Features of CSB One Card Credit Card which makes it unique
Metal Card Experience
Sleek, premium-feel metal credit card that stands out from typical plastic entry-level cards.
Gives a premium feel and durability while still being lifetime free for eligible customers.
Many lifetime free cards in India are plastic; CSB OneCard offers a metal option without annual fee.
Dynamic 5X Rewards on Top Spend Categories
Automatically identifies your top two spend categories every month and boosts them with 5X reward points.
Lets you earn extra rewards on real-life spending patterns instead of being restricted to fixed bonus categories.
Traditional entry-level cards often restrict accelerated rewards to one or two fixed categories only.
FD-Backed Variant for New-to-Credit Users
Option to get a secured CSB OneCard by creating a fixed deposit if you are new to credit or have a thin credit file.
Builds credit score responsibly while enjoying the same rewards and app features as regular users.
Many banks limit secured cards to basic offerings; CSB OneCard provides full-featured metal card benefits on an FD-backed line.
Rewards Structure of CSB One Card Credit Card
Base Rewards
baseAll eligible retail spends (online and offline) excluding fuel, wallet loads/transfers, rent, cash withdrawals and other restricted categories.
Reward points are credited after transaction settlement and can be viewed in the rewards section of the OneCard app.
Top Category Rewards
acceleratedTop two monthly spend categories (for example shopping, travel, groceries, entertainment) when you spend across at least three categories in a billing month.
Top categories are identified automatically using merchant category codes. Bonus 5X points are typically credited around the 10th of the following month.
Reward Redemption
baseRedeemable for statement credit or against specific transactions inside the OneCard app.
You can swipe on eligible transactions or use the rewards screen in the app to redeem points as cashback to your statement.
Referral Rewards
baseInvite friends from the OneCard app and get bonus reward points when their virtual card is activated.
Referral structure is managed by OneCard in-app and can change over time; always check the Invite & Earn section before referring.
Fees & Charges of CSB One Card Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,250 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free credit card with zero joining and annual membership fees as per latest CSB One Co-Branded Credit Card MITC.
Fee Explanation As per CSB One Co-Branded Credit Card MITC (w.e.f. 31 Oct 2025), there is no joining or annual fee. Cash advances from ATMs attract a 2.5% fee on the withdrawn amount plus GST. The forex markup fee on international transactions is 1% till 30 Nov 2025 and 2% from 01 Dec 2025 onwards, plus GST. Interest on unpaid dues is 3.75% per month (45% p.a.). Late payment charges are slab-based: ₹0 for TAD up to ₹250; ₹250 for ₹251–₹1,000; ₹500 for ₹1,001–₹5,000; ₹1,000 for ₹5,001–₹25,000; and ₹1,250 for amounts above ₹25,000. Fuel surcharge waiver is 1% of transaction amount (max ₹400 per month), but no reward points are earned on fuel spends.
Detailed Explanation of CSB One Card Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee for primary or add-on cardholders as per CSB MITC.
Annual Membership Fee: ₹0 (yearly)
Lifetime free – no annual fee charged for primary or add-on cards.
Interest on Revolving Credit: 3.75% per month (45% p.a.) (monthly)
Charged on unpaid dues and cash advances from transaction date till full repayment.
Cash Advance / ATM Withdrawal Fee: 2.5% of amount withdrawn (transaction)
Charged on each cash withdrawal; interest also applies from withdrawal date.
Forex Markup Fee: 1%–2% of transaction amount (transaction)
1% markup on foreign currency and cross-border INR transactions till 30 Nov 2025; 2% markup applicable from 01 Dec 2025 onwards, plus GST.
Late Payment Fee: ₹0–₹1,250 (statement)
Slab-based as per Total Amount Due: ₹0–₹250: ₹0; ₹251–₹1,000: ₹250; ₹1,001–₹5,000: ₹500; ₹5,001–₹25,000: ₹1,000; above ₹25,000: ₹1,250.
Fuel Surcharge Waiver: 1% waiver (max ₹400/month) (monthly)
1% fuel surcharge waived (or actual surcharge, whichever is lower), capped at ₹400 per calendar month; no reward points on fuel spends.
Rent Transaction Fee: 1%–2% of rent amount (transaction)
Rent payments on third-party apps attract an additional 1% fee till 30 Nov 2025 and 2% from 01 Dec 2025, over and above merchant convenience fee.
Wallet Upload / Fund Transfer Fee: 1%–2% of transfer amount (monthly)
On cumulative wallet or bank transfers exceeding ₹10,000 in a month: 1% fee till 30 Nov 2025, 2% fee from 01 Dec 2025 on the full transfer amount.
Card Replacement Fee: ₹0–₹3,000 (per replacement)
First plastic replacement free; second plastic card ₹145; third and subsequent plastic cards ₹500; metal card replacement ₹3,000 plus GST.
Lounge Access Benefits with CSB One Card Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Currently there is no complimentary domestic airport lounge access on CSB OneCard. You may still enter lounges on a paid basis as per lounge and Mastercard program rules.
international Lounges
silverVisits per year: 0
Guest access: No
No complimentary international lounge access or Priority Pass / LoungeKey membership is bundled with this card at present.
Insurance Coverage with CSB One Card Credit Card
Zero Liability Protection
Up to the card’s credit limit, as per CSB Bank and Mastercard rulesApplies to unauthorised transactions after you report loss or theft of card to CSB Bank / OneCard and follow required dispute and FIR procedures.
Additional Features of CSB One Card Credit Card
Mobile-First Card Management
Full control from the OneCard mobile app – set or change PIN, enable or disable online, POS or international transactions, adjust credit and cash limits and lock or unlock your card instantly.
Requires internet connectivity and an updated OneCard app on your smartphone.
Virtual Card
Instant virtual Mastercard available inside the app right after approval, so you can start online shopping and subscriptions before the physical card arrives.
Use virtual card details only on secure websites and apps; security parameters follow Mastercard standards.
Smart Spend Analytics
Detailed spend analytics within the app by category, merchant and time, helping you track budgets and discover where your money goes every month.
Analytics are based on merchant category codes and may not perfectly match your personal labels for every spend.
Merchant EMI and In-App EMI
Convert eligible transactions to EMIs from the app or at partner merchants with transparent processing fee and EMI interest rates displayed upfront.
Minimum transaction amount and eligible merchant categories apply; processing fee and foreclosure fee are applicable as per EMI terms.
Welcome Bonus with CSB One Card Credit Card
Welcome Bonus: NA
Bonus Conditions: Currently there is no fixed welcome offer; limited-period in-app promotions may be introduced by CSB Bank or OneCard and can change without notice.
Application Process for CSB One Card Credit Card
Processing Time
Instant digital approval for eligible applicants; physical metal or plastic card typically delivered within 3–7 working days after approval.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the CSB Bank website and navigate to the Credit Cards section or directly download the OneCard mobile app.
Enter your mobile number and PAN, complete Aadhaar-based eKYC and fill in basic personal and employment details.
Allow the app to run eligibility and credit checks; view the offered credit limit and variant (secured or unsecured).
Accept the terms and conditions and activate your virtual CSB OneCard inside the app.
Your physical metal or plastic CSB OneCard Mastercard is dispatched and delivered to your address, after which you can set your PIN and start using it at POS and ATMs.
Required Documents for CSB One Card Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
CSB One Card Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most merchants and online platforms that support Mastercard credit cards.
International Acceptance
Accepted globally at Mastercard-accredited merchants and ATMs, subject to forex markup and local regulations.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for CSB One Card Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Eligibility is decided dynamically in the OneCard app based on your credit profile, bureau history, CSB Bank’s internal policies and KYC. A secured FD-backed variant may be offered if you do not meet unsecured criteria. Valid PAN, Aadhaar and a working Indian mobile number are mandatory.
How Approval Is Decided
- Minimum age of 18 years and Indian residency status.
- Clean credit bureau history with a generally healthy credit score (around 700 or above for unsecured lines).
- Stable verifiable income for the unsecured variant or an eligible fixed deposit with CSB Bank for the secured variant.
- Successful completion of full KYC and internal CSB Bank risk checks as per RBI guidelines.
- Compliance with CSB Bank’s internal policy regarding maximum number of active credit lines and recent delinquencies.
Pros of CSB One Card Credit Card
- Lifetime free CSB OneCard with no joining or annual fee, which is rare for a metal credit card.
- Clean and easy-to-understand rewards program with 1X base and 5X on top two spend categories each month.
- Powerful mobile app for spend tracking, card controls, EMI conversion and instant statement access.
- Suitable for new-to-credit users through FD-backed variant while still offering the same rewards and digital features.
- Transparent MITC and slab-wise late fee structure clearly documented by CSB Bank.
Cons of CSB One Card Credit Card
- No complimentary airport lounge access, which many users expect from premium-looking metal cards.
- High interest rate on revolving balances (around 3.75% per month) makes carrying forward dues expensive.
- Forex markup has increased from 1% to 2% from December 2025, reducing its advantage versus some low-forex competitors.
- Reward points are modest for heavy spenders compared to specialised travel or cashback cards.
- No big welcome bonus or milestone benefits; value comes mainly from ongoing everyday rewards.
Frequently Asked Questions about CSB One Card Credit Card
Is the CSB One Card MASTERCARD Credit Card really lifetime free?
Yes, as per the latest CSB One Co-Branded Credit Card MITC, there is no joining fee or annual membership fee for the CSB OneCard. This makes it a true lifetime free credit card from CSB Bank, subject to normal usage and account standing.
What is the rewards rate on the CSB OneCard and how do 5X points work?
On most eligible spends, you earn 1 reward point per ₹50, worth about 0.2% value back. Each month, your top two spend categories (based on merchant category codes) earn 5X reward points, giving up to about 1% value back on those categories. Fuel, rent payments, wallet loads, fund transfers and cash withdrawals do not earn reward points.
Does the CSB OneCard offer airport lounge access in India or abroad?
At present, the CSB One Card MASTERCARD Credit Card does not provide complimentary domestic or international airport lounge access. You can still use the card to pay for lounge entry on a chargeable basis wherever Mastercard is accepted, but there are no free visits bundled with this product.
What are the key fees and charges on the CSB OneCard credit card?
The card has no joining or annual fee. If you revolve dues, interest is charged at around 3.75% per month (45% p.a.) as per MITC. Cash withdrawals attract a 2.5% cash advance fee plus interest from the date of withdrawal. Forex transactions attract 1% markup till 30 November 2025 and 2% from 1 December 2025, plus GST. Late payment fees are slab-based depending on your Total Amount Due.
Who should consider getting the CSB One Card MASTERCARD Credit Card?
This CSB OneCard is ideal for beginners and young professionals who want a lifetime free, app-managed, metal credit card with simple rewards on everyday spends. It suits users who pay their bills in full, spend across multiple categories, prefer full digital control via smartphone and are not looking for airport lounge access or complex travel privileges.
How do I apply for the CSB OneCard and what documents are required?
You can start from the CSB Bank website’s credit card section or directly download the OneCard app, enter your PAN and mobile number, complete Aadhaar OTP eKYC, and submit basic details. Typically you will need PAN, Aadhaar or other officially valid document for ID and address proof, and income documents like salary slips or ITR if requested. Approval and credit limit are based on CSB Bank’s internal credit policy.
Is the CSB OneCard good for international transactions and forex spends?
The CSB One Card MASTERCARD Credit Card can be used internationally wherever Mastercard is accepted. Historically it was known for a competitive 1% forex markup; as per the latest MITC the markup moves to 2% from 1 December 2025, which is still better than many 3.5% forex cards but not the lowest in the market. As always, you should pay your full statement on time to avoid high interest charges on foreign currency spends.
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