08 July 2026
A co-branded credit card is created through a partnership between a bank and a specific brand (like a shopping app, airline, or fuel station). The main benefit of a co-branded credit card is that you get extra high rewards, discounts, or cashback when you spend money at that specific brand.
Co-branded credit cards are still standard credit cards. You can use them anywhere credit cards are accepted. They are best suited for individuals who spend a large portion of their monthly budget with one specific merchant or brand like Shoppers Stop or Flipkart.
A co-branded credit card is a credit card created through a partnership between a financial institution (the bank that issues the card and manages the credit) and a commercial brand (the company where you shop).
Through this partnership, both companies come together to offer you exclusive deals. The bank takes care of your credit limit, bill generation, and payments, while the partner brand provides special perks, heavy discounts, or accelerated rewards whenever you use that specific card at their stores or on their apps.
For example, if a popular e-commerce platform partners with a major Indian bank to launch a card, that card is a co-branded credit card. It is designed to reward you heavily for being a loyal customer of that shopping platform.
Co-branded card functions exactly like any traditional credit card with a few added bonus layers.
When you use a co-branded credit card to buy products or services directly from the partner brand, you receive maximum benefits. This could be in the form of 3% to 5% direct cashback credited to your bill, or 5x reward points.
You are not restricted to using the card only at the partner brand. You can use it to pay for local grocery shopping, medical bills, or electricity payments anywhere else. However, when you spend outside the partner ecosystem, you will earn rewards at a much lower standard rate.
At the end of the monthly billing cycle, the bank generates your single credit card statement. You pay the bill directly to the bank. Any cashback or rewards you earned are either deducted from your total bill balance or credited to your wallet with the partner brand.
Depending on where you spend the largest portion of your hard-earned money each month, you can choose a card category that matches your lifestyle:
Designed for frequent online shoppers. These give huge cashback percentages or instant discount points on specific online shopping applications.
Joining Fee: ₹299
Annual Fee: ₹299
Features:
3% Reward Points on every Shopper Stop purchase
1% reward points on every non-Shoppers Stop purchase
Complimentary Shoppers Stop Silver Edge membership worth ₹350
Joining Fee: ₹0
Annual Fee: ₹499
Features:
2% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands
1% back as NeuCoins on Non-Tata Brand spends and any merchant EMI spends
Earn an additional 5% back as NeuCoins on selected categories on the Tata Neu app/website
Earn up to 1% back as NeuCoins on eligible UPI spends
Domestic lounge access benefit is milestone-based and can be availed as a Lounge Voucher on spends of ₹50,000 or more in a calendar quarter (up to 4 per calendar year)
Joining Fee: ₹0
Annual Fee: ₹500
Features:
5% cashback on spends on Flipkart up to ₹4,000 per statement quarter
7.5% cashback on spends on Myntra up to ₹4,000 per statement quarter
5% cashback on Cleartrip up to ₹4,000 per statement quarter
4% unlimited cashback on spends on Swiggy, Uber, PVR, and CultFit
1% unlimited cashback on all other spends
1% fuel surcharge waiver up to ₹400 per month (valid on transactions between ₹400 and ₹4,000 only
Joining Fee: ₹1,499
Annual Fee: ₹1,499
Features:
10 reward points on every ₹100 spent at landmark websites and stores, such as Spar, Max, Lifestyle and Home Centre
2 reward points on every ₹100 spent on retail purchases, except fuel
6,000 bonus reward points equivalent to ₹ 1,500 on the payment of the joining fee.
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.
Joining Fee: ₹2,999
Annual Fee: ₹2,999
Features:
5 reward points for every ₹100 spent on dining, movies and entertainment, domestic airlines, and international spends
2 reward points for every ₹100 spent on other retail purchases
1 movie ticket every month worth ₹250 via BookMyShow
8 complimentary domestic airport lounges (up to 2 per quarter) and 4 international airport lounge access (max. 2 per quarter) per calendar year
Moneyview Says
A co-branded card loses its value if you only visit the partner brand occasionally. Only choose a card for a brand you purchase from at least two to three times every month.
Apply for High Limit Credit Cards upto ₹5 Lakh*
Partnered with airlines, railways, or travel booking portals. They offer free flight tickets, complimentary airport lounge access, and accelerated air miles.
Joining Fee: ₹350
Annual Fee: ₹350
Features:
10x rewards on every ₹100 spent at standalone hotel and airline websites/apps/outlets
20% & 10% instant discount on hotel and flight bookings respectively at EaseMyTrip website/app
2 complimentary domestic lounge access per year
Flat 20% instant discount on domestic & international hotel bookings(Max discount of ₹5,000 and ₹10,000 respectively)
Flat 10% off on domestic & international flight bookings (Max discount of ₹1,000 and ₹5,000 respectively)
₹125 off on bus ticket bookings (On minimum ticket booking of ₹500)
Joining Fee: ₹0 (Limited time offer)
Annual Fee: ₹999
Features:
6% extra rewards on hotel bookings, 3% on flights, cabs, bus, and 1% on all outside MMT spends over and above the usual MakeMyTrip discounts & coupons
1% guaranteed reward on UPI Spends, 1% myCash, and an additional up to 1% RuPay coins
0% effective Forex cost, 0.99% markup, and 1% myCash rewards
1 International and 8 domestic airport lounges per year
Joining Fee: ₹1,499
Annual Fee: ₹1,499
Features:
1,500 reward points on payment of 1st annual fee (1 Reward Point= ₹ 1)
1 Reward Point for every ₹125 spent
3 Reward Points for every ₹125 spent on dining and standing instructions on utility spends
Up to 10% Value Back as reward points per ₹100 spent on tickets booked through irctc.co.in and IRCTC Mobile App for AC1, AC2, AC3 & Chair Car
5% back on air ticket purchases on IRCTC Air
5% back on E-catering purchases on IRCTC eCatering
8 complimentary railway lounge access in a year to participating lounges in India (max. 2 per quarter)
Save 1% transaction charge on railway ticket bookings on the IRCTC website
Save 1.8% transaction charge on airline ticket bookings on IRCTC Air
These credit cards are made specially for frequent fliers. Airline cards offer benefits such as complimentary lounge access, discounts while booking tickets, and reward points for each time you fly.
Joining Fee: ₹1,000 + GST
Annual Fee: ₹1,000 + GST
Features:
Get up to 10% discount on Emirates flight bookings via Emirates.com
Domestic lounge access on a minimum spend of ₹75,000 in the previous quarter
Get discounts on movie tickets each on BookMyShow and INOX, twice a month
Get 1% waiver on fuel transactions worth ₹400 - ₹4,000 at all fuel pumps
Joining Fee: ₹1,499 + taxes
Annual Fee: ₹1,499 + taxes
Features:
2,500 Etihad Guest Miles as a welcome gift
Complimentary Etihad Guest Silver Tier status
Complimentary membership to the Priority Pass Program worth $99
2 free WiFi vouchers on your first Etihad Airways flight booking
6 Etihad Guest Miles per ₹100 spent on the Etihad website
4 Etihad Guest Miles per ₹100 spent on international transactions
2 Etihad Guest Miles per ₹100 spent on other eligible categories
Joining Fee: ₹1, 500 + taxes
Annual Fee: ₹1, 500 + taxes
Features:
Complimentary flight ticket worth ₹1,500
Complimentary 6E Prime Add-On (which includes Priority check-in or choice of seat or a complimentary meal)
8 complimentary domestic airport lounge accesses per year (2 per quarter)
2% 6E Rewards on spends across Grocery, Dining &
1% 6E Rewards on all other spends
₹1,000 cashback across 200+ brands on your Credit Card via Payzapp
Dining privileges with the Good Food Trail Program at premium restaurants
Joining Fee: ₹3,000
Annual Fee: ₹3,000
Features:
IndiGo BluChips voucher worth ₹4,000 and a complimentary 6E Eats voucher
Up to 21 IndiGo BluChips per ₹100 on IndiGo spends
Unlimited 3 IndiGo BluChips per ₹100 spent on dining and entertainment
Unlimited 2 IndiGo BluChips per ₹100 spent on other categories
You can redeem your accumulated IndiGo BluChips via the IndiGo website or app against IndiGo flights and other activities
2 complimentary domestic lounge visits per quarter
Joining Fee: ₹9,999
Annual Fee: ₹9,999
Features:
10,000 KrisFlyer Miles on payment of Annual Fees and first transaction
An additional 10,000 KrisFlyer Miles on annual spends of ₹5 Lakh
Tier upgrade to KrisFlyer Elite Gold Membership on spends of ₹7.5 Lakh
Complimentary Priority Pass Program worth $99
Up to 8 complimentary visits to international airport lounges per year (capped at 2 per quarter)
Up to 8 complimentary visits to domestic airport lounges per year (capped at 2 per quarter)
Partnered with major petroleum and oil companies. They eliminate the fuel surcharge and give you reward points that can be redeemed for free fuel at the pump
Joining Fee: ₹1,500
Annual Fee: ₹1,500
Features:
Get 3,000 fuel points on shopping above ₹500 within 30 days of getting your card
1,000 fuel points on crossing the Quarterly Milestone of ₹75,000
15 Fuel Points on spends made at IndianOil fuel stations
2 Fuel Points on all other purchases
1,000 Fuel Points on reaching the spending milestone of ₹75,000 in a calendar quarter
Annual fee waived on spending ₹2.75 Lakh or more in a year
1% fuel surcharge waiver of up to ₹200 per month on fuel transactions worth ₹500 to ₹4,000
Joining Fee: ₹1,499
Annual Fee: ₹1,499
Features:
6,000 bonus reward points worth ₹1,500 on the payment of the joining fee as a welcome benefit
7.25% value-back on fuel spends
10 reward points on every ₹100 spent at groceries, departmental stores, movie tickets, and dining (capped at 7,500 points per month
E-gift voucher worth ₹2,000 from Aditya Birla Fashion/ Yatra/ Hush Puppies/ Bata on annual spends of ₹3 Lakh
Annual fee reversal on spending ₹2 Lakh in a year
4 complimentary domestic lounge visits every year (max. 1 visit per quarter)
Joining Fee: ₹499
Annual Fee: ₹499
Features:
₹500 gift voucher on making the 1st HPCL fuel transaction worth ₹500 or more within 60 days of card set-up
1 complimentary visit to a domestic airport lounge every calendar quarter on a minimum monthly spend of ₹20,000
25% off, up to ₹100, on movie tickets once per month on the District by Zomato app
Annual fee waiver on spending ₹1.5 Lakh in the previous year
Complimentary roadside assistance worth ₹1,399 up to 4 times in a year
Personal accident cover worth ₹2 Lakh and lost card liability cover worth ₹25,000
Joining Fee: ₹500
Annual Fee: ₹500
Features:
2,000 reward points on card activation and payment of the joining fee
4% cashback of up to ₹200 per month on fuel purchases at HPCL pumps
1% cashback on fuel surcharge applicable on all fuel spends of up to ₹4,000
25% off up to ₹100 per transaction on booking at least 2 movie tickets on BookMyShow and INOX (valid twice a month on each platform)
1 complimentary domestic airport lounge access per quarter on spending ₹75,000 in the previous calendar quarter
Joining Fee: ₹499
Annual Fee: ₹499
Features:
500 Smiles on the 1st Jio-bp fuel spend made within 30 days of card setup
200 bonus Smiles on spending min. ₹4,000 on the Jio-bp ecosystem in a month
2,000 bonus Smiles on reaching ₹1 Lakh spent in a year
2,000 bonus Smiles on spending the next ₹1 Lakh in a year
1% fuel surcharge waiver across all Jio-bp fuel stations in India
Created in partnership with mobile network providers. They offer massive discounts on your monthly mobile recharges, broadband bills, and streaming subscriptions.
Joining Fee: ₹499
Annual Fee: ₹499
Features:
5% cashback on Google Pay on bill payments for electricity, gas, internet, etc., and recharges for DTH and mobile
4% cashback on Zomato, Swiggy, and Ola
1.5% cashback on all other card spends
Up to 4 complimentary domestic airport lounge access per year on spending a minimum of ₹50,000 during the previous 3 months
Annual card fee waived off on reaching annual spends worth ₹2 Lakh
Up to 15% off on dining bills at partner restaurants via EazyDiner
1% fuel surcharge waiver of up to ₹500 per month on fuel spends worth ₹400 to ₹4,000
Joining Fee: ₹500
Annual Fee: ₹500
Features:
Free 3-month Swiggy One membership worth ₹1,199
10% cashback on Swiggy spends in addition to the regular offers & discounts (Up to ₹1500 cashback per month)
5% cashback on online spends on 1000s of online platforms & apps (Up to ₹1500 cashback per month)
1% cashback on other spends on offline spends and other food, grocery, and dining apps
Premium golf club access worldwide. 12 free golf lessons/year in India.
One night and one dines free at select Mastercard partners globally
Up to 12% instant discount on worldwide hotels on Agoda
Joining Fee: ₹750
Annual Fee: ₹750
Features:
5% cashback on fuel spends at all fuel stations up to ₹200 per month
5% cash back on your telephone bills, for any transaction amount above just ₹750
5% cashback on paying for your utility bills. The minimum transaction amount is just ₹750
For every ₹150 you spend on all other expenses using your credit card, you earn 1 reward point
Joining Fee: ₹1,499
Annual Fee: ₹1,499
Features:
5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
1.5% back as NeuCoins on eligible Non-Tata Brand Spends and any Merchant EMI Spends
Earn an additional 5% back as NeuCoins on selected categories on the Tata Neu App/Website
Earn up to 1.5% back as NeuCoins on eligible UPI spends
2 complimentary domestic lounge vouchers per calendar quarter (up to 8 per calendar year) on spending ₹50,000 or more in a quarter
4 complimentary lounge access per calendar year (1 per quarter), outside India
Joining Fee: ₹2,500
Annual Fee: ₹2,500
Features:
Complimentary Swiggy One and MMT Black Gold membership as Welcome benefits
Complimentary spa, buffet, hotel room upgrade, and airport transfer (any 2 every calendar quarter) by uploading your boarding pass on Smartbuy
3 lounge visits within India per calendar quarter on spends of ₹60,000 or more in the preceding calendar quarter
6 complimentary lounge access per calendar year outside India using Priority Pass
5X reward points on spends at Myntra, Nykaa, Reliance Digital, and more
5 reward points on every ₹200 spent on retail spends
Redeem up to a maximum of 70% on travel bookings using reward points
Partnered with food delivery apps or mega-supermarkets to help you save on your weekly kitchen expenses.
Joining Fee: ₹999
Annual Fee: ₹999
Features:
Get ₹1,000 cashback when you download and log on to the HSBC India Mobile Banking app and spend ₹20,000 within the first 30 days of getting your card
Get a voucher worth up to ₹750 for Amazon Pay, Zomato, and Swiggy when you activate your card
10% accelerated cashback, up to ₹1,000 a month, on all dining, food delivery, and grocery spends
1.5% unlimited cashback on most other spends
Joining Fee: ₹3,000
Annual Fee: ₹3,000
Features:
Get 10,000 EDGE REWARD Points worth ₹2,000 on your first card transaction
Enjoy 100% discount on your second movie ticket booked via the District app
Flat ₹500 off on a minimum purchase of ₹2,500 on the BigBasket mobile app/website
Flat ₹200 off on the Swiggy mobile app/website
Get up to 12 complimentary international airport lounge access
Priority Pass membership renewal on annual spending of ₹3 Lakh
5000 EDGE REWARDS points on spending ₹3 Lakh in a card anniversary
Earn 10 Axis EDGE REWARDS points on every ₹200 spent
Enjoy 6 complimentary golf rounds per year
Joining Fee: ₹1,000
Annual Fee: ₹1,000
Features:
Complimentary memberships of any 2 platforms: Amazon Prime, Jio Hotstar, Sony Liv, Zee5 or Discovery+
10 reward points per ₹100 spent on any 2 categories: Apparel, Dining, Grocery, Utility, or Taxi
2 reward points per ₹100 spent on other categories
1 complimentary domestic lounge visit every quarter
1% fuel surcharge waiver on fuel spends between ₹500 and ₹3,000, up to ₹250 per month
Annual fee waiver on spending ₹2.4 Lakh
The rewards given by these cards look highly attractive, but it is important to check a few details to make sure you do not lose money. Make sure that you evaluate your loyalty. If you open a fuel co-branded card but only visit that specific brand's petrol pump once every three months, the card loses its value. Choose a card only for a brand you use at least two to three times every single month.
It is also important to watch out for annual fees. Some co-branded cards charge a renewal fee. Make sure the total amount of cashback you expect to earn in a year is significantly higher than the card's annual fee.
To apply for credit cards through Moneyview, go to the website or download the app now!
For most salaried individuals managing a routine household budget, holding two to three credit cards is the ideal strategy. This allows you to optimize your finances without overcomplicating your monthly bill tracking.
Airline credit cards in the Indian market generally fall into two categories based on how they reward your spending: Direct Co-Branded Airline Cards (IndiGo Partner Cards, Air India Partner Cards, International Carrier Cards) and Multi-Partner Travel Cards (Axis Bank Atlas / Horizon Cards, HDFC Bank Premium Cards - Infinia / Regalia Gold).
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Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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