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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.
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List of Best Co-Branded Credit Cards
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.
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.
While most credit cards offer a Fuel Surcharge Waiver, only fuel-specific credit cards offer rewards or savings on fuel transactions. Additionally, avid cinema lovers can avail themselves of a 10% discount on all movie purchases at BookMyShow.
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.
What Are Co-Branded Credit Cards?
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 tie up with banks and offer exciting credit card deals to attract more customers to their products.
How Do Co-Branded Credit Cards Work?
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 their customers on a particular brand. These cards may have various benefits, but they will be most beneficial for the 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.
Advantages of Co-Branded Credit cards
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 purchases very often 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.
Bottom Line
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.
FAQs:
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.