7 Top Banks Co-Branded Credit Cards

Co-branded credit cards are unique financial products that result from partnerships between credit card issuers and well-known brands across various sectors. 

These cards are designed to offer specific benefits that improve customer loyalty and spending at the partner brands. Unlike standard credit cards, co-branded cards allow users to enjoy exclusive rewards, discounts, and benefits that are often related to the partnered brand’s products and services.

Understanding Co-Branded Credit Cards

A co-branded credit card is linked not only to the bank but also to a brand whose services or products you might regularly use. This could be a retailer, an airline, a hotel chain, or an e-commerce platform. 

The primary advantage is that every purchase with the card gives you rewards points, cash back, or other benefits directly related to the brand, making them particularly appealing to loyal customers of the brand.

Benefits of Co-Branded Credit Cards

Co-branded credit cards typically offer a range of benefits, including but not limited to:

  • You can earn points for every purchase that can be redeemed for various brand-specific rewards.
  • You can receive a percentage of your spending back as cashback, particularly relevant to the brand’s products.
  • You can get special discounts on purchases with the brand.
  • You can also enjoy benefits such as early access to sales, special seating, or priority booking.

7 Top Banks Co-Branded Credit Cards

Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank Credit Card offers an impressive up to 5% cashback on purchases made on Amazon for Amazon Prime members, and 3% for non-Prime members. 

There is no joining or annual fees associated with this card, making it highly accessible. Also, the cashback earned is automatically credited as an Amazon Pay balance, which can be used on a wide range of products on Amazon.in. This card improves the shopping experience by effectively lowering the cost of every purchase.

Myntra Kotak Credit Card

The Myntra Kotak Credit Card provides a 7.5% discount on all purchases made on Myntra platforms, making it a great choice for fashion lovers. Beyond fashion, cardholders earn an unlimited 1.25% cashback on all other expenditures, which adds up to significant savings over time. 

The card also offers two complimentary PVR movie tickets every quarter if the cardholder spends ₹50,000 in that period, making it a valuable asset for regular shoppers who enjoy movies and fashion.

PVR INOX Kotak Credit Card

The PVR INOX Kotak Credit Card is ideal for cinema lovers, offering one complimentary PVR INOX movie ticket for every ₹10,000 spent within a monthly billing cycle. 

Also, cardholders enjoy a 20% discount on food and beverages at PVR INOX cinemas. This benefit significantly enhances the movie-going experience, allowing frequent cinema-goers to enjoy a night out at the movies more often and at a reduced cost.

Swiggy HDFC Bank Credit Card

This card targets food enthusiasts with a 10% cashback on orders placed through the Swiggy app, encompassing services like food delivery, Instamart, Dineout, and Genie. The Swiggy HDFC Bank Credit Card also provides 5% cashback on other online purchases, and 1% on other categories. 

A standout feature is the complimentary Swiggy One membership for three months, which offers benefits such as free delivery and exclusive discounts, greatly improving the value of food orders.

ixigo AU Bank Credit Card

It is designed for travellers, the ixigo AU Bank Credit Card offers up to 10% discounts on flights and hotel bookings made through ixigo, with additional benefits like waived payment gateway charges on train bookings. 

It also features no foreign exchange markup, making international purchases more economical. This card is especially beneficial for frequent travellers looking to maximize savings on travel-related expenses.

Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card is made for users of Airtel services, offering 25% cashback on payments made for Airtel services through the Airtel Thanks app. 

It also provides 10% cashback on other utility bill payments and purchases on platforms like Swiggy, Zomato, and Bigbasket. The card includes the benefit of four complimentary airport lounge visits per year, improving travel experiences.

BPCL SBI Card Octane

The BPCL SBI Card Octane is designed for individuals who frequently spend on fuel, offering a substantial 7.25% value back on fuel purchases at BPCL petrol pumps. 

This includes 25X reward points on fuel purchases and a 1% fuel surcharge waiver. Also, cardholders earn reward points on other categories such as dining and grocery purchases. 

This card is ideal for maximizing savings on fuel expenditures while also earning rewards on everyday spending.

Each of these co-branded credit cards offers specific benefits tailored to the lifestyles and spending habits of different types of consumers, making them valuable financial tools for maximizing rewards and savings.


Co-branded credit cards are an excellent way to maximize your spending benefits by leveraging your loyalty to specific brands. They not only enhance your buying power but also offer rewards that can significantly improve your overall spending experience. 

Whether you are shopping online, dining out, or fueling up, there is a co-branded credit card that can benefit every aspect of your lifestyle.

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