Co-branded credit cards: Make sure your annual spend justifies the fee
Last Update Date: 06-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar suggested spending only on planned needs within budget, paying the full bill by the due date, keeping credit use below 30% of the limit and avoiding purchases made just for rewards.
More of Abhishek's views on debt and loans
Co-branded credit cards offer richer rewards for loyal users of particular brands, but come with fees and conditions. The article covers choosing a card that matches spending habits, weighing annual fees against benefits, tracking point expiry and redemption limits, and what happens when a partnership ends.
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Co-branded credit cards: Make sure your annual spend justifies the fee