7 Best Co-Branded RuPay Credit Cards in India 2025

With UPI integration making RuPay credit cards more powerful than ever, 2025 is a great year to explore co-branded RuPay cards. These cards are best for customers who frequently shop, travel, or dine with specific partner brands.

RuPay co-branded credit cards are helping Indians save money and spend wisely by merging the advantages of credit cards with local loyalty programs. 24hrLoan covers the 7 best co-branded RuPay credit cards in India.

1. HDFC Bank Tata Neu RuPay Credit Card

• Best for: Shoppers loyal to the Tata ecosystem.
• Features:
  • Earn NeuCoins on every purchase within Tata’s ecosystem (Croma, BigBasket, Air India, Westside, IHCL Hotels).
  • An additional 5% NeuCoins on Tata brands through the Tata Neu app.
  • Complimentary fuel surcharges and restaurant discounts across partner restaurants.
• Why it stands out: Tata covers almost every spending category—groceries, travel, electronics, and apparel. This makes the card highly versatile for daily as well as lifestyle spends.

2. Axis Bank Flipkart RuPay Credit Card

• Best for: Online shopping enthusiasts.
• Features:
  • 5% cashback on Flipkart, Myntra, Cleartrip, and other partners.
  • 4% cashback on preferred merchants.
  • 1.5% unlimited cashback on all other purchases.
  • Access to airport lounges (limited visits per year).
• Why it stands out: For people who regularly shop online, especially during sales like Big Billion Days, this card ensures consistent cashback and exclusive access to extra discounts.

3. SBI Card Reliance Smart RuPay Credit Card

• Best for: Grocery and lifestyle shoppers.
• Features:
  • 5% cashback on Reliance Smart, Reliance Trends, Reliance Digital, and Reliance Fresh.
  • Discounts on utility bill payments and fuel expenses.
  • Reward points are redeemable for shopping vouchers.
• Why it stands out: Reliance is rapidly expanding into retail, digital, and lifestyle categories. This card taps into that ecosystem, making it a must-have for households that prefer Reliance brands.

4. ICICI Bank Amazon Pay RuPay Credit Card

• Best for: Amazon Prime members and frequent e-commerce shoppers.
• Features:
  • 5% cashback for Amazon Prime users; 3% for non-Prime users.
  • 2% back on bill payments, recharges, and partner merchants.
  • 1% cashback on all other purchases.
  • Accepted on UPI, enabling QR-based transactions through Amazon Pay.
• Why it stands out: Amazon dominates India’s e-commerce space. For frequent buyers, the high cashback rate on Amazon purchases makes this card a no-brainer.

5. Punjab National Bank IRCTC RuPay Credit Card

• Best for: Frequent Indian Railways travelers.
• Features:
  • 4 reward points per ₹100 spent on railway bookings via IRCTC.
  • 1% transaction charge waiver on IRCTC bookings.
  • Complimentary lounge access at select railway stations.
  • Dining and fuel surcharge benefits.
• Why it stands out: For India’s massive train-traveling population, this card offers tangible value—reduced costs, faster bookings, and additional comfort during journeys.

Also Read: Tata Neu Personal Loan

6. YES Bank Swiggy RuPay Credit Card

• Best for: Food delivery and dining lovers.
• Features:
  • 10% cashback on Swiggy orders (food delivery, Instamart, Dineout).
  • Discounts on restaurant dining via Swiggy Dineout.
  • Complimentary subscriptions on select OTT platforms.
  • Cashback on fuel and utility bill spends.
• Why it stands out: Food delivery has become a lifestyle habit. With 10% cashback and dining deals, this card is perfect for millennials and working professionals who depend on Swiggy.

7. Bank of Baroda Tata Neu RuPay Credit Card

• Best for: Lifestyle and cross-category spending.
• Features:
  • Rewards on Tata brands, including Air India, BigBasket, Croma, and Westside.
  • Accelerated rewards on Tata Neu app purchases.
  • Complimentary airport lounge access and travel perks.
  • UPI compatibility for seamless QR transactions.
• Why it stands out: A strong alternative to HDFC’s Tata Neu card, this one brings similar ecosystem benefits with additional perks, giving users flexibility in choosing their banking partner.

Benefits of Choosing a Co-Branded RuPay Credit Card

1. UPI + Credit Power: RuPay is the only card network that allows linking credit cards to UPI. This means you can scan any QR code and pay directly using your credit limit.
2. Higher Loyalty Value: Brand-specific rewards (Flipkart coins, NeuCoins, Swiggy cashback) offer more value than generic credit card points.
3. Domestic Acceptance: RuPay is an indigenous payment network, widely accepted across India, including smaller merchants.
4. Exclusive Lifestyle Perks: From airport lounges to OTT subscriptions, these cards extend lifestyle privileges beyond regular cashback.

Also Read: Best Credit Card for Women in India

Conclusion

Co-branded RuPay credit cards in 2025 are more than just payment tools—they’re lifestyle enablers. With UPI integration, higher rewards for brand loyalty, and broad acceptance, they are ideal for consumers who want maximum value out of everyday spending.

If you shop frequently on Flipkart or Amazon, rely on Tata or Reliance brands, travel by train, or order food regularly, there’s a co-branded RuPay credit card designed specifically for you.