The age of digitalization has increased online purchases, making it easier for many new brands and companies to innovate and create. Brands across various categories, including online food ordering, shopping, and petrol stations, have wholly entered the credit card game. As a result, co-branded credit cards are now available for almost all categories.
Whether you are looking to buy clothes online, refuel your vehicle, or order food, there are co-branded cards with magnificent rewards and beneficial offers. Card Insider has compiled the top co-branded credit cards offered in India to get the best value deals from your favorite brands. We have assembled a list of many cards that are provided in association with some of India’s most popular brands and banks.
There are many rewarding co-branded offerings in India. These co-branded cards not only offer unique rewards and discounts but also enhance customer loyalty by aligning with users’ specific interests and spending habits.
5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
Cashback and Discounts Up to ₹2,500 and One Month EazyDiner Membership
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ICICI Bank has officially announced that it has issued the Amazon Pay ICICI Credit Card to over 4 million/40 lakh users in India. This credit card is known for its exceptional cashback offers, making it a popular choice among customers. The card is designed to provide a perfect blend of savings and simplicity. Prime users are eligible for 5% cashback on all purchases made on Amazon, while Non-Prime users can avail of 3% cashback on Amazon purchases. All cashback amounts are credited to the Amazon Pay account.
As a lifetime free credit card, you may think that this card wouldn’t have any welcome benefits. But you would be surprised to know that this card offers over ₹2,000 benefits as a welcome bonus. In addition, you shall also be eligible for three months of Amazon Prime membership with the Amazon ICICI Credit Card.
2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends
3-Month EazyDiner Prime Membership and 500 Bonus EazyPoints
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One of the leading cards in the food and dining category, the EazyDiner Platinum is a popular choice for those who frequently eat out. With this credit card, you can enjoy significant savings and discounts on every transaction made at EazyDiner. Choose from a wide range of top-notch restaurants listed on the EazyDiner website and app, and pay through PayEazy to avail yourself of the discounts. As a welcome benefit, you will also receive a three-month EazyDiner Prime membership.
5% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) and Select Online Categories Such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores & Local Cabs; 1% Cashback on Other Eligible Spends
Free 12-Month Swiggy One Membership
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The Swiggy ORNGE HDFC Bank Credit Card is one of the best entry-level credit cards for dining and food-related spends. Whether you’re ordering food, buying groceries through Instamart, or dining out via Swiggy Dineout, the card offers a solid 5% cashback, helping frequent Swiggy users save significantly on their everyday spending. Combined with a complimentary Swiggy One membership and a low annual fee, it delivers excellent value for food enthusiasts.
5% Cashback on Flipkart & Cleartrip, 7.5% Cashback on Myntra, 4% Cashback on Preferred Partners (Swiggy, Uber, PVR, FitPass & Stoga by FitPass), and 1% Cashback on All Other Spends
₹250 Flipkart Voucher + ₹100 Swiggy Discount
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Flipkart and Axis Bank are both well-known names in India. Flipkart was one of the pioneers of online shopping in India, while Axis Bank is a popular household name. Together, they launched the Flipkart Axis Bank Credit Card, one of India’s most popular cashback cards. It offers much more than mere discounts on Flipkart purchases.
With the Flipkart Axis Bank Credit Card, you can earn 5% cashback on all purchases made on Flipkart. Additionally, you can earn 4% cash back on popular merchants such as Swiggy, PVR, Uber, Tata Play, Cleartrip, and cult.fit. This is especially beneficial as the card provides cashback on Flipkart and several other partner brands. The card also offers four free domestic lounge access visits, which should be sufficient for most users.
Up to 10% NeuCoins on TataNeu Spends, 5% NeuCoins on Tata Brand Spends and 1.5% NeuCoins on UPI Spends
1,499 NeuCoins on Tata Neu App
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HDFC Bank currently offers two credit cards in association with Tata. These co-branded credit cards provide rewards when purchasing through the Tata Neu App and spending on Tata partner brands. The high-fee card, the Infinity variant of the Tata Neu Credit Cards, costs Rs. 1,499 (joining and renewal fee). Upon joining, you will receive 1,499 Tata Neu coins, equivalent to the joining fee. With this card, you will earn 5% back on Tata Neu and partner brand purchases. Moreover, selected categories are entitled to an additional 5% back. This card also gives 1.5% back as NeuCoins on UPI spends.
6 Miles/₹100 on Etihad Airways and 2 Miles/₹100 on All Other Domestic and Cross-Border Spends
10,000 + 5,000 (LIMITED TIME OFFER) Etihad Guest Bonus Miles on Spending ₹50,000 Within 60 Days, Silver Tier Status on First Transaction, and Upgrade to Gold Tier After an Etihad Transaction Within 6 Months
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The BOBCARD Etihad Guest Premium Credit Card is one of the most rewarding airline co-branded credit cards currently available in India, especially for frequent Etihad Airways flyers. The card offers a strong combination of Etihad Guest Miles, complimentary Silver and Gold tier upgrades, zero forex markup, and airport lounge access, making it a compelling option for international travelers.
Co-branded credit cards are the cards that are a result of a partnership between a card issuer, a brand, and a card network. These are brand-specific credit cards that are aimed at providing exclusive benefits to customers who are loyal to a specific brand. Some brands partner with banks to offer exciting credit card deals to attract more customers to their products.
For those who regularly travel to the Middle East or prefer flying with Etihad and its partner airlines, this card provides an excellent way to accumulate miles while enjoying premium travel privileges.
Co-branded credit cards are very similar to standard credit cards. There may be or may not be an annual fee. The only difference is that there is a brand’s logo along with the card issuer’s logo on a co-branded credit card, whereas on a standard credit card, there is only a logo of the card issuer and not of a particular brand. These cards are made specifically to benefit the customers of a particular brand. These cards may have various benefits, but they will be most beneficial for purchases made on a particular brand. For example, if a credit card comes co-branded with Amazon, it will earn you reward points in all the categories, but you will get many more rewards and benefits on Amazon.
You Can Save a Lot – A co-branded credit card can be very beneficial for people who are loyal to a particular brand and make frequent purchases through it. For example, if you always purchase fuel from a BPCL station, you must look for a BPCL co-branded credit card, such as BPCL SBI Card Octane. Similarly, customers who are loyal to IOCL can get an Indian Oil co-branded credit card, as it will help them save a lot on their fuel purchases.
Co-Branded Credit Cards Are Generally Pocket-Friendly – Most co-branded credit cards come with a low or an average joining fee, so that everyone who wants to have it, can afford it. So, you need not worry about the charges and go for a co-branded credit card if you make frequent purchases from a particular brand. Some of the best co-branded cards, such as Amazon Pay ICICI Credit Card, have a zero annual fee.
All the cards mentioned above are designed to help individuals loyal to a particular brand or platform save more while purchasing. In today’s world, most of us are brand-conscious and prefer certain brands over others. To cater to this demand, various credit card issuers and brands have collaborated to offer beneficial deals that allow users to save more and, at the same time, increase sales for the brands themselves.
Do you have any additional co-branded credit cards you would like included in this list? Share your thoughts on the best co-branded credit cards in India by Card Insider.
Yes, one of the most popular co-branded credit cards is available as a lifetime free: the Amazon Pay ICICI Credit Card. Other than this, the EazyDiner Indusind Platinum Credit Card is also available as LTF. Even the Swiggy HDFC Credit Card was recently offered as a lifetime free card.
The Swiggy HDFC Credit Card offers a 10% discount on food delivery through the Swiggy app and is considered one of the best co-branded cards in this category.