Best Co- Branded Credit Cards-2024

 Searching for a credit card that can help you pocket savings and rewards while you shop, dine out, or jet-set around? Co-branded credit cards in India are your ticket to exclusive discounts, perks, and rewards on everyday purchases. 

Issued by banks in collaboration with airlines, retailers, and other brands, these cards come packed with benefits tailored to your spending habits. In this comprehensive guide, we’ll delve into the cream of the crop co-branded credit cards in India across different categories like travel, shopping, fuel, and airlines. So, let's dive in and discover the perfect card that aligns with your needs and lifestyle! 

Best Co-branded Credit Cards for Shopping 

1. Myntra Kotak Credit Card: Joining and Annual Fee: ₹500Fashionistas who frequently indulge in Myntra retail therapy can rejoice with the Myntra Kotak Credit Card. Here’s why: 

• Available on both Mastercard and RuPay networks 
• Enjoy a 7.5% instant discount on Myntra spends, capped at ₹750 per transaction 
• Earn 1.25% cashback on all UPI transactions and purchases made outside Myntra 
• Bag a 5% Cashback on Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company, capped at ₹1,000 per month 
• Unlock free PVR tickets with spends over ₹50,000 every quarter 
• Say goodbye to fuel surcharge with a 1% waiver 
• Relish the luxury of 1 domestic lounge access every quarter, complete with gourmet meals, comfy seating, and free wifi. 

2. AmazonPay ICICI Credit Card: Joining and Annual Fee: Lifetime FreeAmazon aficionados seeking a card sans annual fees can find solace in the Amazon Pay ICICI Credit Card, offering: 

• No limit on the number of reward points you can earn 
• Reward points that never expire, where 1 reward point equals ₹1 
• Bag a 5% cashback on Amazon purchases if you’re an Amazon Prime member 
• Enjoy a 3% cashback on Amazon purchases if you’re not an Amazon Prime member 
• Earn 1% cash back on all other purchases 
• Say goodbye to fuel surcharge across all petrol pumps in India with a 1% waiver. 

3. Flipkart Axis Bank Credit Card: Joining and Annual Fee: ₹500The Flipkart Axis Bank Credit Card is renowned for doling out hefty cashback rewards, especially for avid Flipkart shoppers. Here’s what’s on offer: 

• Earn an unlimited 5% cashback on Flipkart spends 
• Bag an unlimited 4% cashback on Flipkart partner websites 
• Enjoy an unlimited 1.5% cashback on all other eligible spending 
• Snag ₹500 Flipkart vouchers and a 50% instant discount up to ₹100 on Swiggy as a welcome benefit 
• Relish 4 complimentary domestic airport lounge visits every year 
• Bid adieu to fuel surcharge with a 1% waiver for transactions worth ₹400 to ₹4,000. 

4. Tata Neu Infinity HDFC Bank Credit Card: Joining and Annual Fee: ₹1,499The Tata Neu Infinity HDFC Bank Credit Card is your go-to if you’re a frequent shopper on Tata Neu and other Tata Group platforms, offering: 

• 1,499 NeuCoins on the Tata Neu App as a welcome benefit 
• Enjoy 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands 
• Earn 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends 
• Get 1.5% back as NeuCoins on UPI spends 
• Relish 2% cashback on all your foreign currency spends 
• Indulge in 8 free Domestic Lounge Access per calendar year 
• Rest easy with accidental air death cover worth ₹1 crore, emergency overseas hospitalisation up to ₹15 lakh, and lost card liability cover up to ₹9 lakh. 

Best Co-branded Credit Cards for Travel 

1. Standard Chartered Ease My Trip Credit Card: Joining and Annual Fee: ₹350Jet-setters can rejoice with the Standard Chartered EaseMyTrip Credit Card, a travel co-branded card offering: 

• 20% off on domestic and international hotel bookings (capped at ₹5,000 and ₹10,000, respectively) 
• Enjoy a 10% discount on domestic and international flight bookings (capped at ₹1,000 and ₹5,000 respectively) 
• Earn 10x rewards on every ₹100 spent at standalone hotel and airline websites/apps/outlets 
• Bag ₹125 off on bus bookings (minimum booking amount ₹500) 
• Relish 4x reward points for retail spending 
• Earn bonus reward points on monthly spends above ₹20,000 
• Enjoy free lounge access and much more. 

2. Marriott Bonvoy HDFC Credit Card: Joining and Annual Fee: ₹3,000For frequent travellers seeking rewards for stays at Marriott Bonvoy properties, the Marriott Bonvoy HDFC Bank Credit Card is the perfect fit, offering: 

• 1 Free Night Award and 10 Elite Night Credits on the first eligible spend transaction or fee levy on the card 
• Enjoy free Marriott Bonvoy Silver Elite Status 
• Earn 8 Marriott Bonvoy Points per ₹150 spent at hotels participating in Marriott Bonvoy 
• Bag 4 Marriott Bonvoy Points per ₹150 spent on travel, dining & entertainment 
• Earn 2 Marriott Bonvoy Points per ₹150 spent on all other applicable purchases 
• Indulge in free Golf Access 2 per quarter across the world 
• Enjoy 12 free lounge access within India (both at domestic and international terminals) and 12 free lounge access outside India. 

Best Co-branded Credit Cards for Fuel 

1. BPCL SBI Card Octane: Joining and Annual Fee: ₹1,499The BPCL SBI Octane Credit Card is a boon for heavy fuel spenders at BPCL pumps, offering: 

• 6000 bonus reward points equivalent to ₹1500 on payment of annual fees 
• Enjoy a 7.25% Value back with 25x Reward Points on fuel purchases at BPCL petrol pumps 
• Earn 25 Reward Points on every ₹100 spent at BPCL Fuel, Lubricants & Bharat Gas 
• Bag 10 Reward Points on every ₹100 spent at dining, departmental stores, grocery & movies 
• Relish 4 complimentary visits per calendar year to domestic Visa lounges in India and much more. 

2. IDFC FIRST Power+ Credit Card: Joining and Annual Fee: ₹499For frequent HPCL station patrons, the IDFC FIRST Power+ Credit Card offers: 

• Up to 6.5% savings on fuel expenses 
• Enjoy 5% savings as Rewards on grocery & utility expenses 
• Bag 5% savings as Rewards on IDFC FIRST FASTag recharge 
• Earn 3x Rewards on other retail transactions 
• Get ₹500 cashback on 1st HPCL fuel transaction of ₹500 or above 
• Enjoy 5% cashback (up to ₹1,000) on the transaction value of 1st EMI conversion 
• Avail discounts on Swiggy orders, Zoomcar rentals, and rental cars with Eco Rent A Car and Europcar, along with free lounge access and roadside assistance. 

3. Indian Oil Axis Bank Credit Card: Joining and Annual Fee: ₹500Catering to drivers with significant gas expenses, the IndianOil Axis Bank Credit Card offers: 

• Cashback of up to ₹250 on all fuel expenses made within 30 days of card issuance 
• Earn 20 Edge Reward points for every ₹100 spent at IOCL petrol pumps, up to ₹5,000 per month 
• Get 5 Reward Points per ₹100 spent on online shopping 
• Enjoy a 1% fuel surcharge on transactions between ₹200 and ₹5,000 and much more. 

Best Co-branded Credit Cards for Airlines 

1. Club Vistara IDFC FIRST Bank Credit Card: Joining and Annual Fee: ₹4,999Frequent flyers on Vistara Airlines can revel in the perks of the Club Vistara IDFC FIRST Credit Card, offering: 

• 1 complimentary Premium Economy Ticket Voucher and 1 One-Class Upgrade voucher 
• Enjoy Club Vistara Silver Membership for the first year 
• Get 3 months complimentary EazyDiner Prime membership and other benefits like renewal of Club Vistara Silver Membership, interest-free ATM cash withdrawal, competitive foreign currency markup rate, complimentary airport lounge visits, travel insurance benefits, and much more. 

2. Axis Bank Vistara Signature Credit Card: Joining and Annual Fee: ₹3,000High-spending travellers loyal to Vistara Airlines can benefit from the Axis Bank Vistara Signature Credit Card, offering: 

• A free Economy class ticket voucher as a welcome benefit 
• Enjoy Club Vistara Silver Membership 
• Earn 4 CV points on every ₹200 spent 
• Get 4 free premium economy class tickets on achieving milestone benefits and much more. 

3. Air India SBI Signature Credit Card: Joining and Annual Fee: ₹4,999Frequent flyers favouring Air India can revel in the premium perks of the Air India SBI Signature Credit Card, offering: 

• 20,000 Reward points as a welcome gift on payment of your joining fee 
• Enjoy a free Air India Frequent Flyer program, Flying Returns membership 
• Earn 4 Reward points for every ₹100 spent 
• Get 30 Reward Points for every ₹100 spent on Air India tickets booked through airindia.com, Air India mobile app 
• Bag 30 Reward Points when booked for self and 10 Reward Points when booked for others. 

Bottom line 

Selecting the right co-branded credit card in India can significantly elevate your shopping, travel, dining, and fuel purchase experiences. Whether you're a fashionista, globetrotter, foodie, or fuel-conscious driver, there's a card tailored to your needs. 

By choosing a card aligned with your lifestyle and spending habits, you can unlock a plethora of benefits that enhance your overall spending experience. Here's to savvy spending and happy swiping! 

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