Expert Selection 2026
Best Credit Cards for Co-Branded Credit Cards
Credit cards issued in partnership with brands, airlines, retailers, and fintechs offering exclusive benefits within the partner ecosystem.
Recommended Cards (20)
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Top Choice
IDFC FIRST BANK LTD
IDFC FIRST Power Credit Card
Excellent
Expert Score5.0
Joining Fee
₹499
Annual Fee
₹499
- Special rewards on co-branded purchases
- Basic reward structure for everyday spending
RBL BANK LTD
IndianOil RBL Bank XTRA Credit Card
Excellent
Expert Score3.8
Joining Fee
₹500
Annual Fee
₹500
- 2,000 reward points as welcome benefit.
- 20 XTRA Points per ₹150 spent at IndianOil fuel stations.
- 5 XTRA Points per ₹150 on all other spends.
ICICI BANK LTD
ICICI Bank HPCL Super Saver
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Special fuel surcharge waivers at HPCL outlets
- Additional rewards on fuel purchases
- Utility bill payment benefits
ICICI BANK LTD
HPCL Platinum/Titanium/Coral
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Special fuel surcharge waivers at HPCL outlets
- Additional rewards on fuel purchases
- Utility bill payment benefits
ICICI BANK LTD
MakeMyTrip Platinum
Excellent
Expert Score5.0
Joining Fee
₹1,500
Annual Fee
₹1,500
- MakeMyTrip-specific travel benefits
- Special discounts on flight and hotel bookings
- Reward points on travel spends
ICICI BANK LTD
MakeMyTrip Signature
Excellent
Expert Score5.0
Joining Fee
₹3,000
Annual Fee
₹3,000
- MakeMyTrip-specific travel benefits
- Special discounts on flight and hotel bookings
- Reward points on travel spends
ICICI BANK LTD
InterMiles Coral
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Earn InterMiles on all valid spends
- Option to pay ₹7,500 uncapping fee to earn more miles
- Travel-related benefits and insurance
ICICI BANK LTD
InterMiles Rubyx
Excellent
Expert Score5.0
Joining Fee
₹1,500
Annual Fee
₹1,500
- Earn InterMiles on all valid spends
- Option to pay ₹7,500 uncapping fee to earn more miles
- Travel-related benefits and insurance
ICICI BANK LTD
InterMiles Sapphiro
Excellent
Expert Score5.0
Joining Fee
₹2,500
Annual Fee
₹2,500
- Earn InterMiles on all valid spends
- Option to pay ₹7,500 uncapping fee to earn more miles
- Travel-related benefits and insurance
ICICI BANK LTD
Emirates Skywards Rubyx
Excellent
Expert Score5.0
Joining Fee
₹1,499
Annual Fee
₹1,499
- Emirates Skywards miles on card spends
- Travel benefits on Emirates flights
- Premium travel insurance
ICICI BANK LTD
Emirates Skywards Sapphiro
Excellent
Expert Score5.0
Joining Fee
₹3,000
Annual Fee
₹3,000
- Emirates Skywards miles on card spends
- Travel benefits on Emirates flights
- Premium travel insurance
ICICI BANK LTD
Emirates Skywards Emeralde
Excellent
Expert Score5.0
Joining Fee
₹10,000
Annual Fee
₹10,000
- Emirates Skywards miles on card spends
- Travel benefits on Emirates flights
- Premium travel insurance
ICICI BANK LTD
Manchester United Platinum
Excellent
Expert Score5.0
Joining Fee
₹1,499
Annual Fee
₹1,499
- Complimentary Manchester United Football
- Up to 3 reward points per ₹100 spent domestically and up to 6 reward points on international spends
- 25% discount on movie tickets twice monthly
ICICI BANK LTD
Manchester United Signature
Excellent
Expert Score5.0
Joining Fee
₹2,999
Annual Fee
₹2,999
- Manchester United Football Club themed card
- Exclusive Manchester United merchandise
- Premium rewards on spends
ICICI BANK LTD
ICICI Bank Amazon Pay
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Amazon-specific rewards and cashback
- No-fee lifetime free card
- Special benefits on Amazon purchases
STATE BANK OF INDIA
OLA Money SBI Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹499
- Ride-related benefits and rewards on OLA platform
STATE BANK OF INDIA
Paytm SBI Card SELECT
Excellent
Expert Score5.0
Joining Fee
₹1,499
Annual Fee
₹1,499
- Premium rewards on Paytm ecosystem transactions
STATE BANK OF INDIA
Paytm SBI Card
Excellent
Expert Score5.0
Joining Fee
₹499
Annual Fee
₹499
- Enhanced rewards on Paytm ecosystem transactions
STATE BANK OF INDIA
Shaurya Select SBI Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹1,499
- Premium version of defense personnel card with enhanced benefits
STATE BANK OF INDIA
Shaurya SBI Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Special card for defense personnel with tailored benefits
Frequently Asked Questions
How do I choose the best credit card for Co-Branded Credit Cards?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for Co-Branded Credit Cards with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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