Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Co-Branded Credit Cards India

    We found 11 Co-Branded Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    Reduced to 0 if annual spends > 30,000 1000
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    500
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    Fee Details
    499
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    Fee Details
    Reduced to 0 If new current/savings account opened 1000
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 If new Current/Savings Account is opened 10000
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 If new current/savings account opened 1000
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 On spends of 1 lakh+ in 90 days of card setup/EasyEMI/SmartPay 10000
    100% PAPERLESS APPROVAL
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    Fee Details
    Reduced to 0 Waived for Citi Priority customers 3000
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    Fee Details
    3000
    100% PAPERLESS APPROVAL
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    3500
    100% PAPERLESS APPROVAL
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    1500
    100% PAPERLESS APPROVAL
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    Best Co-Branded Credit Cards
    Co-Branded Credit Cards

    A co-branded credit card is issued by a bank in association with a second party which could be a retail partner, travel website, sports league or a premium hotel chain. A co-branded credit card is sponsored by both the entities and is designed to carry features from both. Depending on the partner, the bank has tied up with, customers can enjoy benefits while making purchase transactions.

    Co-branded credit cards come with various offers, incentives and discounts and are affiliated with retail merchants. As per the recent trend, banks have been tying up with e-commerce websites to introduce co-branded credit cards. Fuel and airline credit cards are some of the most common co-branded credit cards where rewards points can be redeemed for air miles, flight awards, products and class upgrades.

    Benefits Of Owning A Co-branded Credit Card In India

    • As co-branded credit cards are issued in association with leading payment processing gateways like MasterCard or Visa, it is accepted worldwide. You can shop from any merchant’s outlet across the globe.
    • Compared to a basic credit card, co-branded credit cards offer great offers and discounts as it exclusively designed for this purpose.
    • Some co-branded credit cards do not levy finance charges on EMI (Equated Monthly Instalment) transactions.
    • SOme co-branded credit cards allow their cardholders to redeem their reward points on flight or hotel bookings making your travel cheaper.
    • Many co-branded credit cards offer excellent discounts on dining and entertainment bills which means you save while you spend.

    Flipkart and Axis Bank launch co-branded credit card with unlimited cashback

    E-commerce giant Flipkart and Axis Bank have launched a co-branded credit card which offers unlimited cashback on your transactions.

    With a fee of Rs.500, this card gives you 5% unlimited cashback on Flipkart, 2GUD, and Myntra transactions. All other transactions earn you an unlimited cashback of 1.5%.and a four free visits to airport lounges in India each year.

    Top Co-Branded Credit Cards in India

    The key features of a few popular co-branded credit cards have been explained below -

    SimplyCLICK SBI Card:

    State Bank of India offers the SimplyCLICK SBI Card in collaboration with Amazon India, Cleartrip, LensKart, FabFurnish, BookMyShow, Foodpanda and Ola Cabs. This co-branded credit cards provides card users with excellent benefits on online shopping with opportunities to earn 10X rewards points. SimplyCLICK SBI Card can enjoy privileges like login gifts from Amazon, e-shopping rewards from all the partners, e-vouchers for milestone spends, fuel surcharge waivers and annual fee reversals when the spend exceeds Rs. 1 lakh. Other cashback offers can be got from Cleartrip, Bookmyshow, Fabfurnish and OLA. Customers can use the SimplyCLICK SBI Card across the globe at any merchant outlet. Some of the other benefits of the card include add-on cards, cash withdrawals, railway ticket bookings, utility bill payments, EMI conversions, easy money and balance transfer. The annual fees and joining fees charged for the SimplyCLICK SBI Card is Rs. 499. The annual fee will be waived off if the previous year’s purchase is more than Rs. 1 lakh. No fee is charged for add-on credit cards. The finance charges applicable on extended credit for the SimplyCLICK SBI Card is 3.35% per month.

    Yatra SBI credit card:

    State Bank of India offers the Yatra SBI credit card in collaboration with Yatra.com. As welcome gifts, card holders can get a cashback of Rs. 100 when they make their first cash withdrawal. Customers can get travel vouchers from Yatra.com for a value of Rs. 8250, once the joining fee has been paid. Customers can get 6X rewards points, fuel surcharge waivers, complimentary lounge access, add-on card feature, etc. Some of the other benefits of the card include add-on cards, cash withdrawals, railway ticket bookings, utility bill payments, EMI conversions, easy money and balance transfer. The annual fees and joining fees charged for the Yatra SBI credit card is Rs. 499. The annual fee will be waived off if the previous year’s purchase is more than Rs. 75,000. No fee is charged for add-on credit cards. The finance charges applicable on extended credit for the Yatra SBI credit card is 3.35% per month.

    IRCTC SBI Platinum Credit Card:

    As welcome gifts, IRCTC SBI Platinum Credit Card holders can get 350 bonus rewards points when Rs. 500 is spent within 45 days of card issue and also a cashback of Rs. 100 when they make their first cash withdrawal. Railway tickets booked on irctc.co.in for AC1, AC CC and AC2 can get customers a value back of 10% in the form of rewards points. Other purchase can get customers 1 rewards point for every Rs. 150 spent. IRCTC also provides various travel offers and privileges including booking of flight tickets. The other benefits included under this card are fuel surcharge waiver and transaction charge waiver. Customers can also get various offers from Visa and features like add-on cards, cash withdrawals, utility bill payments, EMI conversions, easy money and balance transfer. The annual fees charged for the IRCTC SBI Platinum Credit Card is Rs. 300 and the joining fees charged will be Rs. 500. No fee is charged for add-on credit cards. The finance charges applicable on extended credit for the IRCTC SBI Platinum Credit Card is 3.35% per month.

    JetPrivilege HDFC Bank World Credit Card:

    The JetPrivilege HDFC Bank World Credit Card has been introduced as part of the JetPrivilege program and HDFC Bank. Customers can earn EXTRA JP Miles using this card. International and domestic flight tickets bought using this card on jetairways.com can get customers a discount of 5% on the base fare. As part of enrolment benefits, customers can get a complimentary Jet Airways ticket, a discount voucher of Rs. 750 which can be used on Jet Airways, extended Miles expiry, a bonus of 5000 Miles if the spend exceeds Rs. 75,000, a first swipe bonus of 5000 JP Miles, within the first 90 days. On renewal, customers can get a bonus of 4000 JP Miles and a discount voucher of Rs. 750 which can be used on Jet Airways. The MasterCard Lounge Program also offers access to premium lounges across the country. Other benefits include JetPrivilege Tier Points, Excess Baggage Allowance, Dedicated Check-In Counter, Priority Pass Membership and fuel surcharge waiver. The annual fees and the renewal fees charged for the JetPrivilege HDFC Bank World Credit Card is Rs. 2500. Annual fees will be zero until the customer is a member of the JetPrivilege Platinum tier.

    Axis Bank Miles & More Credit Cards:

    The Axis Bank Miles & More Credit Card is offered by Axis Bank in association with Lufthansa. Miles and More is a travel loyalty program provided by Lufthansa, SWISS Air and Austrian Airlines along with few other major airlines. Axis Bank offers two co-branded cards - World Select Card and World Card under this program. The World Select Card comes with welcome offers of 15,000 miles and 4,000 annual miles. Customers can earn 6 miles for every Rs. 200 spent on all eligible spends and 20 miles for every Rs. 200 spent on movie tickets booked using the World Select Card. The World Card comes with welcome offers of 5,000 miles and 3,000 annual miles. Customers can earn 4 miles for every Rs. 200 spent on all eligible spends and 20 miles for every Rs. 200 spent on movie tickets booked using the World Card. Accrued miles do not come with a validity period and can be used anytime by the customer. Miles can be redeemed for flight booking, class upgrades, car rentals, hotel bookings, shopping and other exciting gifts. Customers can also get Lost Card Liability cover, travel benefits, international airport lounge access, fuel surcharge waiver, EMMI conversion facility, etc.

    Jet Airways IndusInd Bank Odyssey Credit Card:

    The Jet Airways IndusInd Bank Odyssey Credit Card has been introduced as part of the JetPrivilege program and IndusInd Bank. As joining benefits customers can get 15,000 bonus JP Miles and a domestic flight ticket with the base fare waived off. Renewals can get customers 5000 JP Miles and a domestic flight ticket with the base fare waived off. Online bookings done on jetairways.com can get customers 5% discounts. Other benefits include Bon Vivant dining membership, Excess Baggage Allowance, Dedicated Check-In Counter, Priority Pass Membership, fuel surcharge waiver, wellness offers, golfing deals, concierge assistance and insurance in the form of Counterfeit Card Liability, cover against Unauthorized Transactions and Air Accident Cover. The annual fees charged from the second year for the Jet Airways IndusInd Bank Odyssey Credit Card is Rs. 4000 and joining fee charged is Rs. 10,000. The Jet Airways IndusInd Bank Odyssey Credit Card is available as Visa and American Express variants.

    First Citizen Citibank Titanium Credit Card:

    As welcome offers, customers can get First Use Benefit Vouchers worth Rs. 500, Shoppers Stop vouchers for Rs. 500 and Citibank Reward points for Rs. 350. Customers can earn 7 rewards points for every Rs. 100 spent using the First Citizen Citibank Titanium Credit Card. Card holders can get exclusive in-store privileges, payment counters and sale previews from Shoppers Stop. The annual fee on the car will be waived off if the customer spends more that Rs. 30,000 for an entire year. First Citizen Citibank Titanium Credit Card holders can also get attractive wellness offers from premium spas and beauty salons. Accrued First Citizen Points can be redeemed for purchases at any Shoppers Stop outlet and also on the Shoppers Stop website. Citibank offers exclusive concierge privileges, dining and shopping benefits along with the EMI conversion facility to card holders. Value added services on the First Citizen Citibank Titanium Credit Card include instant loans, EMI and easy payment options and convenient balance transfer plans for customers. The interest rate charged on the First Citizen Citibank Titanium Credit Card is 3.25% per month. No fee is charged for supplementary credit cards.

    How To Apply For A Co-branded Credit Card Online?

    You can apply for a co-branded credit card by visiting the respective bank’s website or through an authorised third party website such as BankBazaar. While the specific bank’s website allows you to access its own credit cards, websites like BankBazaar allow you to find credit cards offered by various banks and financial institutions, enabling you to compare and find the best product available in the market. Let’s look at the process to apply for a co-branded credit card online.

    Apply Through Bank’s Website

    As mentioned above, you can visit the respective bank’s website to apply for a co-branded credit card. However, before applying for one, go through various credit cards offered by the bank and choose one that suits your requirement. Once, you selected the card, follow the instructions below to apply for it online.

    • Steps to apply for a co-branded credit card online
      • Visit online website of the respective bank
      • Go to the co-branded credit card page
      • Click on ‘Apply’ button
      • You will be redirected to an online application page, where you need to enter all the required details before submitting the form

    Upon successful submission of the credit card application, the system will generate an application reference number, which should be retained for future queries, if any.

    The bank, after receiving the application, checks your eligibility for the applied card and if your profile meets the eligibility, you will be informed about further application process through phone call or e-mail.

    Banks typically take 7-10 days to process a credit card application, provided the applicant clears the verification checks and meets the eligibility criteria. If you wish to check your application status, you can use the track application feature available on most bank websites to know how far the bank has processed the application.

    Apply through BankBazaar website

    BankBazaar is one of the authorised service providers of financial products. It partnered with more than 50 banks and features most of the financial products offered by the banks on its online platform. By providing comprehensive coverage about each credit card product, the company provides an unbiased platform to compare and shop for various financial products.

    Applying for a co-branded credit card through BankBazaar is also simple and convenient. You can visit the online website or download the mobile app to apply for any credit card listed on the site. A detailed procedure to apply for a co-branded credit card is provided below.

    • Steps to apply for a co-branded credit card through BankBazaar
      • Go to www.bankbazaar.com or login to BankBazaar mobile app
      • From the main menu, choose ‘Credit Cards’
      • Select co-branded credit cards under the category filter to get a list of all the cards
      • Find the card that suits your requirements
      • Click on ‘Check Eligibility’ to know whether or not you’re eligible to apply for the card
      • If you’re eligible, you will be taken to an online credit card application page, where you need to enter all the required details and click on ‘Submit’

    As soon as you hit ‘Submit’, an ‘Application ID’ will be generated confirming the submission of application. The application ID can be used to know the status of your application through BankBazaar’s ‘Track Application’ feature, which is available on the website as well as on the app.

    Eligibility To Apply For A Co-branded Credit Card

    The eligibility criteria for co-branded credit cards vary for each card and for each bank. Listed below are the basic eligibility criteria set by most of the banks:

    • Applicant should be an Indian citizen
    • Salaried or self-employed
    • Should have a good credit history (Not applicable for first time borrowers)
    • Minimum age of the applicant should be 21 years and maximum age is 60 years

    Documents Required To Apply For A Co-branded Credit Card

    The required documents to apply for a co-branded credit card are mentioned below. While applying for a specific bank, it’s recommended to check the bank’s website for specific documents as required by the bank.

    • Copy of identity proof such as Aadhaar card, passport, etc.
    • Copy of address proof document such as Voter’s ID, Aadhaar, driving license, electricity bill, passport, etc., whichever holds your current address
    • PAN card copy
    • Two months salary slips or IT Returns
    • Duly signed in application
    • 1 passport size photograph

    If you aren’t sure which co-branded credit card to pick, visit neutral financial advisory websites like Bankbazaar and choose from a wide range of co-branded credit cards available in the market.

    Co-Branded Credit Cards FAQ's

    1. What are the finance charges that are applicable on the extended SimplyCLICK SBI Card?
    2. The charge for the extended credit for this card is 3.35% per month.

    3. Are there any Citibank co-branded credit cards?
    4. Yes, there is a First Citizen Citibank Titanium Credit Card with which you can earn 7 reward points every time you spend Rs.100.

    5. What do I do if I do not have a passport as identity or address proof?
    6. That is not a problem as you can always submit your Aadhaar card for address and identity proof.

    7. How long does it take to get my application approved?
    8. Banks would usually take around 7-10 working days to fully process your application for a credit card.

    9. Is it easy to get these co-branded credit cards?
    10. Yes, you can easily apply for any co-branded credit card of your choice through the bank’s website. Once you fill in a form and submit it, your application will be processed.

    11. What are the eligibility criteria for applying for a co-branded credit card?
    12. You need to be a citizen of India, a salaried person, should have a good credit score and be between 21 and 60 years of age.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Co-Branded Credit Cards Reviews

    • RBL Bank Credit Card
      "Easy to convert for EMI "
      0.5 4.0/5 "Great!"
      I got RBL card offer from BAJAJ Finance. I have been using this card past 10 months which is a life time free card. The credit limit is sufficient of 55K. EMI conversion is avail and I can convert via mobile app whenever required with nominal charge. I use this card for general purpose. Based on usage I get points but not yet redeem it.
      Was this review helpful? 58
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      SBI credit card have offers and reward points but I have not redeem them yet, this is a domestic card, the credit limit is of 50000 which I am very much satisfied as per my need. I got my statement on time. I used this card for personal purposes.The card is very user friendly.
      Was this review helpful? 63
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
      Was this review helpful? 55
      , hyderabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      The bank agent suggest me to take credit card from INDUSIND and I have taken it because it doesn't have any annual fee. The offer and reward points are available in the card are good. I am satisfied with the limit of the card. I used the card for general purposes. But it will be nice, if the offers and reward points will be more.
      Was this review helpful? 43
      , jaipur
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am using INDUSIND credit card for 3 months. The card have no offers available and also there is no rewards. The only benefit is that its a life time free card and the credit limit is only for 75000 I am not that satisfied as i expected to get around 1.5 lakh. Apart from the limit over all experience is good.
      Was this review helpful? 42
      , chennai
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have got INDUSIND credit card few months ago and I have used it for two months now ,the credit limit of the card is Rs.70000 which is a life time free card. The bank have informed me every details about the reward points and offers but I have not got any time check it. I am satisfied with their card service.
      Was this review helpful? 43
      , hyderabad
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Am having ICICI credit card for two years, I feel good and have not face any issues. The best part about the card is its a life time free card. I used to get my card statement on time. I used this card for shopping, groceries and for many other personal purposes.I am using the bank mobile app which function smooth and simple.
      Was this review helpful? 53
      , faridabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 2-3 months, but I have not got any time to check about the offers available in the card. The limit of the card is 38000 and I am satisfied because its a life time free card. I used to get my card statement on time and the net banking is also working very well.
      Was this review helpful? 60
      , faridabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      Since it is a life time free card offer from INDUSIND so I chosen it and applied through online. I received a call on time and they have done the verification process. Hence I received the card by 7 days, the credit limit is okay for me. Its easy to use for all purposes.
      Was this review helpful? 40
      , chennai
      Reviewed on Mar 21, 2020
    • Citibank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      CITI has provided good offers and benefits on 2 months before. So I chosen this card and applied through online. It is annual fee chargeable of 500 rupees bu there is waiver off option if I spend 30K within a year. The credit limit is 65K. There is EMI conversion avail for this card.
      Was this review helpful? 39
      , coimbatore
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have used credit card from HDFC bank for 1 year which is very good and also very comfortable, its a life time free card and lots of offers are available in the card. This card was suggested to me by my colleague. Mobile banking also functions very smooth.
      Was this review helpful? 66
      , bangalore
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      INDUSIND bank credit card have an credit limit of of Rs.75000, there is no offers available in the card and it also have a charges of 3000 along with GST. I hardly receive any remainder messages for my bill payment due to that some time I could not pay my bill on time. I would advise them send my bill on time before the due date.
      Was this review helpful? 42
      , bangalore
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Need to increase the credit limit "
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI card for more than one year. They have provided an annual fee chargeable card and waiver off option is applicable. The credit limit is okay of 50K. Since I need to do purchase about 45K on some of the month so this limit is not sufficient. I swipe the card for travel, shopping and fuel purposes. I have not opted for EMI conversion.
      Was this review helpful? 43
      , kolkata
      Reviewed on Mar 21, 2020
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using AXIS bank credit card for 3 years, Its a life time free card so I applied the card through bank. The agent have informed me everything about the card. I used to get offers of 10% on petrol bunk and shopping.The limit of the card is Rs.45000 and I used to pay my bill directly through bank.I am also using their net banking which is very good.
      Was this review helpful? 56
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I got INDUSIND credit card from few months ago.The card have an EMI conversion. I used the card for multi purposes like shopping, online payment, ticket booking. This is annually chargeable card, I am not satisfied with the credit limit of Rs.75000 as I am expecting more than than 1 lakh.
      Was this review helpful? 45
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got a life time free card offer from INDUSIND bank hence applied through online on three months back. I received the call on time and the process was done on smooth. I got the card on exact time frame. The credit limit is sufficient and they provided good offers and benefit as well.I use this card for shopping and travel purpose.
      Was this review helpful? 32
      , kolkata
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Average service"
      0.5 1.0/5 "Really Bad"
      RBL credit card is a chargeable card, I always have to go to Bajaj Finance to pay my credit card bill. I am not satisfied with the customer service which has to be improved. I used this card when ever needed for shopping, fuel surcharge and bill payment.The limit of the card is fine.
      Was this review helpful? 68
      , ranchi
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
      Was this review helpful? 54
      , ranchi
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Okay service "
      0.5 3.0/5 "Satisfactory"
      I used RBL card for twice only. I get message or call for EMI conversion from banker. It is a life time free card. Once all the process done I received the card by 15 days. I am holding this card past 6 months. The credit limit is sufficient of 30K. Once I tried to convert for EMI of 3 months it was done on time without any problem. It is Bajaj card.
      Was this review helpful? 40
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
      Was this review helpful? 73
      , gurgaon
      Reviewed on Mar 21, 2020
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