Best Co-Branded Credit Cards In India 2025 : Co-branded credit cards are joint ventures between a bank and a brand – like Amazon, Flipkart, IndiGo or Indian Oil. These cards will give you rewards as a result of loyalty to that brand in the form of extra discounts, cashback and reward points each time you spend in that establishment. The co-branded cards are highly popular in India as they provide specific benefits to the card holder – a regular commuter, an online shopper or a regular flyer.
Why Choose a Co-Branded Credit Card?
Here’s why many Indians prefer co-branded cards over regular credit cards:
- Higher rewards on specific brand purchases
- Exclusive discounts and offers (e.g., movie tickets, travel bookings, groceries)
- Instant redemption options via partner apps
- Extra perks like airport lounge access, fuel surcharge waiver, etc.
However, these cards work best when you’re loyal to a particular brand — if not, a general-purpose rewards card may give you better overall value.
Best Co-Branded Credit Cards in India 2025
But these cards are only best utilized when you are loyal to a specific brand: otherwise, a general purpose rewards card can present you with a better overall value.
1. Tata Neu Infinity HDFC Bank Credit Card
Best for: Shoppers loyal to Tata Group brands like Croma, BigBasket, Tanishq, Titan, Air India Express, and 1MG.
Key Benefits:
- 5% NeuCoins on Tata brand spending via the Tata Neu App
- 1.5% NeuCoins on all other spending
- Complimentary lounge access (4 domestic visits per year)
- Annual fee: ₹1,499 + GST (waived on ₹3 lakh annual spend)
Why It’s Worth It:
In case of a regular consumer who regularly buys Tata brands, it is easy to redeem rewards instantly on a variety of Tata outlets and apps using the NeuCoin ecosystem.
2. Amazon Pay ICICI Bank Credit Card
Best for: Online shoppers on Amazon India.
Key Benefits:
- 5% cashback for Amazon Prime members
- 3% for non-Prime users on Amazon purchases
- 2% on partner merchants (via Amazon Pay)
- 1% on all other transactions
- Lifetime free card – no joining or annual fee
Why It’s Worth It:
This card is a lifetime-free credit card which is among the most used in India particularly by those who shop on Amazon frequently.
3. Flipkart SBI Credit Card
Best for: Regular Flipkart and Myntra users.
Key Benefits:
- 5% cashback on Flipkart, Myntra & 2GUD purchases
- 1.5% cashback on all other spends
- Welcome benefit worth ₹500 (Flipkart voucher)
- Annual fee: ₹500 + GST (waived on ₹2 lakh annual spend)
Why It’s Worth It:
It is also among the leading e-commerce credit cards in India, which provides regular cashback to the regular customers and attractive partner benefits (Zomato, Uber, PVR Cinemas etc.).
4. Indian Oil Axis Bank Credit Card
Best for: Daily commuters and car owners.
Key Benefits:
- 4% value-back on fuel spends at Indian Oil outlets
- 1% fuel surcharge waiver (₹400 – ₹4,000 transactions)
- Reward points redeemable for free fuel
- Annual fee: ₹500 + GST (waived on ₹50,000 annual spend)
Why It’s Worth It:
Perfect for people who spend regularly on fuel — your monthly petrol bills can easily earn you free refills through accumulated reward points.
5. 6E Rewards XL IndiGo HDFC Bank Credit Card
Best for: Frequent flyers traveling on IndiGo Airlines.
Key Benefits:
- 5% 6E Rewards on IndiGo bookings
- 3% 6E Rewards on dining, grocery, and entertainment
- Free air ticket worth ₹3,000 as a welcome gift
- Airport lounge access (2 visits per quarter)
- Annual fee: ₹1,500 + GST
Why It’s Worth It:
If you travel frequently, this card can save you thousands in flight tickets and airport expenses every year.
6. IRCTC SBI Card Premier
Best for: Frequent train travelers.
Key Benefits:
- 10% value-back on IRCTC train ticket bookings
- 4 reward points per ₹100 on dining and utility spends
- 1.8% transaction fee waiver on IRCTC website bookings
- Annual fee: ₹1,499 + GST
Why It’s Worth It:
With Indian Railways bookings increasing post-COVID, this card gives you massive savings if you travel often by train.
7. Air India SBI Signature Credit Card
Best for: Frequent domestic and international travelers.
Key Benefits:
- Up to 30 Reward Points per ₹100 spent on Air India bookings
- Complimentary lounge access (domestic & international)
- Free Air India ticket on joining
- Annual fee: ₹4,999 + GST
Why It’s Worth It:
This premium travel card is ideal for corporate travelers, helping you earn free flight tickets and business-class upgrades.
How to Choose the Right Co-Branded Credit Card
Follow these practical steps before applying:
- Analyse your spending pattern – check which category (shopping, travel, fuel, dining) consumes most of your budget.
- Select the partner brand you use frequently – this ensures maximum benefit.
- Compare annual fees and rewards – sometimes a free card offers better long-term returns.
- Check redemption flexibility – can you redeem rewards easily (cashback, vouchers, miles)?
- Review terms and updates – brands often revise reward structures; stay updated through the official website.
Things to Keep in Mind
- Co-branded cards work best for loyal customers of that brand.
- Always clear dues on time — interest rates are similar to regular cards (~3.5% per month).
- Reward structures and partner offers change frequently.
- Some users reported that holding a co-branded card can delay approval for a bank’s premium in-house cards — consider this if you plan to upgrade later.
- Read official terms on the bank’s website before applying.
Where Can You Apply?
You can apply directly through:
- Bank websites: HDFC Bank, SBI Card, ICICI Bank, Axis Bank
- Aggregator portals: Paisabazaar, BankBazaar, CreditMantri
- Brand apps: Amazon Pay, Flipkart, Tata Neu
Application typically requires:
- PAN Card & Aadhaar Card
- Income proof (salary slip / ITR)
- Minimum age 21 years & stable income source
Comparison Table: Quick Summary
| Card Name | Partner Brand | Best For | Annual Fee (₹) | Key Benefit |
|---|---|---|---|---|
| Tata Neu Infinity HDFC | Tata Brands | Multi-brand shopping | 1,499 | 5% NeuCoins on Tata Neu spends |
| Amazon Pay ICICI | Amazon India | Online shopping | Free | 5% cashback for Prime members |
| Flipkart SBI | Flipkart & Myntra | Online shopping | 500 | 5% cashback on Flipkart purchases |
| Indian Oil Axis Bank | Indian Oil | Fuel spends | 500 | 4% value-back on fuel |
| 6E Rewards XL HDFC | IndiGo Airlines | Air travel | 1,500 | 5% 6E Rewards on IndiGo |
| IRCTC SBI Premier | IRCTC | Train travel | 1,499 | 10% value-back on IRCTC tickets |
| Air India SBI Signature | Air India | Frequent flyers | 4,999 | Free flight ticket + 30 points per ₹100 |
Expert Tip
Not sure what to select between several cards? — use Amazon Pay ICICI or Flipkart SBI to do all your daily online purchases, and use Indian Oil Axis Bank, when the most significant cost is fuel.The 6E Rewards XL or Air India SBI Signature is the most intelligent option to travelers.
🙌 Final Thoughts
Co-branded credit cards in India are powerful tools when used wisely. They help you save money on your favorite brands while earning rewards that actually matter.
So before applying, analyse your spending habits and choose a card that matches your lifestyle — shop smart, travel cheap, and earn rewards every day!
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.
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