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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.
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.
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.
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 on all other transactions, and 10 reward points equal . |
The eligibility criteria for applying for the CSB One Co-Branded Credit Card include the following:
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.
The CSB Bank Edge Credit Card is tailored for customers who prefer a no-frills card with attractive cashback and affordability.
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. |
The eligibility criteria for applying for the CSB Bank Edge Credit Card include the following:
Applying for a CSB Bank credit card is simple and can be done through both online and offline methods.
Online Application
Offline Application
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 |
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.
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!
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!
Other Credit Cards | ||
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.
GST on surcharge = ₹5.40 Total extra charge = ₹35.40
Final amount paid after waiver = ₹3,005.40
|
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.
|
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.
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:
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. |
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. |
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.
Sarah will be charged ₹125 as a cash advance fee. | 3.5% monthly and 42% annually.
Alex needs ₹10,000 in cash and uses his CSB Edge Credit Card to withdraw from an ATM.
Alex will be charged ₹350 as a cash advance fee. |
Forex Markup Fee | 1% of the transaction amount. Example:
| 3.5% on every international transaction. Example:
|
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 |
