Co Branding Credit Cards

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Contents
INTRODUCTION...........................................................................................................................................3
Important Things to Check before Going to a Co-Branded Credit Card...................................................5
Standard credit card............................................................................................................................5
Instant approval credit cards...............................................................................................................5
Credit cards for Bad credit...................................................................................................................6
Specialty credit card............................................................................................................................8
WHAT IS A CO-BRANDED CREDIT CARD?.....................................................................................................9
Benefits to the Credit Card Company......................................................................................................9
Benefits to the Organization....................................................................................................................9
Benefits to the Cardholder....................................................................................................................10
Warning to Cardholders........................................................................................................................10
CO-BRANDED Vs AFFINITY CARDS.............................................................................................................10
Definitions:............................................................................................................................................10
Co-branded card programs:...............................................................................................................10
Affinity card program:........................................................................................................................10
BENEFITS OF ICICI......................................................................................................................................11
AMWAY.................................................................................................................................................11
Features of credit card:......................................................................................................................11
BIGBAZAAR............................................................................................................................................12
Eligibility criteria:...............................................................................................................................12
AIRTEL....................................................................................................................................................13
Features of ICICI Bank Airtel Silver Credit Card:.................................................................................13
TOYOTA.................................................................................................................................................13
Benefits:.............................................................................................................................................13
BENEFITS OF SBI........................................................................................................................................15
GO-AIR...................................................................................................................................................15
Fees:..................................................................................................................................................15
Features and Benefits:.......................................................................................................................15
HERO HONDA........................................................................................................................................15
LG..........................................................................................................................................................16
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LIFE STYLE..............................................................................................................................................16
Features and benefits:.......................................................................................................................16
SOCIAL CARD.........................................................................................................................................17
VISHAL MEGA MART..............................................................................................................................17
Eligibility:...........................................................................................................................................17
Fees:..................................................................................................................................................18
UBI.........................................................................................................................................................18
BENEFITS OF AXIS......................................................................................................................................19
SHRIRAM CREDIT CARD:........................................................................................................................19
Various cards:............................................................................................................................................20
ICICI.......................................................................................................................................................20
SBI..........................................................................................................................................................26
AXIS.......................................................................................................................................................29
CITIBANK................................................................................................................................................30
DEUTSCHE BANK....................................................................................................................................36
ABN AMRO............................................................................................................................................37
A case study:..............................................................................................................................................44
Conclusion:................................................................................................................................................45
References:................................................................................................................................................46
INTRODUCTION
If an organization or company is looking to invest some of its resources in a co-branded
credit card program, it should take the time to learn everything that the program offers. A co-
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branded credit card program allows a company to offer credit cards to its customers that has the
company's logo and name on the card. Each time the customer uses the card to make a purchase;
he or she is reminded of the company that issued the card. This branding can help an
organization to maintain a competitive edge over other companies. Many of the cards that are
offered as part of the co-branded credit program can be used just as any other credit card is used.
If the customer is happy with the services provided by the credit card you are offering, word of
mouth advertising can help to increase your customer base. Many of the co-branded credit
programs available on the market can work to help your company but they can also hurt your
company if they are the wrong match for your customers. Research the information available and
you will have the best resources necessary to help you to make the right choice in co-branded
credit card programs.
Co-branded cards account for one-third of MasterCard's U.S. card base and 20% of
Visa's. As the inebriant of the power of plastic wears off, sophisticated consumers need to
carefully review the costs and benefits associated with these cards. Understand that credit cards
serve two basic purposes: one, a means of payment, and two, a source of credit.
About one-third of credit card users use them as a method of payment and pay the
balance in full each month. Those consumers able to wipe the slate clean every month are
generally in the higher income brackets. With credit card interest rates going as high as 20%, the
benefit to the holder is an immediate savings on interest rates. The largest percentages of credit
cardholders, however, are installment users who consider credit cards an alternative method of
financing and carry a balance from month to month.
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Important Things to Check before Going to a Co-Branded Credit Card
Standard credit card
All banks and creditor companies have standard credit card offers you can apply for.
These packages are basic ones, and this means that there are no rewards programs included.
These types of credit cards, also called Classic, provide primary services like cash advances,
making balance transfers, and purchasing goods or services.
Although there are no extra benefits, in the introductory period there might be some
limited offers such as low or no interest rates on purchases and balance transfers. Keep in mind
that in order to apply, you have to be at least 18 years old. The credit application form needs to
be filled out with the accurate information, and honesty is important when you need to answer
questions about your personal and financial status. Finding a standard credit card with features to
suit your needs is not as hard as it seems. Banks have various attractive offers, but make sure to
check the interest rates and other details of the promotions. The time spent to select the credit
card that matches your needs will certainly pay off when you will start enjoying its benefits.
Keep in mind that the credit you receive should be paid back accordingly, and respect
repayment deadlines to avoid penalties or extra charges that might occur in the next month. This
way you can start building up a good credit history, and later on you can apply for cards with
special rewards programs or bonus points. In case you consider that you have a good credit
history and you would be eligible for another type of card, make sure to look for the best credit
card offers and choose the ones with lowest interest rates and suiting rewards programs.
Instant approval credit cards
 Technology nowadays allows you to do almost anything online: pay bills, shop online,
make transactions, and the list continues. But all these are not possible unless you own a
credit card.
 That piece of plastic has become a quintessential tool for our everyday life.
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 There are basically two ways one can apply for a credit card: one is the usual way by
going to your local bank, and the other is by completing an application form online.
 In the case of instant approval cards, there are a few steps to be taken: fill out the
application form, send it and have a little patience until your answer arrives.
In case your credit card is a co-brand between the issuer bank and British Airways for
example, and if you happen to be a frequent flyer, there you go, enjoy the discounts and extra
services they offer you in return for your “fidelity”. Think twice before you opt for just any co-
branded card. See to it that it is really in your advantage if you do so, meaning don’t choose it
unless it is necessary.
It may attract you the fact that most of these cards offer you the advantage that there is a
very low interest rate for the introductory period (which is 6 to 12 months usually). Don’t forget
to check what interest rates they charge after this period is up. Co-branded cards, like any other
type of credit cards, serve as a mean of payment and a source of credit as well.
Co-branded credit cards are often mentioned along affinity cards, and the similarity of
them comes from the fact that both represent a sort of a connection between a company or
organization and the customer. While having a co-branded card will reward you for being loyal
to a certain company, by opting for an affinity card you can donate a small percentage of your
purchases to an organization that fights for a cause you agree with.
Manage your finances wisely, and if you opt for a credit card, read their terms and
conditions carefully so that advantage will be on your side. Never choose one just because the
brand sounds appealing to you, but make sure you are a loyal client of the respective brand
which has also proved useful to you and your family over the years.
Credit cards for Bad credit
 Many people find it hard to get a credit card because of a poor credit rating, even if
they are currently free from accumulated debt. Because of a history of bad debt, they
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are refused credit cards, thus denying them a whole range of opportunities, from
flight bookings to online shopping.
 Recently, many companies are seeing the possibilities in extending credit cards for
bad credit to certain people. These companies specialize in credit cards for bad debt,
with the aim of gradually improving a person’s credit rating. Generally speaking
these bad credit cards have high rates of interest.
 This discourages people from missing payments by making it very expensive to do
so. These companies keep in contact with hundreds of credit bureaus, recording your
monthly payments.
By keeping up with your payments on your credit card for bad credit, therefore, you are
slowly improving your reputation with these credit bureaus, and eventually clearing the way for
you to be approved for a standard credit card to replace your credit card for bad credit.
Other credit cards for bad credit work by collecting more frequently than other cards – for
example, weekly repayments. In this sense, the credit cards for bad credit function like small
loans rather than the traditional credit card model. The urgency of the repayments along with the
routine of paying every week encourages people to keep up to date and ensures they don’t miss
payment on the credit card for bad credit.
There are a few disadvantages one should be aware of however. Many companies will try
to charge high initial fees and start up charges on the account. Others attempt to charge you for
setting up an account and saddle you with initial debt already built up on the card that you must
pay back or face interest payments on. You should completely avoid such companies as there are
many similar free programs for credit cards for bad credit out there.
Shop around to find the best credit card for bad credit for you. Often companies have a
one minute online eligibility test which can see if you qualify for their credit card for bad credit.
This makes research what programs you can get into a very easy and achievable goal. Some
companies specialize in credit cards for bad credit. As mentioned above, be careful you are not
ripped off, but do not be put off by this – many of the companies offering credit cards for bad
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credit are perfectly legitimate ways to escape your history of bad debt.
Credit cards for bad credit are therefore a somewhat drastic tool to repair your credit
rating. Keeping up with the program can restore your credit rating, but the penalties are tough,
and you must be sure you can keep up the payments. Nevertheless, for someone with a bad
rating, credit cards for bad credit are a reasonable solution (and often the only solution) to their
worries. Hopefully, a little while after your application, you will be on your way to being not
only debt free, but free of the burden of past debt too.
Specialty credit card
 Credit card companies often try to attract specific groups of customers through specialty
credit cards, which offer specific benefits to customers using certain services or spending
in certain areas, including cash back and discounts. Many universities around the world
produce alumni credit cards in association with the big credit card companies, which
donate a certain amount to the customer’s alma mater each time they are used.
 This kind of card, targeted at a specific group is called an affinity card.
 These specialty credit cards can be very rewarding if you find the right one for you, so
why not see which ones are on offer that suit you!
Some companies may even issue their own specialty credit card which offers discounts on their
product in particular.
Many specialty credit cards offered by the big companies (Visa, MasterCard, etc.) are
simply more competitive versions of their standard cards. As more and more companies enter the
market, competition for customers steadily increases, and companies will offer more and more
special offers. For example, many credit cards now offer air miles, gift certificates or money
back (sometimes 1% of your purchases are refunded to you with your bill – making it possible
for credit cards to be even cheaper than cash if always paid off). These types of credit card are
certainly worth looking into.
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Of course, there are many other kinds of specialty cards aside from these ones that we
focused on – student credit cards, business credit cards, etc. Credit card companies are eager to
specialize in many areas to attract as many potential customers as possible so there is bound to
be a specialty credit card for you. Why not take a look at our offers and see what specialty credit
card is right for you. You could save a lot of money, or help your favorite cause!
According to MasterCard, 55 percent of all credit card spending occurs on co-branded credit
cards. Co-branded credit cards benefit the issuing credit card company, the organization that is
represented on the credit card and the cardholder.
WHAT IS A CO-BRANDED CREDIT CARD?

A co-branded credit card is issued by a traditional credit card company or bank in
conjunction with another organization such as a university, business or charity. The
organization's logo is on the credit card. The credit card company handles all of the traditional
services such as processing transactions, billing the cardholder and receiving payments.
Benefits to the Credit Card Company

The credit card company benefits from co-branding because cardholders and prospective
cardholders have a existing affiliation with the organization. The organization that co-brands the
credit card often gives the credit card company its customer or member list for marketing
purposes. Marketing a credit card is much easier as a result of the affiliation that people have to
the organization. Also, cardholders tend to be more loyal because of their affiliation to the
organization.
Benefits to the Organization

The organization that co-brands a credit card often receives monetary compensation from
the credit card company for allowing its name to be used on a credit card. Normally, the
organization receives a small percentage of the credit card charges.
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Benefits to the Cardholder
Many corporations offer discounts and rewards for their products and services to the
cardholders of co-branded credit cards. Cardholders of university and charity co-branded credit
cards have the benefit of knowing that the purchases they make on the credit card benefit the
organization.
Warning to Cardholders
Although a cardholder may receive monetary benefits as a result of discounts and
rewards, the cardholder must always be sure that the benefits they receive are worth the costs
associated with the credit card. If the credit card requires an annual membership fee or charges a
high interest rate, the cardholder may do better by switching to another credit card.
CO-BRANDED Vs AFFINITY CARDS
Definitions:

In talking about the co-branded credit card industry, you will no doubt come across two types of
programs in the marketplace: co-branded and affinity. Some definition for each:
Co-branded card programs: Bank partners with a marketing partner (e.g. airline, hotel) to
issue a general purpose credit card. The value proposition (i.e. reward currency) is usually
generated back to the end user (you the cardholder).A co-branded credit card is sponsored by
both the issuing bank and a retail organization, such as a department store or an airline. With co-
branded credit cards, cardholders may get benefits, such as discounts or free merchandise, from
the sponsoring merchant.

Affinity card program: Pure affinity cards are similar to co-branded cards, except that the
bank's marketing partner is typically a charity, an association, educational institution or a similar
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organization for which consumers would have a partiality. The end user receives no tangible
benefit for using the card. Each purchase on the card results in a donation to the organization
(usually very small percentage). These days, affinity cards are beginning to straddle the two
concepts (i.e. affinity and co-brand). An affinity card is a credit card offered in conjunction with
two organizations, one a card issuer and the other a nonfinancial group with which consumers
have an affinity. Universities, sports franchises and nonprofit organizations are examples of
affinity groups that often offer special discounts or deals for using their credit cards issued in
partnership with a major bank.
BENEFITS OF ICICI
AMWAY
Features of credit card:
 Double Reward Points: On AMWAY transaction every Rs 100 = 2 Points o On NON

AMWAY transaction Rs 200 = 1 Point (25 points = 1 PV).
 Most powerful catalogue based rewards Program.
 Comprehensive Travel Benefits.
 Mobile Alerts and Statement by E-mail.
 1 Point for every Rs 150 spent on Amway Transactions.
 1 Point for every Rs 200 on Non Amway Transactions.
 Points redeemable against PV`s OR ICICI catalogue (25 Points =1 PV).
 W.e.f. July 1, 2010, you will earn 1 i-mint points on every Rs. 100 spent.
 W.e.f. July 1, 2010 - you will start earning i-mint points directly on your credit card
spends.
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BIGBAZAAR
India's second largest bank, ICICI Bank and Big Bazaar, India’s largest Hypermarket.
ICICI Bank and Big Bazaar extend the current ICICI Bank Big Bazaar Silver card program to
gold cards as well. The ICICI Bank Big Bazaar silver credit card has been a roaring success with
more than 2 lakh customers in just 2 years of the launch of the program. This makes the ICICI
Bank Big Bazaar silver card the third largest co-brand in the country.
ICICI Bank and Big Bazaar now reward the customers of the ICICI Bank Big Bazaar
silver credit card with a ICICI Bank Big Bazaar Gold card, as premium product for the esteemed
customers. An ICICI Bank-Big Bazaar co-branded card customer will earn 6 reward points
instead of one, for every Rs.100 spent through the card to make a purchase at any of the Big
Bazaar outlets.
A welcome Gift Voucher of Rs 250 will be redeemable at Big Bazaar on onetime spends
on the card of Rs 500. Moreover, on purchase of Rs.1,500/- and above, the co-branded card
customer will have an option to pay back the amount in 3 equal monthly installments, without
incurring any financing charges.
Eligibility criteria: The eligibility criteria for getting credit card from ICICI for Big Bazaar is
are as follows:
 The credit cards are only for selected cities.
 For employees the minimum salary that is eligible for the credit card is 20,000/- per month.
 If the customer is self employee the net annual income should be not less than Rs 2,50,000/-
per annum.
 To get an ICICI Bank Instant Gold/ Platinum Credit Card, all you need is a Fixed Deposit
with ICICI Bank.
 The minimum Fixed Deposit requirement for issuance of ICICI Bank Instant Gold credit
card is Rs.20, 000 and for ICICI Bank Instant Platinum credit card is Rs 60,000 with a minimum
tenure of 180 days.
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AIRTEL
Features of ICICI Bank Airtel Silver Credit Card:
 2 reward points for every Rs. 100 of Airtel mobile bill, for payment through the credit
card.
 3 reward points for every Rs.100 of Airtel mobile bill, for payment through Standing
Instruction on credit card.
 W.e.f. July 1, 2010, you will earn 1 i-mint points on every Rs. 100 spent.
 W.e.f. July 1, 2010 - you will start earning i-mint points directly on your credit card
spends.
The conditions are same for airtel as in case of Big bazaar.
TOYOTA
Toyota Kirloskar Motor Pvt. Ltd. (TKM) and ICICI Bank have come together for launching
India's first automobile credit card, the Toyota ICICI Bank Co-Branded Credit Card. Through this
tie-up, all customers who purchase a new Toyota vehicle will be offered a host of benefits that are
uniquely packaged as a part of this initiative.
Benefits:
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On joining the co-branded credit-card program, the cardholder will be offered
one free service voucher, redeemable across any of the Toyota Dealers nationally.
A 5% discount will be offered on standard Toyota accessories, purchased via the
co-branded credit card at a Toyota dealership.
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The Cardholder would earn 4 reward points for every Rs. 100 spent on Credit
Card at Dealer and 1 reward point for every Rs. 200 spent on Credit Card at
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Merchant Establishment. The reward points earned can be redeemed against
servicing of vehicles at the dealership and also for parts and accessories.
 The Toyota ICICI Bank Co-Branded Credit Card has been powered with a unique
rewards program called 'Multiplier Rewards Scheme'. 'Multiplier Rewards' gives the
customer the power of multiplying his existing reward points by 10 times and pay for the
purchase of a new Toyota car. Customers can use the reward points, to pay for the service
of the car and to buy car accessories.
 Cardholders can earn up to 10 reward points on every Rs. 200 spent through the
'Accelerated Rewards Program'. The number of points earned will vary for different
amount of spends done by the cardholder in a given year.
 The Toyota ICICI Bank Co-Branded Credit Card will be offered on the lines of the
'International Gold Card' feature, which has an added incentive of being 'free for life'.
This means that the co-branded credit card will not attract any renewal fees or annual
fees.

The cardholders would also be able to make down payment for the purchase their car
through the Toyota ICICI Bank Co-Branded Credit Card.
 Cardholders also have the option of converting the down payment amount into Equated
Monthly Installments while purchasing a new Toyota vehicle. All EMI's paid on the card
will be charged a special rate of 8.5% per annum repayable over a 12 month period.

Other offers for cardholders include special discounts on labor and component spends at
Toyota dealerships, fuel surcharge waiver when purchased from HPCL outlets and other
value added program benefits such as Personal Accident Insurance Coverage.
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BENEFITS OF SBI
GO-AIR
Go Air-low fare airline and SBI bank-India’s leading card Issuer Company launched
partnership card, Go Air SBI Card in association with VISA international. The card is specially
designed for frequent fliers, the card offers attractive reward program which gives 4 reward
points for every Rs.100/- spend on credit card to purchase Go Air tickets. These reward points
can be redeem against Go Air ticket purchase.
Fees:
Joining Fee- Rs.5000/-

Annual Fee- Rs.1500/-
Add on Card Fee- Rs.500/-
Features and Benefits:
1. Card is globally accepted at over 2 million outlets including 3, 25, 000 outlets in India.
2. Book railway tickets online at irctc.co.in.
3. Balance transfer at reasonable rates.
4. 0% fuel surcharge at all petrol pumps.
5. Utility bill payment facility.
6. Cash on the go.
7. Teledraft facility.
HERO HONDA
Hero Honda, countries leading two Wheeler Company and SBI cards, joint venture
between State bank of India and GE Capital, offers co-branded credit card ‘Hero Honda SBI
Card”. Hero Honda SBI Card is specially designed to strengthen the customer relation by
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offering Passport programme. The programme offers various reward and privileges to Hero
Honda buyers.
1. Card is globally accepted at over 24 million outlets, including 3, 25, 000 in India.
2. 1 reward point for every Rs.125 spent on credit card.
3. Balance transfer at lowest interest rate.
4. O% fuel surcharge waiver across all outlets for the purchases between Rs.400/- and
Rs.3000/- every time per transaction.
5. Utility bill payment facility for customer convenience.
6. Add on card facility at reasonable fee.
7. Regular updates of account status through e statement and SBI card alerts.
LG
LG SBI Card is a co-branded credit card between two leading companies of SBI Card
and LG Electronics India. The card combines with the all SBI features and exclusive benefits and
promotional offers from LG.
LG SBI Card is available in two variants- LG SBI Gold Card and LG SBI Silver Card
1. 2 reward point for every Rs.100/- spent on LG SBI Gold Card and 1 reward point for every
Rs.100/- spent on LG SBI Silver Card.
2. 0% fuel surcharge at all petrol pump outlets in India.
3. Balance transfer at low interest rate.
4. Online railway tickets booking through www.irctc.co.in.
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5. Utility bill payment facility.
6. Flexi pay allows you to pay in easy monthly installments’ for any purchases at LG.
7. SBI card alerts provide information regarding your credit card status.
LIFE STYLE
Features and benefits:
1. Cash on the go.

2. Utility Bill Payment Facility.
3. Flexi pay.
4. Teledraft Facility (Easy Money Draft).
5. Book your railway tickets online.
6. SBI Card Alerts.
7. SBI Card Pay Net.
8. SBI Card Pay Cash.
SOCIAL CARD
SBI Social Card is a specially designed to provide support NGOs. It has tied up with four
NGOs which the Cancer Patients Aid Association (CPAA), National Association for the Blind
(NAB), SOS Children Villages of India and WWF India.
The main aim is to provide support for these NGO’s by using simply credit card. They
will receive the donations in the form of reward points and fees from card holders, while SBI
bank will donate up to 20% of the annual and renewal fees.
1. An equal amount of reward point is donated to NGO’s.
2. 1 reward points for every Rs.125 spent on credit card.
3. 0% fuel surcharge at IOC and IBP outlets.
4. Balance transfer at reasonable rate.
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5. E-statement for customer convenience.
6. SBI card online to know the status of account.
VISHAL MEGA MART
SBI Vishal Mega Mart Card is the co-branded credit card that offers attractive reward
points with exclusive shopping benefits. You earn up to 8 reward points for every Rs.100/- credit
card spend at Vishal Mega Mart.
Eligibility:
1. Card is available for salaried, self employed and pensioners.

2. Minimum annual income is required Rs.75, 000/- for salaried and Rs.60,000/- for self employed
and pensioners.
Fees:
1. Joining Fee- Up to Rs.5000/-

2. Annual Fee- Up to Rs.1500/- p. a.
3. Add on Fee- Up to Rs. 500/- p. a.
1. Special offer at Vishal Mega Mart.

2. Balance transfer facility at reasonable rate.
3. 0% fuel surcharge waiver at all petrol pumps.
4. Online railway ticket booking facility.
5. Cash on the go facility.
UBI
SBI-UBI Credit card offers fully visa card to Indian residents. The card is build with
attractive features such as- cash on the go, utility bill payment facility, tele-draft facility, flexi
pay, card alerts and many more.
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Visa card offers security and freedom from a credit card. The rate of interest is very
attractive compared to other cards and it just up to 3.1% per month. The main added advantage
of that the card offers dual plans on balance transfer facility. The plan one offers 0% interest rate
for 3 months and plan two offers 0.99% for 6 months.
1. Card is accepted worldwide.
2. 0% fuel surcharge on SBI-UBI card across the nation.
3. Easy utility bill payment facility from UBI card.
4. 24/7 customer helpline.
5. Add on facility at lower price and enjoy the power of UBI card.
6. Monthly credit card report through E-statement.
7. Online booking for railway tickets through UBI card.
8. SBI alerts through mobile SMS for your credit card status.
9. Various payment options through ATM, Pay Net and Pay cash.
BENEFITS OF AXIS
SHRIRAM CREDIT CARD:
The Shriram Axis Bank co-branded credit card is exclusively for the customers of STFCL
having a good track record. This co-branded credit card will be very useful to the transport
operator in meeting his day-to-day working capital requirements and provide him safety and
convenience of plastic money.
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By using this co-branded credit card, the transport operator can withdraw cash from the
ATM, buy fuel, tires, oil, and batteries as well as make purchases at any VISA merchant outlet in
the country.
Features and benefits:

1. Photo Credit Card.
2. Complimentary Comprehensive Insurance Benefits:
* Personal Accident Cover*: Rs. 3, 00, 000

* Lost Card Liability: Rs. 40,000
* Credit Shield: Rs. 25,000
* Purchase Protection: Rs. 25,000
3. Reward Points: 1 reward point for every Rs. 100 spent on the card.
4. Free Mobile Alerts:
*Personal Accident Cover is valid only if the card has been used at a Merchant Establishment or
at an ATM for cash withdrawal in the 90 days preceding the incident.
Various cards:
ICICI
ICICI Megamart Credit Card

 Earn 6 reward points for every Rs.200 spent at Megamart.
 Free Megamart gift voucher worth Rs.200.
 EMI offers from Megamart.
Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

Free Free 3.15% pm 3.15% pm VISA
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Ba nk 0% Fue l Su rc ha rge Spe ci al Fea tu re Co- Br and
ICICI Bank No Megamart Rewards Megamart
ICICI XBOX 360 Credit Card

 Up to 40% discount on Microsoft and XBOX 360.
 0% Interest on purchase of XBOX 360.


ICICI Bank No XBOX Rewards XBOX
ICICI Sarovar Hotels Credit Card

 Earn 4 reward points for every Rs.100 spent at Sarovar
Hotels.
 Free night stay voucher for a couple after spending
Rs.10,000 at Sarovar Hotels.
 Free Room Upgrades.

Free Free 3.15% pm 3.15% pm MasterCard
ICICI Bank No Sarovar Hotel Rewards Sarovar
ICICI Bank HPCL Silver Credit Card

 0% fuel surcharge at HPCL outlets.
 Earn 1 reward point for every Rs.100 spent at HPCL.
 Discounts on auto accessories at HPCL
 Balance transfer option

ICICI Bank Yes (HPCL Outlets) HPCL Rewards HPCL
ICICI Bank HPCL Gold Credit Card
 0% fuel surcharge at HPCL outlets.

 Earn 1 reward point for every Rs.100 spent at HPCL.
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 Discounts on auto accessories at HPCL.
 High credit and cash limits.
 Balance transfer option.

ICICI Bank Yes (HPCL Outlets) HPCL Rewards HPCL
ICICI PRU Life Credit Card

 EMI schemes to pay life Insurance premiums.
 Discounts at hospitals and medical centers.
 Earn up to 10 reward points for every Rs.200 spent through
Xpress rewards program.
Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Ca sh A dvanc e F ee I ss ue r

Ba nk 0% Fu el Sur ch arg e Sp ec ial F eat ur e Co- Br and
ICICI Bank No Pay Insurance Premiums Prudential Life
ICICI BPL Mobile Credit Card

 Debit BPL mobile bills on the card.
 Earn reward points and get free airtime
 Free one year insurance against loss of mobile

ICICI Bank No BPL Rewards BPL Mobile
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ICICI BPL AMWAY Credit Card
 Earn 2 reward points for Rs.100 spent on Amway products.


ICICI Bank No Amway Rewards AMWAY
ICICI Bank Big Bazaar Silver Credit Card

 0% Interest EMI offers at Big Bazaar.
 Free gift voucher for Rs.250.
 Earn 4 reward points for every Rs.100 spent at Big Bazaar.

ICICI Bank No Big Bazaar Rewards Big Bazaar
ICICI Bank Big Bazaar Gold Credit Card

 0% Interest EMI offers at Big Bazaar.
 Earn 6 reward points for every Rs.100 spent at Big Bazaar.

ICICI Bank No Big Bazaar Rewards Big Bazaar
ICICI Bank Trinethra Credit Card

 Earn Â 2 reward points for every Â Rs.100 spent at
23
Trinethra.
 Complimentary gift on purchase of Rs.800.
 Express check out.

ICICI Bank No Trinethra Rewards Trinethra
ICICI Bank Orchid An Ecotel Credit Card

 Discounts at all Kamat Hotels.
 30% discount of room tariff.
 20% discount of F&B.
 30% discount on health club membership.

ICICI Bank Yes (HPCL Outlets) Orchid Rewards Orchid
ICICI Bank Mohun Bagan Credit Card

 Free 50 reward points when Mohun Bagan wins a match
 Opportunity to play Mohun Bagan XI*
 Opportunity to go to one English Premiership League
Match*
Join ing Fe e R en ew al Fe e Re gula r In te re st Ra te Ca sh A dvanc e F ee Is su er

Ba nk 0% Fue l Su rc ha rge Sp ec ial F eat ur e Co- Br and
ICICI Bank No Mohun Bagan Rewards Mohun Bagan
ICICI Bank Ebony Credit Card

 Earn 6 reward points for every Rs.100 spent at Ebony.
24
 Free gift vouchers worth Rs.250.
 EMI Offers

ICICI Bank No Ebony Rewards Ebony
ICICI Bank Airtel Silver Credit Card

 Earn 2 reward points for every Rs.100 spent at Airtel
through Credit Card.
 Earn 3 reward points for every Rs.100 spent through
standing instructions on mobile bill.

ICICI Bank Yes (HPCL Outlets) Airtel Rewards Airtel
ICICI Bank Airtel Gold Credit Card

 Earn 2 reward points for every Rs.100 spent at Airtel
through Credit Card.
 Earn 3 reward points for every Rs.100 spent through
standing instructions on mobile bill.
 Redeem reward points against HPCL vouchers.

ICICI Bank Yes (HPCL Outlets) Airtel Rewards Airtel
ICICI Bank Toyota Credit Card

 1 free car service at TKML outlet on joining.
25
 5% discount on accessories purchased at TKML outlets .
 Earn 8 reward points for every Rs.200 spent at TKML
outlets.

ICICI Bank Yes (HPCL Outlets) Toyota Rewards Toyota
ICICI Bank Thomas Cook Titanium Credit Card

 Free Holiday Voucher from Thomas Cook worth Rs.5000
 Access to Oberoi Aiprort lounges
 Discounts on domestic and international tickets through
Thomas Cook
 0% fuel surcharge
 15% discount at Flemingo duty free
Join ing Fe e Re ne wa l F ee R egu lar I nt er es t R at e Cas h Advan ce Fe e I ss ue r

Free Free 3.15% pm 2.5% pm (min Rs.250) MasterCard
Ba nk 0% Fue l Su rc ha rge Sp ec ial F eat ur e Co- Br and
ICICI Bank Yes (All outlets) Travel discounts Thomas Cook
ICICI Bank Ascent American Express Credit Card

 Earn 6 reward points for every Rs.100 spent
 10% discount at Provogue
 Fuel surcharge waiver at all outlets

 Free Gift vouchers from yatra.com, Provogue and more
 Exclusive privileges from Taj Hotels

2.75% pm 2.5% (min Rs300) AMEX
ICICI Bank Yes (All outlets) Up to 6% Cash Back AMEX
26
SBI
GoAir SBI Credit Card

 Earn 4 reward points for every Rs.100 spent on purchase of
GoAir tickets
 Redeem points against future GoAir ticket purchases
 Discounts on GoAir tickets purchases
 Low interest balance transfer option
 O% fuel surcharge on fuel purchases

Free Free 3.10% pm 2.5% pm (min Rs.250) VISA
SBI (State Bank of India) Yes (All outlets) GoAir discounts GoAir
Hero Honda SBI Credit Card

 Special discounts and privileges at Hero Honda outlets
 Free 1 year membership for Hero Honda passport members
 Tiered low interest rate as low as 1.75% based on spend
 0% fuel transaction fee at IOC and IBP

Rs.1500 Rs.1500 1.75% - 3.10% pm 2.5% pm (min Rs.250) VISA
SBI (State Bank of India) Yes (IOC/IBP) Hero Honda discounts Hero Honda
LG SBI Credit Card

 Get Rs.225 cash back when you buy LG products from its
online store
 1 Lucky winner wins an LG product every month
 Exclusive LG offers and discounts
 0% fuel surcharge at IOC and IBP outlets

Rs.1500 Rs.1500 3.10% pm 2.5% pm (min Rs.250) VISA
SBI (State Bank of India) Yes (IOC/IBP) LG Discounts LG
SBI Lifestyle Credit Card

 Earn 4 reward points for every Rs.100 spent at Lifestyle
27
 Offers from Dominos Pizza
 O% fuel surcharge at IOC / IBP outlets
 Discounts at Radisson hotels
 20% dining discounts
Join ing Fe e R en ew al Fe e Re gula r In te re st Ra te Ca sh A dvanc e F ee Is su er

Ba nk 0% Fu el Sur ch arg e Spe ci al Fea tu re Co -B ran d
SBI (State Bank of India) Yes (IOC/IBP) Travel / Hotel discounts LifeStyle
SBI Railway Credit Card

 Discounts on train tickets
 0% transaction fee on train tickets
 Earn Free train tickets
 0% balance transfer
 Free personal accident insurance worth Rs.10 Lakhs
Join ing Fe e R en ew al Fe e R egu lar I nt er es t R at e Cas h Advan ce Fe e Is su er

Ba nk 0% Fue l Su rc ha rge Sp ec ial F eat ur e Co -B ran d
SBI (State Bank of India) Yes (IOC/IBP) Discounts on Train tickets Indian Railways
SBI Vishal Mega Mart Credit Card

 Discount voucher of Rs.250
 Earn up to 8 reward points for every Rs.100 spent at Vishal
Mega Mart
 0% fuel transaction fee at IOC/IBP outlets
Join ing Fe e Re ne wa l F ee R egu lar I nt er es t R at e Cas h Advan ce Fe e Is su er

Ba nk 0% Fu el Sur ch arg e Spe ci al Fea tu re Co- Br and
SBI (State Bank of India) Yes (IOC/IBP) Vishal Mega Mart Offers Vishal Mega Mart
SBI Social Credit Card
28
 Contributes to NGOs every time you spend
 NGOs include CCPA, NAB, SOS and WWF
 Personal concierge service

SBI (State Bank of India) Yes (IOC/IBP) Contribute to NGOs NGO\'s
SBI UBI (United Bank of India) Advantage Credit Card

 Shop and Smile rewards program

SBI (State Bank of India) Yes (IOC/IBP) Rewards program United Bank of India
SBI UBI (United Bank of India) Gold Credit Card

 Shop and Smile rewards program

SBI UBI (United Bank of India) International Credit Card

 Travel Insurance
29
 Personal concierge service

AXIS
Axis Bank Shriram Credit Card

 For transport operators
 Complimentary comprehensive insurance cover
 Rewards program
 Working capital financing

May vary May vary VISA
Axis Bank (UTI) Yes (May Vary) For transport operators Shriram
CITIBANK
First Citizen Citibank Credit Card

 Automatic entry to the Shoppers' Stop Loyalty program,
First Citizen Club.
 Earn up to 5 Rewards Points and redeem for great
merchandise at Shoppers' Stop.
 It's free membership to the Shoppers' Stop Loyalty
programme!
Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Ca sh A dvanc e F ee I ss ue r

Free Free 3.19% (38.28% PA) 2.5% pm (min Rs.250) MasterCard
30
Ba nk 0% Fu el Sur ch arg e Spe ci al Fea tu re Co- Br and
Citibank Yes (Indian Oil Outlets) Shopping Rewards Shoppers Stop
Jet Airways Citibank Gold Credit Card

 No Annual Fee (Lifetime Free)
 Earn 2 JPMiles for every Rs 100 spent on your credit card
 Earn Double JPMiles for spends on Jet Airways tickets
booked through www.jetairways.com
 Get 1000 JPMiles on first usage of the credit card every
year

Citibank No Earn Airline Miles Jet Airways
Jet Airways Citibank Platinum Credit Card

 Earn 4 JPMiles per Rs.100 spent on the credit card
 Get 3000 JPMiles on booking and 4000 JPMiles every year
on renewal of your Credit Card

Rs. 2000/- Rs. 2500/- 3.19% (38.28% PA) 2.5% pm (min Rs.250) VISA
Jet Airways CitiBusiness Credit Card

 Working Capital Financing
 Get 1000 JPMiles on first usage of the credit card every
year

Free Free 3.19% (38.28% PA) 2.5% pm (min Rs.250) VISA
31
Jet Airways Citibank Silver Credit Card
 No Annual Fee (Lifetime Free)
 Earn double JPMiles for tickets booked on jetairways.com

Citibank Yes (Indian Oil Outlets) Earn Airline Miles Jet Airways
Diners Club British Airways Credit Card

 First Year Free
 Earn 2.5 BA Miles for every Rs.100 spent on your credit
card
 Enjoy access to International Lounges & Business Centers
 Priority booking on busy flights, seat & meal preferences

Free Rs.3000/- 2.75% pm 3% pm (min Rs.100) Diners Club
Citibank No Earn Airline Miles British Airways
IndianOil Citibank Gold Credit Card

 Earn 4 Turbo Points for every Rs. 150/- spent at IOC
outlets.
 No transaction fees applicable on petrol or other IndianOil
products purchased at IndianOil Outlets.
 Save 5% every time you fill fuel at IOC pumps.

Citibank Yes (Indian Oil Outlets) Earn Fuel Points Indian Oil
IndianOil Citibank Credit Card
32
 Earn 3 Rewards Points on every Rs. 200/- spent at IOC
outlets and 1 Rewards Point for Rs. 200/- spent on non-fuel
purchases.
 You can redeem your Turbo points for free fuel at IOC
outlets.
 An Additional Credit Card for your dependent, FREE.

Citibank Yes (Indian Oil Outlets) Earn Fuel Points Indian Oil
Maruti Suzuki Auto Credit Card

 Earn up to 20,000* Points as additional rewards when you
exchange your car for your next Maruti Suzuki car.
 Benefits from MUL, IOC and Citibank.
 Chip card helps you earn and redeem Points
instantaneously.
Join ing Fe e Re ne wa l F ee R egu lar I nt er es t R at e Ca sh A dvanc e F ee I ss ue r

Ba nk 0% Fue l Su rc ha rge Spe ci al Fea tu re Co -B ran d
Citibank Yes (Indian Oil Outlets) Earn Auto/Fuel Points Maruti / Indian Oil
Reliance Gold Credit Card

 Higher Credit and Cash limits.
 Get complimentary Gift Vouchers worth Rs. 400 on
signing up.
 Get an Insurance package with a dual offer to pay off your
Card outstanding of up to Rs. 25 lakh with personal
accident cover.

Citibank Yes (Indian Oil Outlets) Reliance Rewards Reliance
33
Reliance Silver Credit Card
 You earn accelerated Rewards Points for spends on select
Reliance Products and Services.
 Get Complimentary Gift Vouchers worth Rs. 200 on
signing up.
 Get an Insurance package with a dual offer to pay off your
Card outstanding of up to Rs. 10 lakh with personal
accident cover.

Citibank Yes (Indian Oil Outlets) Reliance Rewards Reliance
Vodafone Citibank Credit Card

 Specially designed Vodafone Citibank Rewards Program.
 One Talk Point has a redeemable value of Re. 1. These
Talk Points can be redeemed for free airtime against your
Vodafone bills.
 Pay your monthly mobile bills by issuing Standing
Instruction on your Card.

Citibank Yes (Indian Oil Outlets) Vodafone Rewards Vodafone
MTV Citibank Credit Card

 Enjoy the exclusive benefits of Citibank MTV Club. Get
discounts at the most happening hangouts and a whole
range of other benefits.
 Show off your cool 3-sided card to friends - the only one
of its kind in the market.
 Earn 1 Rewards Point per Rs. 150/- spent and redeem it for
cool MTV merchandise.

Citibank Yes (Indian Oil Outlets) MTV Rewards MTV
34
International Times Credit Card
 Get the best seats in the house to movies, shows, concerts,
launches and more.
 You can now apply for the new Times iCard - the first ever
Additional Card for Teens.
 Earn valuable Times Rewards Points, which can be
redeemed for an array of exciting products.

Citibank Yes (Indian Oil Outlets) Times Rewards Times
CRY Citibank Credit Card

 Percentage contribution of your spend to CRY's Kislay
Project based in the slums.
 Consolidate your debts with Balance Transfer. Get instant
loan with Loan on your Credit Card.
 Earn one Rewards Point for every Rs. 150/- you spend on
your Card.

Citibank Yes (Indian Oil Outlets) Contribute to CRY CRY
WWF Citibank Credit Card

 Contributions to WWF projects aimed towards protecting
nature and endangered animals.
 Get free invitation to nature camp in an effort to enable
people to enjoy and appreciate their environment.
 Pay your bills online with just a click.

Citibank Yes (Indian Oil Outlets) Contribute to WWF WWF
Taj Epicure Diners Club Credit Card
35
 Earn back 10% of your spends on food and beverage.
 Earn Club Rewards Points for spends.
 Enjoy free entry to Taj discotheques.

Rs.2000/- Rs.2000/- 2.75% pm 3% pm (min Rs.100) Diners Club
Citibank No Diners Rewards Taj Hotels
Delhi Metro Citibank Credit Card

 2 in 1 credit card for use in Delhi Metro
 Redeem points for free Metro Rides
 Earn 2 reward points for every Rs.100 spent on Delhi
Metro
 Earn 1 reward point for every Rs.100 spent with other
merchants
 5 free additional cards for your family members

Free Free 3.15% pm 2.0% (Min Rs.300) VISA
Citibank Yes (Indian Oil Outlets) 2 in 1 credit card Delhi Metro
DEUTSCHE BANK
Deutsche Bank Miles & More Platinum Credit Card

 Earn Miles & More award miles when you spend.
 5000 Bonus miles on first transaction.

 No expiry on miles.
 Insurance cover up to 25 lakhs.
Joining F ee Re ne wa l F ee R egu lar I nt er es t R at e Ca sh A dvanc e F ee Is su er

Rs.3,000 Rs.2,000 2.95% pm 2.5% pm (min Rs.250) VISA
Bank 0% Fue l Su rc ha rge Spe ci al Fea tu re Co -B ran d
36
Deutsche Bank Yes (All outlets) Miles & More Rewards Miles & More
Deutsche Bank Miles & More Signature Credit Card

 Earn Miles & More Rewards.
 10,000 bonus miles on first transaction.
 Access to airline lounges worldwide.
 Insurance of up to 50 lakhs.
Joining F ee Re ne wa l F ee R egu lar I nt er es t R at e Ca sh A dvanc e F ee Is su er

Rs.7,500 Rs.4,500 3.5% pm 2.5% (min Rs.300) VISA
Bank 0% Fue l Su rc ha rge Spe ci al Fea tu re Co -B ran d
Deutsche Bank Yes (All outlets) Miles & More Rewards Miles & More
Deutsche Bank Landmark Gold Credit Card

 Choose your own credit card design.
 Welcome gift from Landmark on joining.
 Discounts at Landmark.
 Choose your own billing cycle.
 Fraud transaction protection.
Joining F ee Re ne wa l F ee R egu lar I nt er es t R at e Cas h Advan ce Fe e I ss ue r

Rs.999 Free 2.95% pm 2.5% (min Rs.250) VISA
Bank 0% Fu el Sur ch arg e Sp ec ial F eat ur e Co- Br and
Deutsche Bank Yes (All outlets) Landmark Rewards Landmark
Deutsche Bank Landmark Platinum Credit Card

 Choose your own credit card design.
 Exclusive Platinum service.
 Travel and Golf discounts.
 Choose your statement cycle.
 High credit limit.

Rs.10,000 Rs.2500 3.5% pm 2.5% (min Rs.300) VISA
Deutsche Bank Yes (All outlets) Cash Back Landmark
37
ABN AMRO
ABN AMRO Barista Credit Card

 Free Barista gift vouchers.
 0% fuel surcharge at all outlets.
 Balance transfer options.
Joining Fee Renewal Fee Regular Interest Rate Cash Advance Fee Issuer
Rs.199 Rs.299 3.5% pm 2.5% pm (min Rs.300) MasterCard
Bank 0% Fuel Surcharge Special Feature Co-Brand
ABN Amro Yes (All outlets) Barista Coffee Rewards Barista
ABN AMRO Adlabs Credit Card

 Redeem points for Free movie tickets.
 Exclusive ticket counter at Adlabs theaters.
 Exclusive shows and last minute ticket reservations.
 0% fuel surcharge at all outlets.

Rs.199 Rs.299 3.5% pm 2.5% pm (min Rs.300) MasterCard
ABN Amro Yes (All outlets) Adlabs Rewards Adlabs
ABN AMRO MakeMyTrip Go Credit Card

 Earn GO Miles with every purchase
 Earn extra GO miles when you purchase tickets on
MakeMyTrip.com
 Exclusive rewards and offers from MakeMytrip.com
 Easy EMI options
 Free for Life
Join ing Fe e R en ew al Fe e R egu lar I nt er es t R at e Ca sh A dvanc e F ee I ss ue r

Free Free 3.5% pm 2.5% (min Rs300) MasterCard
Ba nk 0% Fu el Sur ch arg e Sp ec ial F eat ur e Co -B ran d
ABN Amro Yes (All outlets) MakeMyTrip Rewards MakeMyTrip.com
38
Rewards Points
Type of
Bank
Credit Salaried Self- Employed
Name
Card
Transaction fee waiver, Reward Transaction fee waiver, Reward
American HPCL
points for spends above a certain points for spends above a certain
Express Credit Card
limit. Can be redeemed for fuel. limit. Can be redeemed for fuel.
Axis Gold Get 1 reward points on spent of Get 1 reward points on spent of
Bank Credit Card Rs.100 Rs.100
Smart Earn 1 Barclaycard Point for every Earn 1 Barclaycard Point for every
Barclays Budget Rs.100 spent on your Barclaycard Rs.100 spent on your Barclaycard
Credit Card Smart Budget. Smart Budget.
Barclays Gold Card Earn 2 Barclaycard Points for every Earn 2 Barclaycard Points for every
Rs.100 spent on your Barclaycard Rs.100 spent on your Barclaycard
39
Gold Gold
Yatra Earn 2 Barclaycard Points for every
Earn 2 Barclaycard Points for every
Barclays Rs.100 spent on your Yatra
Barclays Rs.100 spent on your Yatra
Platinum Barclays Platinum Card
Barclays Platinum Card
Card
Premier Earn 2 Barclaycard Points for every Earn 2 Barclaycard Points for every
Barclays League Rs.100 spent on your Barclays Rs.100 spent on your Barclays
Credit Card Premier League card. Premier League card.
Times Card Every time you swipe your card,
from Every time you swipe your card, you will earn reward points and can
Barclays Barclays you will earn reward points and can redeem them for gift voucher
and Times redeem them for gift voucher
of Money
2 JPMiles for every Rs 100 spent 2 JPMiles for every Rs 100 spent
using this card. Mileage can be using this card. Mileage can be
Jet redeemed for free travel. Earn redeemed for free travel. Earn
Airways double JPMiles for spends on jet double JPMiles for spends on jet
Citibank
Gold airways tickets booked through airways tickets booked through
Credit Card www.jetairways.com. Get 1000 www.jetairways.com. Get 1000
JPMiles on first usage of the credit JPMiles on first usage of the credit
card every year. card every year.
4 JPMiles for every Rs 100 spent 4 JPMiles for every Rs 100 spent
using this card. Mileage can be using this card. Mileage can be
redeemed for free travel. Earn redeemed for free travel. Earn
Jet
double JPMiles for spends on jet double JPMiles for spends on jet
Airways
Citibank airways tickets booked through airways tickets booked through
Platinum
www.jetairways.com. Get 3000 www.jetairways.com. Get 3000
Credit Card
JPMiles on booking and 4000 JPMiles on booking and 4000
JPMiles every year on renewal of JPMiles every year on renewal of
your credit card your credit card
Shoppers 4 points for every Rs 100 spent at
4 points for every Rs 100 spent at
Citibank Stop Silver any Shoppers' Stop outlets
any Shoppers' Stop outlets
Credit Card
Silver On spent of Rs.200 get you will get On spent of Rs.200 get you will get
HDFC
Credit Card one reward point one reward point
Gold On spent of Rs.150 get you will get On spent of Rs.150 get you will get
HDFC
Credit Card one reward point one reward point
Earn 2 reward points for Rs150 on Earn 2 reward points for Rs150 on
Titanium your domestic spends and 5 reward your domestic spends and 5 reward
HDFC
Credit Card points for every Rs150 on your points for every Rs150 on your
international spends. international spends.
Platinum On spent of Rs.150 get you will get On spent of Rs.150 get you will get
HDFC
Credit Card 2 reward point 2 reward point
HDFC Visa On spent of Rs.150 get you will get On spent of Rs.150 get you will get
40
Signature
2 reward point 2 reward point
Credit Card
Platinum Get 2 reward points on spent of Get 2 reward points on spent of
HSBC
Credit Card Rs.150 Rs.150
Gold Get 1 reward points on spent of Get 1 reward points on spent of
HSBC
Classic Get 1 reward points on spent of Get 1 reward points on spent of
HSBC
One-time gift voucher worth Rs 250 One-time gift voucher worth Rs 250
to be redeemed at Big Bazaar to be redeemed at Big Bazaar
ICICI Big Bazaar
outlets, 4 points for every Rs100 outlets, 4 points for every Rs100
Bank Credit Card
spent at Big Bazaar and 1 point at spent at Big Bazaar and 1 point at
other stores other stores
Earn 2 reward points on every spent Earn 2 reward points on every spent
ICICI Titanium
of Rs.200, 0% fuel surcharge across of Rs.200, 0% fuel surcharge across
Bank Credit Card
all the petrol pumps all the petrol pumps
Earn 1reward point on the spent of Earn 1reward point on the spent of
ICICI Platinum Rs.100 on retail shopping, 0% fuel Rs.100 on retail shopping, 0% fuel
Bank Credit Card surcharge across all the petrol surcharge across all the petrol
pumps. pumps.
Earn 5 points on every international Earn 5 points on every international
spend of Rs.100, 4 points on every spend of Rs.100, 4 points on every
travel-related spend of Rs.100, 2 travel-related spend of Rs.100, 2
ICICI Signature
points on every hotel and dining points on every hotel and dining
Bank Credit Card
related spend of Rs.100 and 1 point related spend of Rs.100 and 1 point
on every Rs100 on all other on every Rs100 on all other
transactions. transactions.
Kotak Trump 10% cash back on movies & plays 10% cash back on movies & plays
Bank Gold Card and on food & drinks and on food & drinks
League
Kotak Get 1 reward points on spent of Get 1 reward points on spent of
Platinum
Bank Rs.100 Rs.100
Card
Royale
Kotak Get 1 reward points on spent of Get 1 reward points on spent of
Signature
Bank Rs.100 Rs.100
Card
Gold Earn one reward point on spent of Earn one reward point on spent of
SBI
Sliver
SBI - -
Credit Card
Platinum Earn one reward point on spent of Earn one reward point on spent of
SBI
Other Benefits
Bank Type of Credit Salaried Self- Employed
41
Name Card
Discounts at Planet M and Discounts at Planet M and
Fabmall stores, 1% waiver on the Fabmall stores, 1% waiver on
American HPCL Credit
prevailing interest rate for the prevailing interest rate for
Express Card
American Express personal American Express personal
loan . loans.
2 free return tickets on economy 2 free return tickets on
class on IA network on buying economy class on IA network
American Indian Airlines tickets worth Rs 75,000 charged on buying tickets worth Rs
Express Credit Card through the card, Accident 75,000 charged through the
insurance cover of up to Rs 50 card, Accident insurance cover
lakh. of up to Rs 50 lakh.
EMI feature on Axis Bank
EMI feature on Axis Bank Credit
Credit Card gives you the
Card gives you the convenience
Axis Bank Gold Credit Card convenience of paying for High
of paying for High Value Credit
Value Credit Card transactions
Card transactions in easy EMIs
in easy EMIs
Free domestic ATM cash Free domestic ATM cash
Smart Budget
Barclays withdrawals, 0% interest on withdrawals, 0% interest on
Credit Card
balance transfers for 3 months balance transfers for 3 months
Choose your Billing card Choose your Billing card
Barclays Gold Card statement according to your statement according to your
convenience convenience
Yatra Barclays Flexible minimum monthly Flexible minimum monthly
Barclays
Platinum Card payment upto 5% payment upto 5%
Choose your Billing card Choose your Billing card
statement according to your statement according to your
Premier League convenience. With this you will convenience. With this you will
Barclays
Credit Card get an entry into draws to win get an entry into draws to win
Barclays Premier League tickets Barclays Premier League
and merchandise tickets and merchandise
Times Card from Interest free period upto 50days Interest free period upto 50days
Barclays Barclays and
TimesofMoney
Insurance cover of Rs 5, 00,000 Insurance cover of Rs 5, 00,000
Indian Oil Credit
Citibank on air accidents, Purchase on air accidents, Purchase
Card
protection covers of Rs 15,000. protection covers of Rs 15,000.
Get complimentary upgrade Get complimentary upgrade
voucher* to première on every voucher* to première on every
Jet Airways Gold
Citibank 10000 JPMiles with the Jet 10000 JPMiles with the Jet
Credit Card
Airways Citibank Gold Credit Airways Citibank Gold Credit
Card. Card.
Citibank Jet Airways Get 50% family discount Get 50% family discount
Platinum Credit vouchers* on booking and on vouchers* on booking and on
42
renewal every year. Discount
renewal every year. Discount
Vouchers valid on both
Card Vouchers valid on both domestic
domestic And international
and international sectors.
sectors.
Personal accident insurance of Personal accident insurance of
Rs 5 lakh (air) and Rs 1 lakh Rs 5 lakh (air) and Rs 1 lakh
Shoppers Stop
Citibank (non-air), Purchase protection of (non-air), Purchase protection
Silver Credit Card
Rs 15,000, Baggage protection of Rs 15,000, Baggage
of Rs 10,000. protection of Rs 10,000.
Get up to 3 add-on cards for your Get up to 3 add-on cards for
spouse, parents, siblings (own your spouse, parents, siblings
HDFC Silver Credit Card
brother/sister), son and/or (own brother/sister), son and/or
daughter (over 18 years). daughter (over 18 years).
Enjoy a free interest period of
Enjoy a free interest period of 50
HDFC Gold Credit Card 50 days from the date of
days from the date of purchase.
purchase.
Titanium Credit Zero liability on any fraudulent Zero liability on any fraudulent
HDFC
Card transactions on your card. transactions on your card.
Platinum Credit Zero liability on any fraudulent Zero liability on any fraudulent
HDFC
Card transactions on your card. transactions on your card.
Visa Signature Zero liability on any fraudulent Zero liability on any fraudulent
HDFC
Credit Card transactions on your card. transactions on your card.
Platinum Credit Low rate of interest of 2.75% per Low rate of interest of 2.75%
HSBC
Card month per month
You can take 3 add on credit You can take 3 add on credit
HSBC Gold Credit Card
card card
Classic Credit You can take 3 add on credit You can take 3 add on credit
HSBC
Card card card
ICICI HPCL Credit Insurance benefits, Discounts on Insurance benefits, Discounts
Bank Card air-travel. on air-travel.
Tele-ordering and free home
Tele-ordering and free home
delivery, Personal accident
delivery, Personal accident
insurance of Rs 10 lakh (air)
ICICI Big Bazaar Credit insurance of Rs 10 lakh (air) and
and Rs 1 lakh (non-air),
Bank Card Rs 1 lakh (non-air), Baggage
Baggage insurance of Rs
insurance of Rs 10,000, Purchase
10,000, Purchase protection of
protection of Rs 25,000.
Rs 25,000.
10% discount at Flemingo Duty- 10% discount at Flemingo
ICICI Titanium Credit
free shops at International Duty-free shops at International
Bank Card
airports across India airports across India
ICICI Platinum Credit Air-accident insurance of up to Air-accident insurance of up to
Bank Card Rs. 40 lac Rs. 40 lac
ICICI Signature Credit Air-accident insurance of Rs. 3 Air-accident insurance of Rs. 3
Bank Card crore crore
43
Kotak No interest, No fee for 3
Trump Gold Card No interest, No fee for 3 months
Bank months
Kotak League Platinum 10% savings on spends at Taj 10% savings on spends at Taj
Bank Card Restaurants and Bars Restaurants and Bars
Lost or Stolen Card fraudulent Lost or Stolen Card fraudulent
Kotak Royale Signature
charges cover of Rs. 50,000/-, charges cover of Rs. 50,000/-,
Bank Card
upto 12 hours pre-reporting upto 12 hours pre-reporting
No surcharge on fuel purchase of No surcharge on fuel purchase
SBI Gold Credit Card
Rs.400 and upto 3,000 of Rs.400 and upto 3,000
No surcharge on fuel purchase of No surcharge on fuel purchase
SBI Silver Credit Card
Rs.400 and upto 3,000 of Rs.400 and upto 3,000
Platinum Credit No surcharge on fuel purchase of No surcharge on fuel purchase
SBI
Card Rs.400 and upto 4,000 of Rs.400 and upto 4,000
A case study:
44
Conclusion:
Co-branded credit cards are used by various banks to acquire the customers and to retain
the existing customers by providing various different types of cards and benefits for each type.
This is a powerful tool in acquiring the customers. They provide benefits for both salaried
employees and self-employed too. Each bank and the type of card have its own eligibility criteria
as per the different types of requirements of the customers; the features and benefits are
provided.
45
References:
46

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Co Branding Credit Cards

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Instant approval credit cards

Credit cards for Bad credit

Specialty credit card

WHAT IS A CO-BRANDED CREDIT CARD?

Benefits to the Credit Card Company

Benefits to the Organization

CO-BRANDED Vs AFFINITY CARDS

 Double Reward Points: On AMWAY transaction every Rs 100 = 2 Points o On NON

The conditions are same for airtel as in case of Big bazaar.

Joining Fee- Rs.5000/-

Features and Benefits:

Features and Benefits:

2. 1 reward point for every Rs.125 spent on credit card.

3. Balance transfer at lowest interest rate.

5. Utility bill payment facility for customer convenience.

6. Add on card facility at reasonable fee.

Features and Benefits:

1. Cash on the go.

Features and Benefits:

1. An equal amount of reward point is donated to NGO’s.

2. 1 reward points for every Rs.125 spent on credit card.

3. 0% fuel surcharge at IOC and IBP outlets.

4. Balance transfer at reasonable rate.

6. SBI card online to know the status of account.

VISHAL MEGA MART

1. Card is available for salaried, self employed and pensioners.

1. Joining Fee- Up to Rs.5000/-

Features and Benefits:

1. Special offer at Vishal Mega Mart.

Features and Benefits:

1. Card is accepted worldwide.

2. 0% fuel surcharge on SBI-UBI card across the nation.

3. Easy utility bill payment facility from UBI card.

4. 24/7 customer helpline.

6. Monthly credit card report through E-statement.

7. Online booking for railway tickets through UBI card.

SHRIRAM CREDIT CARD:

Features and benefits:

* Personal Accident Cover*: Rs. 3, 00, 000

ICICI Megamart Credit Card

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

ICICI XBOX 360 Credit Card

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

ICICI Sarovar Hotels Credit Card

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

ICICI Bank HPCL Silver Credit Card

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

ICICI Bank HPCL Gold Credit Card

 0% fuel surcharge at HPCL outlets.

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

ICICI PRU Life Credit Card

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Ca sh A dvanc e F ee I ss ue r

ICICI BPL Mobile Credit Card

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

ICICI Bank Big Bazaar Silver Credit Card

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

ICICI Bank Big Bazaar Gold Credit Card

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

ICICI Bank Trinethra Credit Card

Join ing Fe e Re ne wa l F ee Re gula r In te re st Ra te Cas h Advan ce Fe e Is su er

ICICI Bank Orchid An Ecotel Credit Card