Best Co-branded Credit Cards in India

Co-branded credit cards are the ones that are launched in collaboration with well-known brands and offer extra benefits when users avail the products or services of the associated brands. It started as a rage in the US when banks started launching cards in association with airline brands and hotel chains; lifestyle and departmental stores soon followed the suit. Co-branded credit cards in India are mostly launched in association with airlines, lifestyle and fuel brands.

Best Co-branded Credit Cards in India

1- Air India SBI Signature Card

Launched in collaboration with Air India, this SBI Card is among the best co-branded credit cards in India. Some of its features include-

• 20,000 reward points on payment of joining fee.
• 4 reward points for every ₹ 100 spent on the card.
• Up to 30 reward points for ₹ 100 spent on Air India tickets booked through Air India Official Website or through mobile app.
• Complimentary membership of the Air India Frequent Flyer program-Flying Returns.
• Complimentary Priority Pass Membership that gives Luxury Lounge Access to over 600 airport lounges.
• Complimentary Visa Lounge Access Program in India at major domestic airports.

2- IndianOil Citi® Platinum Credit Card

Citi Bank offers this credit card in collaboration with fuel giant- Indian Oil. This credit card not only offers great fuel deals but also provides several other benefits to the users-

• Earn 4 Turbo Points for every ₹ 150 spent on fuel which is equal to 2.67% of the fuel purchased.
• Earn 2 Turbo Points on Rs.150 at grocery and supermarkets.
• Enjoy 1% fuel surcharge waiver across Indian Oil stations.
• Get up to 71 litres of free petrol per year by making use of the excellent rewards programme.
• Redeem your reward points directly at fuel stations (1 Turbo Point = ₹ 1 of fuel)

3- IRCTC SBI Platinum Card

This is the only credit card that is launched in association with IRCTC. Given below are a few key highlights of this co-branded credit card-

• Get 350 reward points as bonus when you spend ₹ 500 within 45 days of card activation.
• Save 1.8% transaction charges on railway ticket bookings on irctc.co.in.
• Earn up to 10% value back as reward points when you book AC1, AC2, AC3 and AC CC tickets through IRCTC.
• Earn 1 reward point for every ₹ 150 spent on retail transactions except fuel.
• Enjoy 1% fuel surcharge waiver across all petrol pumps in India on transactions worth ₹ 500 to ₹ 3,000, subject to a maximum waiver of ₹ 100 per statement cycle.

4- JetPrivilege HDFC Bank Diners Club Credit Card

This is one of the best co-branded credit cards in India, especially suited for frequent travellers. Let us look at the benefits of this credit card-

• Users will get welcome benefit of up to 30,000 Bonus JPMiles and 15 JetPrivilege Tier Points within the first 90 days of card activation.
• Get a complimentary Jet Airways base fare waived Ticket Code* for domestic travel on Jet Airways as joining benefit.
• Earn 8 JPMiles on every ₹ 150 spent across all categories and accelerate the reward earnings 3-times when you use your card to book flight tickets on Jet Airways official website.
• Enjoy unlimited complimentary golf games and green fee waiver at almost 20 golf courses in India and over 40 golf courses world over (handicap certificate mandatory).
• Enjoy Exclusive 24×7 Concierge Services.
• Enjoy up to 15% discount on dining across select finest restaurants in India.

5- Axis Bank Vistara Signature Credit Card

Launched in association with Vistara Airlines, this is counted among the popular co-branded credit cards in India. Some of the reasons why you must get this credit card are listed below-

• Get complimentary Club Vistara Membership that gives you the benefits of priority check-in and extra baggage allowance.
• Earn 4 Club Vistara points for every ₹ 200 spent across all categories.
• On spending ₹ 1.5 Lakhs in a year, users will get 1 premium economy class ticket for a destination within India.
• Enjoy up to 15% off at partner restaurants across India.
• Get air accident cover of up to ₹ 2.5 crores and lost card liability cover of up to 100% of your credit limit.

6- Jet Airways American Express Platinum Credit Card

American Express is a multinational bank that offers several premium credit cards in India. This credit card, launched in association with Jet Airways, is among the top co-branded credit cards in India. Here are some of its benefits-

• Enjoy complimentary visits to 12 Domestic Airport Lounges at 10 cities in India.
• Earn 8 JPMiles for every ₹ 150 spent across all categories except fuel, utility bill payments and insurance.
• Get complimentary iPrefer Elite Tier membership for Preferred Hotels and Resorts.
• Accelerate your reward earnings twice when you book revenue flight tickets on Jet Airways.
• Get your fuel convenience fee waived off when you refuel at HPCL stations.
• Enjoy up to 20% discount at select premium restaurants.

7- BPCL SBI Card

This SBI Card comes with numerous benefits for the user, especially on fuel. Given below are the key highlights of this credit card-

• Get a total 4.25% value back when you refuel at BPCL pumps- 3.35% in the form of 13X reward points and 1% fuel surcharge waiver.
• Get 2,000 reward points on card activation.
• Earn 1 reward point for every ₹ 100 spent across non-fuel categories.
• Earn 5-times more reward points when you use your card for movies, dining, groceries or utility bill payment on standing instructions.
• Reward points can be directly redeemed against fuel at BPCL petrol pumps.