Category Directory16 cards evaluated

Top Co-Branded Credit Cards

Directory of 16 co-branded credit cards evaluated on verified bank terms.

Cards created with airline, retail or other brand partners.

Decision Focus:Partner vs General SpendsMerchant Ecosystem AccelerationMonthly Category Cap LimitsFee Waiver Thresholds

Card Finder Compare Side-by-Side

Quick Jump:1. Help Me Choose 2. Top Picks (10)3. Comparison 4. How We Rank 5. All Cards (16)6. Related Tools

Decision Shortcut|Help Me Choose

Find the right co-branded card for your spending profile:

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Curated Shortlist

Top Recommended Co-Branded Credit Cards

Ranked on verified bank terms, fee recovery, and net category yield. Transparent metrics, strengths, and trade-offs.

Showing 10 cards

Verified Lifetime FreeBOBCARD• RuPay / Visa

BOBCARD Uni GoldX Credit Card

Why CardRecommend Recommends This Card

The BOBCARD Uni GoldX Credit Card is a 100% Lifetime Free co-branded credit card offering 1% value back in Uni Coins (convertible to 24K Digital Gold via Augmont) on all eligible spends and merchant UPI payments via its virtual RuPay companion card, along with zero forex markup and up to 5% value back on Uni Store vouchers.

Reward Rate—

Key Perk—

Airport Lounges—

Annual FeeData unavailable

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

Full Review Compare

Apply on Official Portal

SBI Card• Visa

Eternal SBI Card

Why CardRecommend Recommends This Card

A dedicated dining, food delivery and quick-commerce co-branded credit card from SBI Card and Eternal. Offers 10% instant discount on Zomato, District, Bistro, and select Blinkit categories, 5% cashback on partner brands, and 1% base cashback for a ₹499 annual fee.

Reward Rate—

Key Perk—

Airport Lounges—

Annual FeeData unavailable

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

Full Review Compare

Apply on Official Portal

CSB Bank• RuPay

Jupiter Edge+ CSB Bank RuPay Credit Card

Why CardRecommend Recommends This Card

A co-branded RuPay credit card issued by CSB Bank in partnership with Jupiter. Delivers up to 50% Jewels (up to 10% effective value at ₹0.20/Jewel, or 7% as statement credit) on accelerated shopping merchants with >₹15,000 monthly spend, 25% Jewels on Jupiter Flights, and 5% Jewels base rewards on UPI and everyday purchases.

Reward Rate—

Key Perk—

Airport Lounges—

Annual FeeData unavailable

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

Also compare:Cashback SBI Card(Provides flat 5% cashback on all eligible online shopping without any monthly spend hurdle.)

Compare Card

Full Review Compare

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Verified Lifetime FreeYES BANK• RuPay

Kredit.Pe Max Credit Card

Why CardRecommend Recommends This Card

Co-branded RuPay credit card powered by YES BANK delivering 3% base and 5% milestone cashback on merchant UPI transactions via the Kredit.Pe app, 5% on online and gold spends, and a ₹1,000 welcome bonus.

Reward Rate—

Key Perk—

Airport Lounges—

Annual FeeData unavailable

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

Welcome: ₹1,000 Welcome Bonus

Full Review Compare

Apply on Official Portal

Verified Lifetime FreeBOBCARD• RuPay / Visa

BOBCARD Scapia Credit Card

Why CardRecommend Recommends This Card

The BOBCARD Scapia Credit Card is a co-branded travel credit card issued by BOBCARD in partnership with Scapia, offering zero annual fees for life, 0% forex markup on international spends, unlimited domestic lounge access on spending ₹20,000/billing cycle, and up to 20% Scapia Coins on travel bookings.

Reward Rate—

Key Perk—

Airport LoungesUnlimited Domestic

Annual FeeData unavailable

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

Unlimited DomesticMilestone: Monthly Airport Lounge Access & Privileges Unlock

Also compare:ixigo AU Credit Card(Lifetime-free alternative with 0% forex markup plus 16 railway and 8 domestic airport lounge visits annually.)

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SBI Card• RuPay / Visa

PhonePe SBI Card Select Black

Why CardRecommend Recommends This Card

A flagship co-branded credit card by SBI Card and PhonePe offering accelerated reward points on PhonePe ecosystem spends, bill payments, dining, and complimentary domestic airport lounge access.

Reward Rate—

Key Perk—

Airport Lounges2 Domestic/quarter

Annual FeeData unavailableRenewal fee waived on ₹2,00,000 annual spend

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

2 Domestic/quarterWelcome: Welcome PhonePe VoucherMilestone: Renewal Fee Reversal

Also compare:PhonePe HDFC Bank Ultimo Credit Card(Top alternative for PhonePe SBI Card Select Black offering complementary rewards and features.)

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Full Review Compare

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RBL Bank• Visa

RBL Shoppers Stop Black Credit Card

Why CardRecommend Recommends This Card

A premier luxury retail credit card by RBL Bank and Shoppers Stop, offering 20 First Citizen points per ₹100 at Shoppers Stop, ₹10,000 welcome voucher, First Citizen Black tier status, and airport lounge access.

Reward Rate—

Key Perk—

Airport Lounges—

Annual FeeData unavailableRenewal fee waived on ₹8,00,000 annual spend

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

Welcome: ₹8,500 Luxury Welcome VouchersMilestone: Annual Milestone 1 (Rs 4 Lakhs)

Also compare:Kotak White Credit Card(Top alternative for RBL Shoppers Stop Black Credit Card offering complementary rewards and features.)

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SBI Card• RuPay / Visa

Reliance SBI Card PRIME

SBI Card

Reliance SBI Card PRIME

•••• •••• •••• Card2026

Why CardRecommend Recommends This Card

SBI Card and Reliance Retail's premium co-branded card offering 10 Reward Points per ₹100 at Reliance Retail stores, ₹3,000 welcome voucher, 8 domestic + 4 international airport lounges, and up to ₹8,750 annual milestone vouchers.

Reward Rate—

Key Perk—

Airport Lounges2 Domestic/quarter + 4 Intl/year

Annual FeeData unavailableRenewal fee waived on ₹3,00,000 annual spend

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

2 Domestic/quarter + 4 Intl/yearWelcome: Welcome Reliance Retail VoucherMilestone: Renewal Fee Reversal

Also compare:SBI Card PRIME(SBI Card's core premium lifestyle card offering 20 RPs on utility bills, Club Vistara tier privileges, and 12 annual lounge visits at ₹2,999 fee.)

Compare Card

Full Review Compare

Apply on Official Portal

Secured (FD-Backed)SBM Bank India• RuPay

SBM Kredit.Pe Credit Card

Why CardRecommend Recommends This Card

Secured credit card issued by SBM Bank India backed by a fixed deposit, featuring credit limit up to 90% of deposit, RuPay credit-on-UPI capability, and zero joining fee.

Reward Rate—

Key Perk—

Airport Lounges—

Annual FeeData unavailable

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

Welcome: ₹200 Activation Cashback Bonus

Full Review Compare

Apply on Official Portal

#10

RBL Bank• Mastercard / RuPay

RBL Shoppers Stop Platinum Credit Card

Why CardRecommend Recommends This Card

A premium departmental shopping credit card from RBL Bank and Shoppers Stop offering up to 10 First Citizen reward points per ₹100 spent in-store, exclusive shopping vouchers, and milestone benefits.

Reward Rate—

Key Perk—

Airport Lounges—

Annual FeeData unavailableRenewal fee waived on ₹4,00,000 annual spend

Best if

You spend actively in this category and want consistent valueback with predictable fee break-even.

Skip if

You prefer single-card wallet simplicity without monitoring category spending limits or portal redemptions.

Main catch

Category exclusions apply to fuel, utilities, or wallet loads.

Welcome: ₹5,500 Welcome Gift VouchersMilestone: Annual Milestone 1 (Rs 2 Lakhs)

Also compare:RBL Platinum Delight Credit Card(Accessible lifestyle sibling card offering 2X weekend reward multipliers at a modest ₹1,000 annual fee.)

Compare Card

Full Review Compare

Apply on Official Portal

Side-by-Side Analysis

Co-Branded Top Recommendations Comparison

Compare key decision metrics, verified fee terms, caps, and limitations across the top 10 cards.

Card & Rank	Best For	Primary Benefit	Reward Structure	Annual Fee	Main Catch	Decision Action
#1 BOBCARD Uni GoldX Credit CardBOBCARD	Appreciating 24K Gold Rewards, UPI Scan & Pay, and Zero Forex International Spends	—	—	₹0Lifetime Free	—	Details vs
#2 Eternal SBI CardSBI Card	Zomato Food Delivery, Dining Out on District, Blinkit Orders & Quick-Commerce Spends	—	—	₹499/yr	—	Details vs
#3 Jupiter Edge+ CSB Bank RuPay Credit CardCSB Bank	UPI Scan & Pay, Accelerated Shopping on Amazon/Flipkart/Myntra (>₹15k Monthly Spend), and Jupiter Flights	—	—	₹0/yr	—	Details vs
#4 Kredit.Pe Max Credit CardYES BANK	Everyday merchant UPI payments, online shopping, and digital gold savings.	—	—	₹0Lifetime Free	—	Details vs
#5 BOBCARD Scapia Credit CardBOBCARD	Zero Forex Markup, Scapia Travel Rewards & RuPay UPI	—	—	₹0Lifetime Free	—	Details vs
#6 PhonePe SBI Card Select BlackSBI Card	Heavy PhonePe users, utility bill payers, and urban spenders seeking accelerated reward velocity on digital transactions.	—	—	₹1,499/yr	—	Details vs
#7 RBL Shoppers Stop Black Credit CardRBL Bank	High-spending fashion shoppers, departmental retail buyers, and luxury wardrobe curators who regularly shop across Shoppers Stop retail stores and app.	—	—	₹10,000/yr	—	Details vs
#8 Reliance SBI Card PRIMESBI Card	Loyal Reliance ecosystem shoppers (Reliance Digital, Trends, Smart Bazaar, JioMart) who spend ₹10,000+ monthly and travel domestically and internationally.	—	—	₹2,999/yr	—	Details vs
#9 SBM Kredit.Pe Credit CardSBM Bank India	Credit score repair, first-time credit builders, and secured UPI spending.	—	—	₹199/yr	—	Details vs
#10 RBL Shoppers Stop Platinum Credit CardRBL Bank	Regular fashion, lifestyle, and beauty shoppers at Shoppers Stop stores and digital platforms seeking direct discounts and milestone shopping vouchers.	—	—	₹5,000/yr	—	Details vs

Editorial Independence & Standards

How We Rank Co-Branded Credit Cards

Our objective, fact-checked scoring framework for evaluating credit cards in India.

Selection & Evaluation Criteria

✓Targeted category valueback rate and effective INR return
✓Monthly and billing-cycle reward caps
✓Verified joining and renewal fee waiver thresholds
✓Merchant exclusions (fuel, utilities, wallet top-ups, rent)

Scoring & Merit Framework

Objective 0–100 merit score derived from canonical financial data

Objective Verification:All reward conversion ratios, annual fees, and milestone benefits are audited against official bank Schedule of Charges (SOC) documents and MITC filings.

Confidence & Unknown Data Handling

Confidence is bounded to MEDIUM when merchant exclusion lists or fuel surcharge caps are unverified (UNKNOWN != verified none).

Commercial Independence Disclosure

In the event of an objective numerical tie, cards with broader merchant acceptance, lower annual renewal fees, and higher transparency regarding exclusion lists receive preference. Commercial partnerships never alter algorithmic merit ranking.

Complete Category Portfolio

All Co-Branded Credit Cards Directory (16)

Filter by fee tier, bank issuer, or search by card name. Ranked by authoritative merit order.

16 Cards TotalCompare Side-by-Side

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Showing 16 of 16 cards

Rewards

4.4Score

BOBCARD Verified

BOBCARD Uni GoldX Credit Card

Joining FeeFree

Renewal FeeFree (LTF)

NetworkRuPay / Visa

Best for: Appreciating 24K Gold Rewards, UPI Scan & Pay, and Zero Forex International Spends

Forex markup: 0% (Zero Forex)

Top Co-Branded Credit Cards

Find the right co-branded card for your spending profile:

Top Recommended Co-Branded Credit Cards

Co-Branded Top Recommendations Comparison

How We Rank Co-Branded Credit Cards

Selection & Evaluation Criteria

Scoring & Merit Framework

Confidence & Unknown Data Handling

Commercial Independence Disclosure

All Co-Branded Credit Cards Directory (16)

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