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Co-branded credit cards are the ones that are launched in collaboration with well-known brands and offer exclusive benefits when users avail the products or services of the associated brands. These cards come with accelerated benefits which allow the brand’s loyal customers to save more on their spends. Today, several such cards that are co-branded with airlines, hotel chains, dining or food delivery apps, fuel, shopping and other lifestyle brands are available to choose from. Read below to know about some of the best co-branded credit cards available in India:

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Best Co-branded Credit Cards in India for November 2024

Best Co-branded Credit Cards for Travel Best Co-branded Credit Cards for Airlines
Best Co-branded Credit Cards for Shopping Best Co-branded Credit Cards for Fuel
Best Co-branded Cards for Dining/ Movies Other Co-branded Credit Cards

Jump to: Pros & Cons | How to choose the best card? | Check Eligibility for Top Cards

Best Co-branded Credit Cards for Travel
Best Co-branded Credit Cards for Shopping
Best Co-branded Credit Cards for Fuel
Best Co-branded Credit Cards for Dining & Entertainment
Other Popular Co-branded Credit Cards
Pros & Cons of Co-branded Credit Cards
How to Choose the Best Co-branded Credit Card?
Best Co-branded Credit Cards for Travel

Standard Chartered EaseMyTrip Credit Card

easemytrip-credit-card
3.5/5

Joining fee: ₹350

Annual/Renewal Fee: ₹350

20% discount on domestic & international hotel bookings via EaseMyTrip

10% discount on domestic & international flight bookings via EaseMyTrip

Travel
Co-branded
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Product Details

  • Save up to Rs. 5,000 on domestic hotel bookings and Rs. 10,000 on international hotel bookings via EaseMyTrip
  • Save up to Rs. 1,000 on domestic flight bookings and Rs. 5,000 on international flight bookings via EaseMyTrip
  • Flat Rs. 125 off on bus ticket bookings via EaseMyTrip
  • 10 reward points per Rs. 100 spent at standalone airline/hotel websites, mobile apps or outlets
  • 1 complimentary domestic lounge visit per quarter & 2 complimentary international lounge visits per year
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Yatra SBI Card

yatra-sbi-credit-card
3.5/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Yatra.com vouchers worth Rs. 8,250 as joining benefit

Up to Rs. 4,000 off on flight bookings through Yatra.com

Travel
Co-branded
Reward Points
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Product Details

  • Rs. 1,000 off on domestic flight bookings on a minimum transaction of Rs. 5,000 at Yatra
  • Rs. 4,000 off on international flight bookings on a minimum transaction of Rs. 40,000 at Yatra
  • 20% off on domestic hotel bookings on a minimum transaction value of Rs. 3,000 at Yatra
  • 6 reward points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment & international spends
  • 1 reward point per Rs. 100 spent on other categories
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MakeMyTrip ICICI Bank Signature Credit Card

makemytrip-icici-bank-signature-credit-card
3.5/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹0

MMT holiday voucher worth Rs. 2,500

Up to 4 My Cash per Rs. 200 spent at MMT

Travel
Co-branded
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Product Details

  • 4 My Cash per Rs. 200 spent on MMT hotel/ holiday bookings & 2 My Cash per Rs. 200 spent on MMT flight bookings
  • Up to 4,000 My Cash every year as milestone benefit
  • 2 complimentary domestic lounge access every quarter
  • 1 complimentary railway lounge access every quarter
  • 25% off up to Rs. 150 twice a month on booking min. 2 movie tickets via BookMyShow and INOX
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IRCTC SBI Card Premier

irctc-sbi-card-premier
3/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

10% valueback on AC1, 2 & 3, ECC & CC bookings via IRCTC

Rewards redeemable on IRCTC in 1:1 ratio

Travel
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Product Details

  • 2,500 and 5,000 reward points on Rs. 50,000 and Rs. 1 lakh annual travel spends respectively
  • Rs. 10 lakh rail accident insurance, Rs. 50 lakh air accident cover & Rs. 1 lakh fraud liability cover
  • Save 1% transaction charges on IRCTC railway tickets & 1.8% transaction charges on IRCTC airline tickets
  • 8 complimentary visits to railway lounge in a year (Max. 2 per quarter)
  • 3 reward points per Rs. 125 spent on dining & utilities & 1 reward point per non-fuel retail spends
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Marriott Bonvoy HDFC Credit Card

marriott-bonvoy-hdfc-credit-card
3/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

Marriott Bonvoy Silver Elite status with 4x MB Points on partner hotel spends

12 airport lounge access each within and outside India per year

Travel
Co-branded
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Product Details

  • 1 free night award and 10 Elite night credits as joining bonus
  • 2 complimentary golf access with green fee waiver per quarter across the world
  • 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
  • 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
  • 1 free Night Award each on reaching Rs. 6 lakh, Rs. 9 lakh and Rs. 15 lakh annual spends
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Suggested read: Best Credit Cards for Travel | Check Eligibility for Top Cards

Best Airline Co-branded Credit Cards

Club Vistara IDFC FIRST Credit Card

club-vistara-idfc-first-credit-card
4/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

6,000 CV Points on spending Rs. 30,000 per month in the 1st 3 months

Up to 5 Premium Economy tickets as milestone benefits

Travel
Co-branded
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Product Details

  • 1 Premium Economy ticket, 1 class upgrade & 3 month EazyDiner Prime Membership as welcome bonus
  • Complimentary Club Vistara Silver Membership
  • Up to 6 CV Points for every Rs. 200 spent
  • 2 complimentary visits to domestic lounges and spas per quarter
  • 12 complimentary golf lessons and 4 golf rounds per year
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Axis Bank Vistara Signature Credit Card

axis-bank-vistara-signature-credit-card
4/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

Up to 4 free Premium Economy Class tickets

Complimentary Club Vistara Silver membership

Travel
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Product Details

  • Complimentary Club Vistara membership
  • 4 CV Points for every Rs. 200 spent
  • Up to 4 complimentary Premium Economy Class tickets as milestone benefits
  • 3 complimentary rounds of golf every year
  • 3,000 bonus CV Points on spending Rs. 75,000 in the first 90 days
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HDFC Intermiles Signature Credit Card

jet-privilege-hdfc-bank-world-credit-cards
3.5/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹2500

Complimentary InterMiles Silver Membership

Up to 12 InterMiles per Rs. 150 spent on flight and hotel bookings

Travel
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Product Details

  • Discount voucher of Rs. 750 on return flight tickets booked via InterMiles for the first year
  • Discount voucher of Rs. 2,000 on hotel bookings for the first year as renewal benefit
  • 3,000 InterMiles on spending Rs. 6,000 within the first 30 days of the Anniversary date
  • 5% off on Economy Class ticket & 10% off on Business Class ticket booking of Etihad Airways
  • Complimentary Dineout Membership
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Air India SBI Signature Credit Card

air-india-sbi-signature-credit-cards
3.5/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

20,000 reward points and complimentary Air India Frequent Flyer program membership as welcome benefits

Up to 1 Lakh bonus reward points as milestone benefit every year

Travel
Co-branded
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Product Details

  • Up to 30 reward points for every Rs. 100 spent on Air India
  • Redeem reward points at a value of 1 Reward Point = 1 Air Mile
  • 5,000 bonus reward points every year on card renewal
  • 8 complimentary domestic lounge access every year
  • Complimentary Priority Pass Membership
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Kotak IndiGo 6E Rewards XL Credit Card

kotak-indigo-ka-ching-6e-rewards-xl-credit-card
3.5/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹2500

8 complimentary domestic airport lounge access per year

Up to 6% rewards on spends across different categories

Travel
Co-branded
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Product Details

  • Rs. 3,000 IndiGo ticket & Rs. 1,099 6E Prime add-ons as welcome gift
  • Rs. 150 off on the convenience fee on IndiGo bookings
  • 6 reward points per Rs. 100 spent on IndiGo flight
  • 3 reward points per Rs. 100 spent on dining, grocery & entertainment
  • 2 reward points per Rs. 100 spent on other categories
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Suggested read: Best Credit Cards for International Travel | Check Eligibility for Top Cards

Best Co-branded Credit Cards for Shopping

Amazon Pay ICICI Credit Card

icici-bank-amazon-pay-credit-card
3.5/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Up to 5% cashback on Amazon purchases

1% cashback across all offline spends

Co-branded
Cashback
Online Shopping
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Product Details

  • 5% cashback on Amazon spends for Prime members
  • 3% cashback on Amazon spends for Non-prime members
  • 2% cashback on spends at Amazon Pay partner merchants
  • 1% cashback on other spends
  • 1% waiver on fuel surcharge across all petrol pumps in India
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Flipkart Axis Bank Credit Card

flipkart-axis-bank-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

5% cashback on transactions at Flipkart and Cleartrip

4% cashback on partner merchants, like Swiggy, PVR, Uber, etc.

Co-branded
Cashback
Online Shopping
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Product Details

  • 1% cashback across other spends
  • 4 complimentary domestic airport lounge visits in a year on spending at least Rs. 50,000 in a year
  • Activation benefits worth Rs. 600 from Flipkart and Swiggy
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000
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Myntra Kotak Credit Card

myntra-kotak-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

7.5% off up to Rs. 750 per transaction on Myntra

Unlimited 1.25% cashback on other spends

Co-branded
Cashback
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Product Details

  • 7.5% off up to Rs. 750 per transaction on Myntra
  • 5% cashback up to Rs. 1,000 per month on Swiggy, Swiggy Instamart, PVR, Cleartrip & Urban Company
  • 1.25% cashback across all other transactions
  • 2 complimentary PVR tickets of Rs. 250 each on Rs. 50,000 quarterly spends
  • 1% fuel surcharge waiver of up to Rs. 3,500 in a year on fuel spends of Rs.500 to Rs. 3,000
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Tata Neu Infinity HDFC Credit Card

tata-neu-hdfc-bank-credit-cards
3.5/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands

8 domestic and 4 international Priority Pass lounge access per year

Travel
Shopping
Co-branded
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Product Details

  • 1,499 NeuCoins after the first spend within 30 days of card issuance
  • 1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
  • Additional 5% NeuCoins on select spends at Tata Neu app/website
  • Low forex markup fee of 2%
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Suggested read: Best Credit Cards for Online Shopping | Check Eligibility for Top Cards

Best Co-branded Credit Cards for Fuel

BPCL SBI Card Octane

sbi-bpcl-credit-card-octane
4/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

7.25% value back on BPCL fuel expenses

10X rewards on dining, movies, groceries & departmental store spends

Co-branded
Fuel
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Product Details

  • 25 reward points per Rs. 100 spent on BPCL fuel, lubricants & Bharat Gas; 1 reward point on others
  • 1% fuel surcharge waiver, up to Rs. 100 per month, on BPCL fuel spends of up to Rs. 4,000
  • 6,000 reward points as welcome bonus on fee payment, 1 RP = Rs. 0.25
  • 4 complimentary visits per year to domestic Visa lounges in India
  • Fee waived on Rs. 2 lakh annual spends & Rs. 2,000 e-gift voucher on Rs. 3 lakh annual spends
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ICICI HPCL Super Saver Credit Card

hpcl-super-saver-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Up to 6.5% savings on HPCL fuel spends

5% back on grocery & utilities

Fuel
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Product Details

  • 4% cashback, max. Rs. 200 per month, on HPCL spends & 1% on fuel surcharge
  • Save additional 1.5% as 6 reward points per Rs. 100 spent on HPCL fuel via the HP Pay app
  • 2 reward points per Rs. 100 spent on other retail purchases, 1 RP = Rs. 0.25
  • Rs. 100 cashback on recharge via HP Pay app & 2,000 reward points as joining bonus
  • 1 domestic airport lounge access per quarter on spending Rs. 35,000 in the previous quarter
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IndianOil Axis Bank Credit Card

indianoil-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Save up to 5% on IOCL fuel spends

1% back as 5 EDGE reward points per Rs. 100 spent on online shopping

Co-branded
Fuel
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Product Details

  • 4% back as 20 EDGE reward points per Rs. 100 spent on IOCL fuel
  • 1% fuel surcharge waiver of up to Rs. 50 per month on fuel spends of Rs. 400 to Rs. 4,000
  • 1 EDGE reward point per Rs. 100 spent on other spends, 1 EDGE reward point = Rs. 0.20
  • 100% cashback, up to Rs. 250, as EDGE rewards on the 1st fuel spend made within the 1st 30 days
  • Annual fee waived off on Rs. 3.5 lakh annual spends and up to 15% off on dining via EazyDiner
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IDFC FIRST Power+ Credit Card

hpcl-idfc-first-power-and-power-plus-credit-cards
3.5/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 6.5% value-back on HPCL fuel spends

30 rewards per Rs. 150 spent on grocery, utilities & IDFC FIRST FASTag

Co-branded
Reward Points
Fuel
Check Eligibility

Product Details

  • 5% savings as 30 rewards per Rs. 150 spent on HPCL fuel & LPG
  • 1.5% savings as 6 Happy Coins per Rs. 100 spent on HP Pay app
  • 3 rewards per Rs. 150 spent on UPI & other purchases, 1 RP = Rs. 0.25
  • 1 complimentary domestic airport lounge access per quarter on min. monthly spends of Rs. 20,000
  • 25% off, up to Rs. 100, on movie tickets once per month & annual fee waived on Rs. 1.5 lakh annual spends
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Suggested read: Best Fuel Credit Cards in India | Check Eligibility for Top Cards

Best Co-branded Credit Cards for Dining & Entertainment

Swiggy HDFC Bank Credit Card

swiggy-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10% cashback on Swiggy food orders, Instamart, Dineout & Genie

5% cashback on online spends

Dining
Co-branded
Cashback
Check Eligibility

Product Details

  • 1% cashback on other spends
  • Up to Rs. 3,500 cashback in a month
  • 3-month Swiggy One Membership worth Rs. 1,199 on card activation
  • Renewal fee waived off on Rs. 2 lakh annual spends
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EazyDiner IndusInd Bank Credit Card

eazy-diner-indusind-bank-credit-card
3/5

Joining fee: ₹1999

Annual/Renewal Fee: ₹1999

Complimentary 12-month EazyDiner Prime membership

10 reward points per Rs. 100 dining, entertainment & shopping spends

Dining
Co-branded
Check Eligibility

Product Details

  • 2,000 EazyPoints and Rs. 5,000 Postcard Hotel voucher as welcome bonus
  • 3X EazyPoints on every spend & extra 25% off on dining/take-away on paying via PayEazy on EazyDiner app
  • Complimentary alcoholic beverage for every diner at select restaurants
  • Up to 8 complimentary domestic lounge visits in a year
  • 2 complimentary movie tickets worth Rs. 200 each on BookMyShow per month
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PVR INOX Kotak Credit Card

pvr-inox-kotak-credit-card
3.5/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

Free movie tickets worth Rs. 300 each every month

Flat 20% off on food & beverages at PVR

Movies
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Product Details

  • Flat 5% off on movie tickets at PVR INOX theatre, app & website
  • Flat 20% on food and beverages at PVR INOX theatre, app & website
  • Complimentary access to premium PVR INOX in-cinema lounges
  • 1 free PVR INOX movie ticket worth Rs. 300 each on every Rs. 10,000 spent in a cycle
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RBL Bank Play Credit Card

bookmyshow-play-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Up to Rs. 500 off on BookMyShow movies per month

Movies
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Product Details

  • 2 BookMyShow tickets with up to Rs. 250 off on each once a month on Rs. 5,000 monthly spends
  • Up to Rs. 100 off on food & beverage items purchased during the movie booked via BookMyShow
  • 1% fuel surcharge waiver up to Rs. 100 per month on spends of Rs. 500 to Rs. 4,000
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Suggested read: Best Dining Credit Cards in India | Check Eligibility for Top Cards

Other Popular Co-branded Credit Cards
Credit Card Annual Fee Best Suited For Key Benefits
Airtel Axis Bank Credit Card Rs. 500 Utility Bill Payment & Online Shopping
  • 25% cashback on Airtel Mobile, broadband, WiFi and DTH bill payments through the Airtel Thanks app
  • 10% cashback on utility bill payments through the Airtel Thanks app
  • 10% cashback on transactions at Swiggy, Zomato and BigBasket
Nature’s Basket SBI Credit Card Rs. 1,499 Grocery
  • Complimentary access to ‘Epicure’ Nature’s Basket loyalty program
  • 10 reward points on every Rs. 100 spent on Nature’s Basket
  • 5 reward points on every Rs. 100 spent on dining, travel & entertainment
Pros & Cons of Co-branded Credit Cards
Pros Cons
Accelerated rewards, discount or other benefits on the collaborated brand Limited options for earning enhanced rewards or other benefits
Exclusive memberships of premium hotels or airlines, such as JW Marriott or Vistara Temptation to spend more than you can afford to avail accelerated benefits
Cardholders can earn free movie/ flight tickets from collaborated brand as milestone benefits Rewards offered are restricted to the collaborated brand, such as CV Points for Club Vistara

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How to Choose the Best Co-branded Credit Card?

Here are a few things that you should keep in mind to find the best co-branded credit card:

Analyze your spends

Before applying for a credit card, it is important to analyze your spends and income to make a well-informed decision. Credit cards come with benefits across various categories, such as travel, dining, shopping, and more. The ideal credit card for you would be one that fulfills your needs and requirements. For instance, if you often make online purchases, having a credit card with accelerated benefits on online shopping would be more beneficial than one with similar benefits across all spends.

Choose preferred brands

After analyzing your spending habits, the next step is to identify where you spend the most, particularly if you have a preference for specific brands. If you are loyal to a specific brand, having a card with accelerated benefits on that particular brand can significantly boost your overall savings. For instance, if you frequently shop online from brands like Flipkart, Amazon, and Myntra, opting for a co-branded card like Amazon Pay ICICI, Flipkart Axis, or Myntra Kotak would be beneficial compared to a card that offers similar rewards or cashback across all brands.

Shortlist and compare cards

Another step in finding the ideal card is to narrow down a selection of credit cards that align with your requirements and preferences. Once you have a shortlist, the next step is to compare credit cards offered by various issuers to identify the most suitable one as per your needs. Consider factors such as annual fee, co-branded benefits, rewards or cashback programs, and additional perks during your comparison. Having a card with accelerated benefits on the partnered brand, along with basic benefits on other brands, can enhance your overall savings.

Take into account the annual fee

Most of the credit cards come with joining and annual fee. Firstly, you need to figure out how much you are willing to pay. Many cards offer an annual fee waiver on achieving a spending milestone. Therefore, it is important to analyze the overall benefits and value offered by the card to determine whether the annual fee is justified or not. If you do not want to pay an annual fee, you can opt for lifetime-free cards such as Amazon Pay ICICI. On the other hand, if you can afford to pay an annual fee, you may consider credit cards that come with higher benefits.

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2 Comments
VINOD
June 8, 2023

I AM POLICY BAZAR AND I am AIRTEL CUSTOMER. I need AIRTEL AXIS CREDIT CARD.
HAVE APPLIED IN MARCH 2023, THROUGH THANKS APP. Application reference number: C1-00000037113710-C1.
IT IS STILL UNDER REVIEW WITH AXIS BANK.
STATUS IS SAME FOR THE LAST 2 MONTHS.
CAN YOU HELP?

Reply
Team PaisaBazaar
June 8, 2023

You can ask for assistance from the Axis Bank credit card customer care if your application status is not updated on the online Axis Bank application tracker. You can call on these numbers – 1860 419 5555 or 1860 500 5555 if you are calling from India. If you are calling from outside India, you may call on +91-22-67987700.

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