Co-branded cards are built around a partner brand—travel, ecommerce or dining—and they pay you most when you spend inside that ecosystem. That means bigger cashback on select sites, extra promo codes during sale days, and sweeteners like airport lounge visits. If your shopping already leans toward a platform, the benefits stack up quickly.

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If you book flights and hotels, a Standard Chartered card tied to EaseMyTrip can give upfront discounts on tickets and stays, plus a couple of lounge visits. If you live on Amazon, the Amazon Pay ICICI card keeps it simple with higher cashback for Prime members and a steady rate elsewhere with partner merchants. Food-first households may prefer the Swiggy HDFC Bank card for strong returns across Swiggy, Instamart, Genie and even Dineout

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