CSB Bank, formerly the Catholic Syrian Bank, has served customers with innovative banking solutions since 1920. Among its various financial products, CSB Bank offers a range of credit cards designed to meet diverse customer needs.

The CSB One Co-Branded Credit Card and the CSB Bank Edge Credit Card are two standout options. These credit cards provide exciting benefits, including reward points, cashback offers, and lifestyle privileges, making them an excellent choice for different spending habits and customer dynamics.

Examples:

Rahul's Rewards from Dining & Travel: Rahul enjoys dining out and travelling frequently. He decides to use his CSB One Co-Branded Credit Card to maximise rewards.

He spends ₹3,000 on a restaurant bill, earning 300 reward points (5X rewards on dining).
Rahul then books a flight ticket for ₹10,000, earning 1,000 reward points (5X rewards on travel).
In total, Rahul earns 1,300 reward points worth ₹130. These points can be redeemed for various rewards, like vouchers or cashback.

CSB Bank Edge Credit Card

Priya's Cashback from Shopping: Priya chooses "Shopping" as her CSB Bank Edge Credit Card cashback category. She spends ₹10,000 on clothes and accessories.
- Since shopping is her selected category, she gets 2% cashback on the total amount spent.
- Cashback earned = ₹10,000 × 2% = ₹200.
- This cashback is credited directly to her account, which she can redeem later.

In this blog, we will explore the features, benefits, eligibility criteria, and application process for these credit cards, along with numerical examples to help you understand their value.

CSB One Co-Branded Credit Card

The CSB One Card is a co-branded credit card issued by CSB Bank in partnership with OneCard. It is a mobile-first credit card that allows users to manage their card through a mobile app. The CSB One Co-Branded Credit Card is designed for customers who seek a balance of rewards, travel benefits, and lifestyle perks.

CSB One Credit Card Features and Benefits

This section will look at the specific features and benefits of the CSB One Co-Branded Credit Card.

Feature	Benefit
Welcome Benefit	Enjoy a welcome bonus upon activation (depending on the bank), offering users an initial reward to kickstart their spending journey.
Reward Points	Earn 5X reward points on top spending categories, including dining, travel, and international transactions, with uncapped points that never expire. Users also earn 1 reward point per ₹50 spent on all other transactions, and 10 reward points equal ₹1. For example: Rahul eats out & books a flight (5X rewards) Restaurant bill: ₹3,000, which will equal 300 points Flight ticket: ₹10,000, which will equal 1,000 points Total Cash Value = ₹130 Priya shops for clothes & groceries (1X rewards) Clothes: ₹4,000, which will equal 80 points Groceries: ₹6,000, which will equal 120 points Total Cash Value = ₹20 Amit spends in different categories (5X + 1X rewards) International shopping: ₹8,000, which will equal 800 points Dining: ₹2,000, which will equal 200 points Electronics: ₹15,000, which will equal 300 points Total Cash Value = ₹160 Sameer pays for fuel & rent (No rewards) Fuel: ₹4,000, which will equal 0 points Rent: ₹12,000, which will equal 0 points
Fuel Surcharge Waiver	The acquirer, the merchant's bank that provides the terminal, charges a fuel surcharge when you use the CSB One Co-Branded Credit Card to pay for fuel domestically. The surcharge waiver shall be the lesser of the actual surcharge (minus GST) or 1% of the transaction value. The maximum fuel fee waiver for gasoline purchases made on the CSB One Co-Branded Credit Card will be ₹ 400 per calendar month per account. This reversal will not include the appropriate tax paid on the purchase. Fuel transactions will not result in the accumulation of reward points. Example: Rahul buys fuel for ₹3,000 using his CSB One Credit Card. The fuel station charges a 1% surcharge = ₹30 GST on surcharge = ₹5.40 Total extra charge = ₹35.40 Waiver Calculation: The surcharge waiver is ₹30 (GST is not refunded). Final amount paid after waiver = ₹3,005.40 Key Point: Rahul saves ₹30 but still pays ₹5.40 in GST.
Movie & Dining Discounts	Those who frequently dine out and want to maximise their savings and rewards will find the CSB One Co-Branded Credit Card to be a great option. It offers exclusive dining benefits through its OneRewards program, which allows users to earn 5X reward points on the 2 most spent on categories each month. It includes dining transactions, making it a highly rewarding category for frequent restaurant-goers. Apart from that, OneCard holders can get one free ticket up to ₹150 when they book through partner merchants like BookMyShow.
Fully Digital Onboarding	No physical documents or branch visits are required; activate and manage your card instantly via the OneCard mobile app.
Card Controls	Customise and control your card settings through the app, set spending limits, enable/disable transaction types (online, POS, contactless), and reset PINs instantly.
Real-Time Transaction Analytics	Track spending trends, view category-wise expenses, monitor rewards earned, and compare monthly payments, all in-app.
Subscription Hub	It helps you manage all your subscriptions in one place. Helps you manage all your subscriptions in one place Benefits OneDestination for OneCard Subscriptions Get Pre-Debit notification 24 hours Prior Cancel your subscription from the app Any modification, cancellation or opt-in for a new subscription will be reflected in the app Personalise the subscription by adding a nickname to it Control how much you want to pay; set your transaction limit for each of your subscriptions
Swipe to Auth & Swipe to Pay	Complete transactions without OTP delays, ensuring faster and more secure purchases using biometric authentication. Swipe to Auth: If “Multiple Transactions” occur in less time than usual, transactions get declined under suspicious activity. The “Swipe to Auth” initiative is to honour genuine transactions by letting them go through with a secured authentication at our end. When a transaction gets declined due to the identification of suspicious activity, It acts as a safeguard for customers and customers' money Once they validate through a notification that it is the customers only who is performing the transaction, they allow the re-attempt of a transaction This provides a seamless experience and ensures safe transactions. Swipe to Pay: You will get a notification on your phone every time you shop online. The notification will ask you to verify yourself using your app PIN or biometrics. Once done, just swipe to approve and complete your purchase. Complete a transaction without having to wait for or enter an OTP No incomplete payments due to delayed OTP It takes half the time to complete purchases compared to the OTP method. It is also more secure than OTP
My Family Feature	Share your credit limit with up to 5 family members by issuing digital add-on cards and tracking/managing their spending directly from the app. This will apply even if the family member has no credit score.

CSB One Credit Card Eligibility Criteria

The eligibility criteria for applying for the CSB One Co-Branded Credit Card include the following:

Age Requirement: Applicants must be 18 years or older.
Residency: The applicant must be a resident of India.
Creditworthiness: The bank will ascertain creditworthiness by obtaining a credit bureau report and may decline the issuance of the card based on internal risk assessments.
Active CSB One Account: The applicant should have an active account with CSB Bank.
Employment & Income: While specific income requirements are not mentioned, applicants may need to meet minimum income criteria as determined by the bank.

Additionally, the final approval of the credit card is at the sole discretion of CSB Bank, and the credit limit assigned may vary based on the applicant’s financial profile and credit score.

CSB Bank Edge Credit Card

The CSB Bank Edge Credit Card is tailored for customers who prefer a no-frills card with attractive cashback and affordability.

CSB Bank Edge Credit Card Features and Benefits

Here is a detailed table highlighting the features and benefits of the CSB Bank Edge Credit Card:

Feature	Benefit
3-in-1 Credit Card	Switch between Shopping, Travel, and Dining categories for maximum benefits.
UPI Payments with Credit Card	Use your CSB Bank Edge Credit Card for UPI transactions, combining convenience and rewards.
Zero Joining Fee & Lifetime Free	No joining fee, and lifetime free for the first 2,00,000 users. No annual fee, ever.
Welcome Benefit	Get a ₹250 welcome voucher from top brands like Amazon, Flipkart, Swiggy, Zomato, or Myntra on your first UPI payment via the Jupiter app.
Cashback on Spending	Earn 2% cashback on your chosen category (Travel, Shopping, or Dining). Change categories every 3 billing cycles. Example: Priya chooses "Shopping" as her cashback category and spends ₹10,000 on clothes and accessories. Since Shopping is her selected category, she gets 2% cashback. Cashback earned = ₹10,000 × 2% = ₹200 The cashback is credited to her account. Key Points: Priya can change her category after 3 billing cycles. If she had chosen Dining or Travel instead, she would not get 2% cashback on Shopping. All other spending (outside her chosen category) earns 0.4% cashback.
Base Cashback	Earn 0.4% cashback on all other spends. Example: Amit spends ₹5,000 on electronics (which is NOT his chosen category). Since this purchase does not fall under his 2% cashback category, he gets 0.4% cashback instead. Cashback earned = ₹5,000 × 0.4% = ₹20 The cashback is credited to his account. Key Points: 0.4% cashback applies to all purchases outside the selected category. If Amit had chosen Shopping as his category, electronics would still get only 0.4% cashback since it does not count as shopping.
Fuel Surcharge Waiver	Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹3,000 (maximum waiver ₹100 per month). Example: Imagine Rohit needs to pay for a fuel transaction of ₹2,000. 1% Fuel Surcharge: The surcharge would typically be 1% of ₹2,000, which equals ₹20. Waiver: According to the offer, Rohit will get a 1% surcharge waiver for transactions between ₹400 and ₹3,000, with a maximum waiver of ₹100 per month. Since ₹20 is less than ₹100, the entire surcharge of ₹20 will be waived. So, Rohit would pay ₹2,000 without any fuel surcharge, saving ₹20 on this transaction. If Rohit made a transaction of ₹10,000, the surcharge would be ₹100, but since the maximum waiver is ₹100 per month, that is the most he could save, even if the surcharge would have been higher.
Control & Insights	Manage your card easily via the Jupiter app—track expenses, set limits, and control spending.
One-Click Card Controls	Instantly enable/disable transactions, set limits, and manage security features.
Insurance Coverage	Get ₹10,000,00 personal accident and total permanent disability insurance.
Concierge Services	24/7 concierge assistance is available in English and Hindi for travel, bookings, and emergency help.
Max Reward Cap	Earn up to ₹3,000 cashback per billing cycle (15,000 Jewels per month). Example: Raj spends ₹10,000 in a billing cycle. He earns 50 Jewels for every ₹100 spent, so for ₹10,000, he earns 5,000 Jewels. He can redeem cashback worth ₹250 (since 5,000 Jewels = ₹250). If Raj spends ₹30,000, he earns 15,000 Jewels, which equals ₹3,000 cashback. But since the maximum cashback cap is ₹3,000, that is the most Raj can redeem, even if he spends more than ₹30,000. So, the maximum cashback Raj can earn per billing cycle is ₹3,000.
Reward Redemption	Redeem cashback as digital gold or brand vouchers via the Jupiter app.
No Overlimit Fee	Transactions beyond your limit are not allowed, ensuring financial safety.
UPI Spend Tracking	Track and analyse both UPI and credit card transactions in one place for better financial management.

CSB Bank Edge Credit Card Eligibility Criteria

The eligibility criteria for applying for the CSB Bank Edge Credit Card include the following:

Minimum age: 18 years
Salaried individuals: Minimum monthly income of ₹20,000
Self-employed individuals: Minimum annual income of ₹2,50,000.
Good credit score (typically 700+)

How to Apply for CSB Bank Credit Cards?

Applying for a CSB Bank credit card is simple and can be done through both online and offline methods.

Online Application

Visit the CSB Bank official website.
Select the desired credit card (CSB One Co-Branded Credit Card or CSB Bank Edge Credit Card).
Click on "Apply Now" and fill in the required details (name, income, employment type, etc.).
Upload necessary documents (PAN card, Aadhaar card, salary slip, etc.).
Apply and wait for verification.
Once approved, the card will be dispatched to your registered address within 7-10 working days.

Offline Application

Visit the nearest CSB Bank branch. To find the nearest branch use the store locator.
Fill out the physical application form.
Submit identity proof, address proof, and income proof.
The bank will verify and process your application.
Upon approval, the card will be delivered within 7-10 days.

Fees and other charges: CSB One Co-Branded Credit Card and CSB Bank Edge Credit Card

Type	CSB OneCard	CSB Edge RuPay Credit Card
Joining Fee for Primary & Add-on Cardholders	Nil	Nil
Annual Membership Fee for Primary & Add-on Cardholders	Nil	Nil
Issuance Fee (Primary)	Nil	Nil
Issuance Fee (Add-on Cardholder)	Nil	Nil
Card Cancellation Fee	Metal Card ₹3,000 Plastic Card ₹500	Nil
Cash Advance Fee/ATM Withdrawal Fee	2.5% of the amount withdrawn. Example: Sarah withdraws ₹5,000 from an ATM using her CSB OneCard. The fee for cash withdrawal is 2.5% of the amount withdrawn. Fee applied: ₹5,000 × 2.5% = ₹125 Sarah will be charged ₹125 as a cash advance fee.	3.5% monthly and 42% annually. Example: Alex needs ₹10,000 in cash and uses his CSB Edge Credit Card to withdraw from an ATM. The fee for cash withdrawal is 3.5% per month on the withdrawn amount. Fee applied: ₹10,000 × 3.5% = ₹350 Alex will be charged ₹350 as a cash advance fee.
Forex Markup Fee	1% of the transaction amount. Example: Ramesh purchases $100 (USD) while travelling abroad using his CSB OneCard. The forex markup fee is 1% of the transaction amount. Fee Applied: $100 × 1% = $1 Ramesh will be charged an additional $1 as a forex markup fee.	3.5% on every international transaction. Example: Aarti buys a product online for €50 from a European website using her CSB Edge RuPay Credit Card. The forex markup fee is 3.5% of the transaction value. Fee Applied: €50 × 3.5% = €1.75 Aarti will be charged an additional €1.75 as a forex markup fee.
Card Replacement Fee	First Plastic Card Nil Second Plastic Card ₹145 Third Plastic Card onwards ₹500 Metal Card ₹3,000	₹249
Interest-Free Period	Up to 48 days	Nil
Interest Rate	3.75% per month and 45% per annum. Example: John has an outstanding balance of ₹5,000 on his CSB OneCard and does not pay the full bill by the due date. The interest rate is 3.75% per month. Fee applied: ₹5,000 × 3.75% = ₹187.50 John will be charged ₹187.50 as interest for that month.	3.5% monthly and 42% annually. Example: Neha has an outstanding balance of ₹10,000 on her CSB Edge RuPay Credit Card and carries it over to the next month. The interest rate is 3.5% per month. Fee applied: ₹10,000 × 3.5% = ₹350 Neha will be charged ₹350 as interest for that month.
Late Payment Charges	₹0 – ₹250 ₹0 ₹251–₹1,000 ₹250 ₹1,001–₹5,000 ₹500 ₹5,001–₹25,000 ₹1,000 ₹25,001 and above ₹1,250	Nil (if total principal due is up to ₹500) ₹250 (₹501-₹5,000) ₹750 (₹5,001-₹10,000) ₹1,200 (₹10,001 and above)
Credit Limit	As visible in the OneCard app	As visible in the CSB Edge RuPay app
Cash Withdrawal Limit	As visible in the OneCard app	As visible in the CSB Edge RuPay app
Available Credit Limit	As visible in the OneCard app	As visible in the CSB Edge RuPay app
GST	18% applicable on all fees	18% applicable on all fees and charges

To learn more about the individual fees of the mentioned cards, click here and here for the CSB Bank Edge Credit Card and CSB One Co-Branded Credit Card, respectively.

Conclusion

CSB Bank credit cards offer value-packed benefits for different spending habits. The CSB One Co-Branded Credit Card is ideal for frequent travellers and high spenders who want premium benefits. In contrast, the CSB Bank Edge Credit Card is perfect for everyday users looking for cashback and affordability.

The CSB One Co-Branded Credit Card is the best fit if you frequently travel and dine out. However, the CSB Bank Edge Credit Card would be the right choice if you prefer cashback on essential expenses.

Explore these options and apply for the one that best suits your lifestyle!

FAQs Related to CSB Bank Credit Cards

What is the minimum credit score required for CSB Bank credit cards?

Typically, a credit score of 700+ is required for approval.

Can I convert purchases into EMIs?

Yes, purchases above ₹5,000 can be converted into easy EMIs.

Are there any hidden charges?

No, all charges are transparently listed in the card terms.

Apply today and enjoy exclusive benefits with CSB Bank credit cards!

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