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

    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.

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    We found 9 Co-Branded Credit Cards
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    Reduced to 0 If new current/savings account opened 1000
    100% PAPERLESS APPROVAL
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    Reduced to 0 On spends of 1 lakh+ in 90 days of card setup/EasyEMI/SmartPay 10000
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    Best Co-Branded Credit Cards
    Co-Branded Credit Cards

    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 Equated Monthly Instalment (EMI) 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.

    Top Co-Branded Credit Cards in India

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

    FinBooster: YES Bank - BankBazaar Co-branded Credit Card

    YES BANK recently announced the launch of its co-branded credit card BankBazaar- The FinBooster Credit Card. This will give you access to a credit fitness tracker and encourages you to keep track of your credit score and creditworthiness. With the credit card, you can also improve your score and look into the factors that impact your score. This is done via the intuitive CreditStrong app subscription.

    Features of the Credit Card

    • You get credit fitness reports on a monthly basis with a real-time dashboard.
    • Enjoy a 1% waiver on the fuel surcharge on fuel transactions between Rs.400 and Rs.5,000.
    • The charge of Rs.400 for the credit fitness tracker (from the second year onwards) will be waived-off when you reach an annual spend of Rs.1 lakh during the previous year.
    • There is no cap on reward points and the points never expire.
    • You get 5x reward points on online dining spends.
    • Earn 3x reward points on online grocery and online apparel spends.
    • You get two reward points for every Rs.200 swiped for other retail spends, except for fuel expenses.
    • You can share your reward points with friends and family.
    • The reward points can be adjusted against your credit card balance.
    • You get a 1% waiver on the fuel surcharge when you swipe the FinBooster: YES Bank - BankBazaar Co-branded Credit Card. You will get this benefit if your transaction amount is between Rs.400 and Rs.5,000.
    • The maximum fuel surcharge waiver you can get per statement cycle is Rs.125.
    • Accidental death cover (primary cardholder): Rs.2.5 lakh.

    RBL Bank BankBazaar SaveMax Credit Card

    The RBL Bank BankBazaar SaveMax Credit Card is a lifetime free credit card that offers a wide range of attractive rewards and cashbacks. The card also comes with a free monthly credit advisory on BankBazaar which will help you track your spends and monitor your credit score. The credit card also comes with balance transfer, EMI conversion, and pre-approved loan facility.

    Features & Benefits

    • Convert all spends over Rs.2,500 into easy EMIs.
    • Xpress Cash facility for instant funds into your account.
    • Earn 5x reward points on grocery spends (maximum 1000 RP per month).
    • 10% cashback (up to Rs.100 every month on each merchant) on BookMyShow and Zomato transactions.
    • Up to 100% discounts using EMI Infinity Pass on the Split n Pay Fee.
    • Manage your credit card, pay utility bills, get merchant offers and instant loans through the RBL Bank MyCard App.
    • Contactless payments in a fast and secure manner of up to Rs.5,000 in retail outlets.

    Yatra SBI Credit Card

    State Bank of India offers the Yatra SBI credit card in collaboration with Yatra.com. 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.

    Features & Benefits

    • 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 finance charges applicable on extended credit for the Yatra SBI credit card is 3.35% per month.

    IRCTC SBI Platinum Credit Card

    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.

    Features & Benefits

    • 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 one 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 finance charges applicable on extended credit for the IRCTC SBI Platinum Credit Card is 3.35% per month.

    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.

    Features & Benefits

    • The World Select Card comes with welcome offers of 15,000 miles and 4,000 annual miles.
    • Customers can earn six 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, EMI 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. 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.

    Features & Benefits

    • 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 Jet Airways IndusInd Bank Odyssey Credit Card is available as Visa and American Express variants.

    Federal Bank SBI – VISA Gold ‘N More Credit Card

    • The Federal Bank SBI VISA Gold ‘N More Credit Card is a co-branded international credit card that offers lucrative rewards structure and special offers.
    • The maximum limit offered on this card is Rs.1.75 lakh.
    • The card can be used in more than 24 million outlets around the world and 3.25 lakh outlets in India.
    • The major advantages of this card include the provision of availing add-on cards, Easy Money facility, FlexiPay, balance transfer, and flexible payment methods.

    Federal Bank SBI Platinum Credit Card

    • The Federal Bank SBI Platinum Credit Card is a premium co-branded credit card.
    • This credit card offers a well-structured rewards point platform and attractive offers for the cardholders.
    • The maximum credit limit offered on this card is Rs.5 lakh.
    • It offers some premium features such as international airport lounge access, fuel surcharge waiver, bonus offers, golf course access, Priority Pass Membership, and so on.
    • The card can be used in more than 24 million outlets around the world and 3.25 lakh outlets in India.
    • Other benefits of this card include the provision of availing add-on cards, Easy Money facility, FlexiPay, balance transfer, and flexible payment methods.

    South Indian Bank SimplySAVE SBI Credit Card

    • The State Bank of India (SBI), in association with South Indian Bank, has rolled out the SimplySAVE co-branded credit card for the customers.
    • This South Indian Bank SimplySAVE SBI Credit Card offers a maximum credit limit of up to Rs.5 lakh.
    • Cardholders can enjoy exciting offers on dining, shopping, movie ticket bookings, groceries, and so on.
    • The reward points structure is also well defined and all the benefits mentioned above are available at an annual fee of just Rs.499, that is waived off on spending Rs.1 lakh or more on the card in a year.
    • You can earn 1 reward point for every Rs.100 that you spend on the card.
    • In addition to that, you can also avail the benefits of the welcome reward points and the Accelerated Reward points system wherein you can earn ten reward points for every Rs.100 that you spend on the card on pre-defined categories.

    South Indian Bank SBI Platinum Credit Card

    • The South Indian Bank SBI Platinum Credit Card is a premium credit card offered through a collaboration of the above-mentioned banks.
    • You can be eligible for a maximum credit limit of up to Rs.10 lakh on this credit card.
    • The card is available at an annual fee of Rs.2,999.
    • You can earn two reward points for every Rs.100 that you spend on the card.
    • In addition to that, you can also avail the benefits of the welcome reward points worth Rs.3,000 and the Accelerated Reward points system wherein you can earn ten reward points for every Rs.100 that you spend on the card on pre-defined categories.

    Tata Neu HDFC Credit Card

    • The card offers 2% cashback in the form of NeuCoins on Non EMI spends on Tata Neu as well as partner Tata brands.
    • It offers four complimentary domestic lounge access each calendar year.
    • Tata Neu Infinity HDFC Bank Credit Card offers eight domestic lounger access each calendar years where the cardholder will be charged Rs.2 for the lounger access.
    • It offers 1% fuel surcharge waiver across the fuel station across the country.
    • Get up to 50 days of the interest free credit period.

    Samsung Axis Credit Card

    • Samsung Axis Credit Card provides 2,500 EDGE Rewards Points, whereas the Infinite variant provides 30,000 EDGE Rewards Points.
    • The cardholders can avail 10% cashback on purchasing Samsung products and services.
    • Samsung Axis Bank Signature Credit Card offers four complimentary domestic lounger each year.
    • Samsung Axis Bank Infinite Credit Card provides eight complimentary international lounger access each year.
    • Get fuel surcharge waiver of 1%.

    Standard Chartered EasyMyTrip Credit Card

    • The Standard Chartered EasyMyTrip Card provides ten rewards points on every Rs.10 spent at mobile apps, hotel or airline websites, and outlets.
    • Get one complimentary domestic lounge access and two complimentary international lounge access per year.

    Amazon ICICI Credit Card

    • Amazon ICICI Credit card is a lifetime free credit card.
    • Get 1% fuel surcharge waiver at all petrol pumps across the country.
    • It provides PIN and chip facility that enables a secure a transaction at Point of Sale (POS) and Automated Teller Machines (ATMs).
    • It provides 5% cashback on purchases done by Amazon Prime Members on Amazon.
    • It offers 3% cashback on purchases done by Amazon Non-Prime Members on Amazon.

    Air India SBI Platinum Credit Card

    • Air India SBI Platinum Credit Card provides welcome bonus of 5,000 reward points.
    • It provides 2,000 rewards points on the anniversary to the cardholders.
    • It provides fuel surcharge waiver of 1% at all petrol pumps across the country.
    • It offers eight complimentary visits each year to domestic VISA lounges in India.

    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 licence, electricity bill, passport, etc., whichever holds your current address
    • Permanent Account Number (PAN) card copy
    • Two months salary slips or Income Tax (IT) Returns
    • Duly signed in application
    • One 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.

    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 seven to ten 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.

    FAQs on Co-Branded Credit Cards

    1. Which is the latest co-branded card launched in the market?

      The latest co-branded card to hit the market is the FinBooster: YES Bank - BankBazaar Co-branded Credit Card.

    2. How long does it take to get my application approved?

      Banks would usually take around seven to ten working days to fully process your application for a credit card.

    3. Is it easy to get these co-branded credit cards?

      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.

    4. What are the eligibility criteria for applying for a co-branded credit card?

      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.

      

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