M16S / CSB Bank / CSB Bank OneCard (CSB One Co-Branded Credit Card)
mid · cobrand, rewards, lifetime-free
CSB Bank OneCard (CSB One Co-Branded Credit Card)
The CSB Bank OneCard (CSB One Co-Branded Credit Card) charges no annual fee and no joining fee. Its base return is 0.2% (1 RP per Rs 50 (fractional points earned)). Accelerated earn: 5X RP on the top 2 spend categories of the month when spending in at least 3 categories. The forex markup is 1%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.2%
- Forex markup
- 1%
- Interest
- 3.75%a month
What changed on this card
- CSB OneCard stops reward points on bills and utilities, Aug 2026
From 12 August 2026 bills and utilities payments earn no reward points and do not count for 5X rewards. Source: CSB Bank, csb.bank.in, read 28 Oct 2026
- CSB OneCard raises rent and wallet transfer fees from 1% to 2%, Dec 2025
From 1 December 2025 rent payments on third-party apps carry a 2% transaction fee, up from 1% until 30 November 2025. Monthly transfers to wallets or bank accounts above Rs 10,000 also move from a 1% to a 2% fee, charged on the full amount. Source: CSB Bank, csb.bank.in, read 28 Oct 2026
- CSB OneCard needs Rs 750 in each of 3 categories for 5X rewards, Jan 2025
From 6 January 2025 the 5X reward points on the top 2 spend categories of a month need a minimum spend of Rs 750 in each of the 3 categories used to qualify. The base earn stays 1 reward point per Rs 50. Source: CSB Bank, csb.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free. Cancellation within 6 months of virtual card activation: Rs 3,000 (metal) / Rs 500 (plastic). Replacement: 2nd plastic Rs 145, 3rd onward Rs 500, metal Rs 3,000. Add-on issuance Rs 3,000 appears in the KFS table. |
Rewards
| Reward currency | Reward Points |
|---|---|
| Base earnunverified | 1 RP per Rs 50 (fractional points earned) |
| Base return | 0.2% |
| Point valueunverified | 1 RP = Rs 0.10 (aggregator figure) |
| Accelerated earnunverified | 5X RP on the top 2 spend categories of the month when spending in at least 3 categories |
| Spends that earn nothingunverified | Money transfers, rent, fuel, cash withdrawals, wallet loads. |
| Points expiryunverified | No expiry; nullified if card unused for 365 days |
| Reward notes | base_return_pct = 1 RP / Rs 50 x Rs 0.10; about 1% on 5X categories. Earn rules read from the OneCard programme terms (SIB version); CSB's own T&C PDF was not opened. No redemption fee (KFS). |
Travel and perks
| Domestic loungeunverified | None |
|---|---|
| International loungeunverified | None |
| Forex markup | 1% |
| Fuel surcharge waiver | 1% waiver, cap Rs 400 per month |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 250 outstanding; Rs 250 for Rs 251-1,000; Rs 500 for Rs 1,001-5,000; Rs 1,000 for Rs 5,001-25,000; Rs 1,250 above Rs 25,000 |
| Cash advance fee | 2.5% of amount withdrawn |
| Fine-print notes | KFS effective 15 Dec 2025: rent payments 2% fee and wallet loads 2% (on cumulative Rs 10,000+ a month) from 1 Dec 2025. Network (Mastercard) is from the launch press headline, not the KFS. Applied for and serviced in the OneCard app. |
Questions
- What is the annual fee of the CSB Bank OneCard (CSB One Co-Branded Credit Card)?
- No annual fee.
- Does the CSB Bank OneCard (CSB One Co-Branded Credit Card) give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the CSB Bank OneCard (CSB One Co-Branded Credit Card)?
- 1% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the CSB Bank OneCard (CSB One Co-Branded Credit Card)?
- Money transfers, rent, fuel, cash withdrawals, wallet loads.