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Get the Best of Both Worlds with Co-Branded Credit Cards That Elevate Your Rewards Game

Unlock a world of possibilities with co-branded credit cards. Enjoy exclusive rewards and benefits tailored to your interests and lifestyle, all while earning points with every purchase. Experience the power of partnership with the ultimate card for the ultimate you.

How To Apply

About Co branded Credit Cards

A co-branded credit card is a credit card that is issued by a bank in partnership with another party, such as a retail partner, travel website, sports league, or premium hotel chain. These credit cards are sponsored by both entities and are designed to offer features and benefits from both parties. Depending on the partner the bank has teamed up with, customers can enjoy unique benefits while making purchase transactions.

Co-branded credit cards offer various incentives, discounts, and offers that are affiliated with retail merchants. In recent times, banks have been partnering with e-commerce websites to introduce co-branded credit cards. Fuel and airline credit cards are some of the most popular co-branded credit cards that offer rewards points, which can be redeemed for air miles, flight awards, products, and class upgrades.

In India, owning a co-branded credit card offers several benefits, including:

  • Wide Acceptance : Since co-branded credit cards are issued in partnership with major payment processing gateways like MasterCard or Visa, they are accepted worldwide. Cardholders can shop from any merchant's outlet across the globe.
  • Great Offers and Discounts : Compared to basic credit cards, co-branded credit cards offer exclusive offers and discounts.
  • No Finance Charges on EMI Transactions : Some co-branded credit cards do not levy finance charges on EMI transactions, making it more convenient for cardholders to pay off their balances
  • Redeeming Reward Points on Travel : Some co-branded credit cards allow their cardholders to redeem reward points for flight or hotel bookings, making travel cheaper.
  • Discounts on Dining and Entertainment : Many co-branded credit cards offer excellent discounts on dining and entertainment bills, which means cardholders can save money while spending.
No annual fees

The primary benefit of a lifetime free credit card is that it does not charge an annual fee, which can help cardholders save money. This means that the card can be used for an unlimited period of time without incurring any annual fees.

Partner Benefits

Co-branded credit cards are designed to offer specific benefits and rewards to customers of a particular partner. For example, a co-branded credit card with an airline partner may offer reward points that can be redeemed for air travel, while a co-branded credit card with a retail partner may offer discounts or cashback on purchases made at that particular retailer.

Enhanced Rewards

Co-branded credit cards may offer enhanced rewards in the form of points, cashback, or discounts on purchases made at the partner's outlets or website. These rewards may be higher than the rewards offered by regular credit cards, making co-branded credit cards a good choice for frequent shoppers or travelers.

Worldwide Acceptance

Co-branded credit cards are generally issued by major banks and are affiliated with major payment processing gateways such as Mastercard or Visa, which means they are accepted worldwide. This makes them a convenient payment option for travelers and those who shop online.

Lower Finance Charges

Lifetime free credit cards are often issued by major banks and credit card companies and are widely accepted by merchants and vendors both domestically and internationally.

Free or Reduced Annual Fees

Some co-branded credit cards may offer free or reduced annual fees, making them an attractive option for customers who do not want to pay high fees for a credit card.

Exclusive Access

Some co-branded credit cards may offer exclusive access to events, experiences, or offers that are not available to the general public. These may include priority boarding, free access to airport lounges, or exclusive discounts on products or services.

Visit Our Website

For the first step, you will have to visit our website to explore the options that fit your needs.

Select and Apply

Once you shortlist the credit card you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Credit Card!

Once your application gets approved based on your eligibility, you will be having your Credit Card in hand.

Leave Your Question


No, if you have crossed your 60s you are not considered an eligible party by the majority of the lenders.

Yes, you can apply for a personal loan even if you are a housewife.

No, you can’t apply for a personal loan without a PAN Card, as it is a mandatory document for all applicants.

The minimum required CIBIL Score for a personal loan application is 700

You can track your loan application on the official website of the lender or you can also visit ReferLoan’s website.