co branding credit cards

ContentsINTRODUCTION...........................................................................................................................................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:o

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

offering Passport programme. The programme offers various reward and privileges to Hero

Honda buyers.

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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.

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.

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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.

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.

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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.

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.

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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.

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.

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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.

Joining Fee Renewal Fee Regular Interest Rate Cash Advance Fee Issuer

Free Free 3.15% pm 3.15% pm VISA

Bank 0% Fuel Surcharge Special Feature Co-Brand

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

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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. 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.




ICICI Bank No Pay Insurance Premiums Prudential Life

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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 Balance transfer option




ICICI Bank No BPL Rewards BPL Mobile

ICICI BPL AMWAY Credit Card

Earn 2 reward points for Rs.100 spent on Amway products. Balance transfer option.




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. Balance transfer option.




ICICI Bank No Big Bazaar Rewards Big Bazaar

ICICI Bank Big Bazaar Gold Credit Card

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0% Interest EMI offers at Big Bazaar. Free gift voucher for Rs.250. Earn 6 reward points for every Rs.100 spent at Big Bazaar. Balance transfer option.




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 Trinethra.

Complimentary gift on purchase of Rs.800. Free gift voucher for Rs.200. 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

23




Opportunity to play Mohun Bagan XI* Opportunity to go to one English Premiership League

Match*




ICICI Bank No Mohun Bagan Rewards Mohun Bagan

ICICI Bank Ebony Credit Card

Earn 6 reward points for every Rs.100 spent at Ebony. 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

24




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. 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


Free Free 3.15% pm 2.5% pm (min Rs.250) MasterCard


ICICI Bank Yes (All outlets) Travel discounts Thomas Cook

ICICI Bank Ascent American Express Credit Card

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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

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

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http://www.india-creditcards.com/credit_card_application_sbi.php


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 Offers from Dominos Pizza O% fuel surcharge at IOC / IBP outlets Discounts at Radisson hotels 20% dining discounts




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




SBI (State Bank of India) Yes (IOC/IBP) Discounts on Train tickets Indian Railways

SBI Vishal Mega Mart Credit Card

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Discount voucher of Rs.250 Earn up to 8 reward points for every Rs.100 spent at Vishal

Mega Mart Balance transfer option 0% fuel transaction fee at IOC/IBP outlets




SBI (State Bank of India) Yes (IOC/IBP) Vishal Mega Mart Offers Vishal Mega Mart

SBI Social Credit Card

Contributes to NGOs every time you spend NGOs include CCPA, NAB, SOS and WWF Personal concierge service Balance transfer option 0% fuel transaction fee at IOC/IBP outlets




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 Balance transfer option 0% fuel transaction fee at IOC/IBP outlets




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

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Balance transfer option 0% fuel transaction fee at IOC/IBP outlets





SBI UBI (United Bank of India) International Credit Card

Travel Insurance Personal concierge service 0% fuel transaction fee at IOC/IBP outlets





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

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http://www.india-creditcards.com/credit_card_application_axis.php

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!


Free Free 3.19% (38.28% PA) 2.5% pm (min Rs.250) MasterCard


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 Earn Double JPMiles for spends on Jet Airways tickets

booked through www.jetairways.com 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



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http://www.india-creditcards.com/credit_card_application_citi.php



Jet Airways CitiBusiness Credit Card

Working Capital Financing 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


Free Free 3.19% (38.28% PA) 2.5% pm (min Rs.250) VISA



Jet Airways Citibank Silver Credit Card

No Annual Fee (Lifetime Free) Earn 2 JPMiles for every Rs 100 spent on your credit card 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

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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

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.




Citibank Yes (Indian Oil Outlets) Earn Auto/Fuel Points Maruti / Indian Oil

Reliance Gold Credit Card

32




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

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

33




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

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.

34




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

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

35




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.


Rs.3,000 Rs.2,000 2.95% pm 2.5% pm (min Rs.250) VISA


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.


Rs.7,500 Rs.4,500 3.5% pm 2.5% (min Rs.300) VISA


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.


Rs.999 Free 2.95% pm 2.5% (min Rs.250) VISA


Deutsche Bank Yes (All outlets) Landmark Rewards Landmark

Deutsche Bank Landmark Platinum Credit Card

Choose your own credit card design.

36

http://www.india-creditcards.com/credit_card_application_deutsche.php



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

ABN AMRO

ABN AMRO Barista Credit Card

Free Barista gift vouchers. 0% fuel surcharge at all outlets. Balance transfer options.


Rs.199 Rs.299 3.5% pm 2.5% pm (min Rs.300) MasterCard


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

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http://www.india-creditcards.com/credit_card_application_abn.php


Earn extra GO miles when you purchase tickets on MakeMyTrip.com

Exclusive rewards and offers from MakeMytrip.com Easy EMI options Free for Life


Free Free 3.5% pm 2.5% (min Rs300) MasterCard


ABN Amro Yes (All outlets) MakeMyTrip Rewards MakeMyTrip.com

Rewards Points

Bank Type of Salaried Self- Employed

38


NameCredit Card

American Express

HPCL Credit Card

Transaction fee waiver, Reward points for spends above a certain limit. Can be redeemed for fuel.

Transaction fee waiver, Reward points for spends above a certain limit. Can be redeemed for fuel.

Axis Bank

Gold Credit Card

Get 1 reward points on spent of Rs.100


BarclaysSmart Budget Credit Card

Earn 1 Barclaycard Point for every Rs.100 spent on your Barclaycard Smart Budget.

Earn 1 Barclaycard Point for every Rs.100 spent on your Barclaycard Smart Budget.

Barclays Gold CardEarn 2 Barclaycard Points for every Rs.100 spent on your Barclaycard Gold

Earn 2 Barclaycard Points for every Rs.100 spent on your Barclaycard Gold

Barclays

Yatra Barclays Platinum Card

Earn 2 Barclaycard Points for every Rs.100 spent on your Yatra Barclays Platinum Card

Earn 2 Barclaycard Points for every Rs.100 spent on your Yatra Barclays Platinum Card

BarclaysPremier League Credit Card

Earn 2 Barclaycard Points for every Rs.100 spent on your Barclays Premier League card.

Earn 2 Barclaycard Points for every Rs.100 spent on your Barclays Premier League card.

Barclays

Times Card from Barclays and Times of Money

Every time you swipe your card, you will earn reward points and can redeem them for gift voucher

Every time you swipe your card, you will earn reward points and can redeem them for gift voucher

Citibank

Jet Airways Gold Credit Card

2 JPMiles for every Rs 100 spent using this card. Mileage can be redeemed for free travel. 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.

2 JPMiles for every Rs 100 spent using this card. Mileage can be redeemed for free travel. 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

Jet Airways Platinum Credit Card

4 JPMiles for every Rs 100 spent using this card. Mileage can be redeemed for free travel. Earn double JPMiles for spends on jet airways tickets booked through www.jetairways.com. Get 3000 JPMiles on booking and 4000 JPMiles every year on renewal of your credit card

4 JPMiles for every Rs 100 spent using this card. Mileage can be redeemed for free travel. Earn double JPMiles for spends on jet airways tickets booked through www.jetairways.com. Get 3000 JPMiles on booking and 4000 JPMiles every year on renewal of your credit card

Citibank Shoppers Stop Silver

4 points for every Rs 100 spent at any Shoppers' Stop outlets

4 points for every Rs 100 spent at any Shoppers' Stop outlets

39

Credit Card

HDFCSilver Credit Card

On spent of Rs.200 get you will get one reward point


HDFCGold Credit Card



HDFCTitanium Credit Card

Earn 2 reward points for Rs150 on your domestic spends and 5 reward points for every Rs150 on your international spends.

Earn 2 reward points for Rs150 on your domestic spends and 5 reward points for every Rs150 on your international spends.

HDFCPlatinum Credit Card

On spent of Rs.150 get you will get 2 reward point


HDFCVisa Signature Credit Card



HSBCPlatinum Credit Card



HSBCGold Credit Card



HSBCClassic Credit Card



ICICI Bank

Big Bazaar Credit Card

One-time gift voucher worth Rs 250 to be redeemed at Big Bazaar outlets, 4 points for every Rs100 spent at Big Bazaar and 1 point at other stores

One-time gift voucher worth Rs 250 to be redeemed at Big Bazaar outlets, 4 points for every Rs100 spent at Big Bazaar and 1 point at other stores

ICICI Bank

Titanium Credit Card

Earn 2 reward points on every spent of Rs.200, 0% fuel surcharge across all the petrol pumps

Earn 2 reward points on every spent of Rs.200, 0% fuel surcharge across all the petrol pumps

ICICI Bank

Platinum Credit Card

Earn 1reward point on the spent of Rs.100 on retail shopping, 0% fuel surcharge across all the petrol pumps.

Earn 1reward point on the spent of Rs.100 on retail shopping, 0% fuel surcharge across all the petrol pumps.

ICICI Bank

Signature Credit Card

Earn 5 points on every international spend of Rs.100, 4 points on every travel-related spend of Rs.100, 2 points on every hotel and dining related spend of Rs.100 and 1 point on every Rs100 on all other transactions.

Earn 5 points on every international spend of Rs.100, 4 points on every travel-related spend of Rs.100, 2 points on every hotel and dining related spend of Rs.100 and 1 point on every Rs100 on all other transactions.

Kotak Bank

Trump Gold Card

10% cash back on movies & plays and on food & drinks

10% cash back on movies & plays and on food & drinks

Kotak Bank

League Platinum Card



40

Kotak Bank

Royale Signature Card



SBIGold Credit Card

Earn one reward point on spent of Rs.75


SBISliver Credit Card

- -

SBIPlatinum Credit Card



Other BenefitsBank Name

Type of Credit Card

Salaried Self- Employed

American Express

HPCL Credit Card

Discounts at Planet M and Fabmall stores, 1% waiver on the prevailing interest rate for American Express personal loan .

Discounts at Planet M and Fabmall stores, 1% waiver on the prevailing interest rate for American Express personal loans.

American Express

Indian Airlines Credit Card

2 free return tickets on economy class on IA network on buying tickets worth Rs 75,000 charged through the card, Accident insurance cover of up to Rs 50 lakh.

2 free return tickets on economy class on IA network on buying tickets worth Rs 75,000 charged through the card, Accident insurance cover of up to Rs 50 lakh.

Axis Bank Gold Credit Card

EMI feature on Axis Bank Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs

EMI feature on Axis Bank Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs

BarclaysSmart Budget Credit Card

Free domestic ATM cash withdrawals, 0% interest on balance transfers for 3 months

Free domestic ATM cash withdrawals, 0% interest on balance transfers for 3 months

Barclays Gold CardChoose your Billing card statement according to your convenience

Choose your Billing card statement according to your convenience

BarclaysYatra Barclays Platinum Card

Flexible minimum monthly payment upto 5%

Flexible minimum monthly payment upto 5%

BarclaysPremier League Credit Card

Choose your Billing card statement according to your convenience. With this you will get an entry into draws to win Barclays Premier League tickets and merchandise

Choose your Billing card statement according to your convenience. With this you will get an entry into draws to win Barclays Premier League tickets and merchandise

Barclays Times Card from Interest free period upto 50days Interest free period upto 50days

41

Barclays and TimesofMoney

CitibankIndian Oil Credit Card

Insurance cover of Rs 5, 00,000 on air accidents, Purchase protection covers of Rs 15,000.

Insurance cover of Rs 5, 00,000 on air accidents, Purchase protection covers of Rs 15,000.

CitibankJet Airways Gold Credit Card

Get complimentary upgrade voucher* to première on every 10000 JPMiles with the Jet Airways Citibank Gold Credit Card.

Get complimentary upgrade voucher* to première on every 10000 JPMiles with the Jet Airways Citibank Gold Credit Card.

CitibankJet Airways Platinum Credit Card

Get 50% family discount vouchers* on booking and on renewal every year. Discount Vouchers valid on both domestic and international sectors.

Get 50% family discount vouchers* on booking and on renewal every year. Discount Vouchers valid on both domestic And international sectors.

CitibankShoppers Stop Silver Credit Card

Personal accident insurance of Rs 5 lakh (air) and Rs 1 lakh (non-air), Purchase protection of Rs 15,000, Baggage protection of Rs 10,000.

Personal accident insurance of Rs 5 lakh (air) and Rs 1 lakh (non-air), Purchase protection of Rs 15,000, Baggage protection of Rs 10,000.

HDFC Silver Credit Card

Get up to 3 add-on cards for your spouse, parents, siblings (own brother/sister), son and/or daughter (over 18 years).

Get up to 3 add-on cards for your spouse, parents, siblings (own brother/sister), son and/or daughter (over 18 years).

HDFC Gold Credit CardEnjoy a free interest period of 50 days from the date of purchase.

Enjoy a free interest period of 50 days from the date of purchase.

HDFCTitanium Credit Card

Zero liability on any fraudulent transactions on your card.


HDFCPlatinum Credit Card



HDFCVisa Signature Credit Card



HSBCPlatinum Credit Card

Low rate of interest of 2.75% per month

Low rate of interest of 2.75% per month

HSBC Gold Credit CardYou can take 3 add on credit card

You can take 3 add on credit card

HSBCClassic Credit Card



ICICI Bank

HPCL Credit Card

Insurance benefits, Discounts on air-travel.

Insurance benefits, Discounts on air-travel.

ICICI Bank

Big Bazaar Credit Card

Tele-ordering and free home delivery, Personal accident

Tele-ordering and free home delivery, Personal accident

42

insurance of Rs 10 lakh (air) and Rs 1 lakh (non-air), Baggage insurance of Rs 10,000, Purchase protection of Rs 25,000.

insurance of Rs 10 lakh (air) and Rs 1 lakh (non-air), Baggage insurance of Rs 10,000, Purchase protection of Rs 25,000.

ICICI Bank

Titanium Credit Card

10% discount at Flemingo Duty-free shops at International airports across India

10% discount at Flemingo Duty-free shops at International airports across India

ICICI Bank

Platinum Credit Card

Air-accident insurance of up to Rs. 40 lac

Air-accident insurance of up to Rs. 40 lac

ICICI Bank

Signature Credit Card

Air-accident insurance of Rs. 3 crore

Air-accident insurance of Rs. 3 crore

Kotak Bank

Trump Gold Card No interest, No fee for 3 monthsNo interest, No fee for 3 months

Kotak Bank

League Platinum Card

10% savings on spends at Taj Restaurants and Bars

10% savings on spends at Taj Restaurants and Bars

Kotak Bank

Royale Signature Card

Lost or Stolen Card fraudulent charges cover of Rs. 50,000/-, upto 12 hours pre-reporting

Lost or Stolen Card fraudulent charges cover of Rs. 50,000/-, upto 12 hours pre-reporting

SBI Gold Credit CardNo surcharge on fuel purchase of Rs.400 and upto 3,000

No surcharge on fuel purchase of Rs.400 and upto 3,000

SBI Silver Credit CardNo surcharge on fuel purchase of Rs.400 and upto 3,000


SBIPlatinum Credit Card



A case study:

43

Conclusion:

44

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.

References:

45

co branding credit cards

Documents