Maximize Rewards with the Top Co-Branded Credit Cards!

Credit cards have become one such important part of our lives, which deliver comfort and security in our transactions. But do you know that you can earn rewards and benefits by using co-branded credit cards? These cards are issued by banks in collaboration with other companies, offering exclusive perks such as discounts, cashback, and reward points. In this article, we’ll discuss the best co-branded credit cards in India and how to choose the right one for you.

Best Co-Branded Credit Card

Choosing the Best Co-Branded Credit Cards

Before we move onto the list of the best co-branded credit cards in India, let’s talk about how you should choose the right card for you. The first thing to consider is your spending habits. Do you spend often on groceries, travel, or shopping? Search for a such card that offers maximum benefits in the category you spend the most on.

The second thing to consider is the renewal fee and rate of interest card charge. Some cards may offer great rewards, but if the renewal fee is too high, it may not be worth it. Make sure to read the guidelines and understand all the charges included with the card.

Finally, consider the redemption options. Some cards may offer great rewards, but if they are difficult to redeem, it may not be worth it. Look for a card that provides easy redemption options and flexibility in using your rewards.

5 Best Co-Branded Credit Cards in India

Now that we’ve discussed how to choose the best co-branded credit card, let’s take a look at the top 5 co-branded credit cards in India.

Flipkart Axis Bank Credit Card

This card offers 5% unlimited cashback on Flipkart. It also offers 4% unlimited cashback on preferred merchants such as ClearTrip, Swiggy, PVR, Uber, Tata Play and more. The annual fee is Rs. 500, and the interest rate is 3.6% per month.

Amazon Pay ICICI Bank Credit Card

This card offers 5% cashback on Amazon.in purchases, 15% discount on dining, and 1% reward points on other retail purchases. It also provides a welcome gift of Free 3 month prime membership. The annual and joining fee is Rs. 0, and the interest rate is 3.5% – 3.8% per month.

Swiggy HDFC Bank Credit Card

This card offers 10% cashback on Swiggy app including food orders, dine out and more. It also provides 5% cashback on online and 1% cashback on other transactions. The annual and joining fee is Rs. 500, and the interest rate is 3.6% per month.

Axis Bank Vistara Credit Card

This card offers 2 Vistara points for every Rs. 200 spent, and 1 complimentary economy class ticket voucher as a welcome benefit. It also offers a complimentary economy class ticket on spending Rs. 1.25 lakh, and 1,000 Club Vistara Points on spending Rs. 50,000 or more in a year. The joining and renewal fee of this card is Rs. 1,500, and the interest rate is 3.6% per month.

 IRCTC RuPay SBI Credit Card

This card offers 10% value back on AC1, AC2, and AC3 tickets booked on the IRCTC website. It also provides 350 activation bonus reward points and 1 RP for every Rs. 100 spent. The joining fee is Rs. 500 and annual fee is Rs. 300, and the interest rate is 3.35% per month.

Benefits of Co-Branded Credit Cards

Co-branded credit cards offer several benefits, including:

1.Exclusive discounts and offers on partner websites and stores.

2.Reward points that can be redeemed for voucher, cashback, or merchandise.

3.Complimentary airport lounge access.

4.Travel insurance and other perks.

Conclusion

Co-branded credit cards are a great way to maximize your rewards and benefits while using your credit card. By choosing the right card that suits your spending habits and offers excellent rewards, you can save money and earn exclusive perks on your purchases. So, go ahead and apply for a co-branded credit card today and start maximizing your rewards!

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