25 Highest Paying Credit Card Affiliate Programs in India 2025 Guide
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25 Highest Paying Credit Card Affiliate Programs in India 2025 Guide
Credit card affiliate marketing has emerged as one of the most lucrative opportunities in India’s booming digital finance sector. With the country’s active credit card base exceeding 65 million users and growing rapidly, affiliate marketers can tap into substantial earning potential by promoting credit cards from leading banks and financial institutions.
The credit card affiliate programs listed below offer commissions ranging from ₹250 to ₹2,975 per successful card approval, making this niche one of the highest-paying segments in affiliate marketing. Here are the top 25 credit card affiliate programs that offer the most competitive payouts in India for 2025.
1. Axis Bank Credit Card Affiliate Program
Commission: Up to ₹2,975 per card activation
About the Company: Axis Bank is one of India’s leading private sector banks with a strong presence in retail, corporate, and investment banking. Founded in 1993, the bank offers innovative financial solutions with a focus on technology-driven customer service.
Program Features:
- Diverse credit card portfolio including lifestyle, travel, and cashback cards
- High conversion rates due to brand trust and wide acceptance
- Premium cards like Magnus and Atlas offer higher commissions
- Multiple card variants targeting different customer segments
Commission Details:
- Axis Magnus/Atlas Credit Card: Up to ₹2,975
- Axis MyZone/Flipkart/Airtel/Indian Oil: ₹2,380
- Axis Privilege Credit Card: Up to ₹1,275
- Tracking Time: 72 hours
- Confirmation Time: Within 75 days of card activation
Website: https://www.axisbank.com
2. Standard Chartered Credit Card Affiliate Program
Commission: Up to ₹2,520 per card disbursal
About the Company: Standard Chartered is one of the world’s leading international banks with operations in India since 1858. The bank is known for its premium banking services and strong international presence, making it particularly attractive to affluent customers.
Program Features:
- Focus on premium credit cards with exclusive benefits
- Strong brand reputation in the premium segment
- International banking expertise and global acceptance
- Targeted towards high-income professionals
Commission Details:
- Age targeting: 27-55 years
- Minimum income: ₹7 LPA and above
- Tracking: Offline reporting
- Payment time: 45-60 days
- Cookie duration: 30 days
Website: https://www.sc.com/in
3. ICICI Bank Credit Card Affiliate Program
Commission: Up to ₹2,400 per card activation
About the Company: ICICI Bank is India’s largest private sector bank by consolidated assets. Established in 1994, the bank has pioneered several innovations in banking technology and offers comprehensive financial solutions across retail, corporate, and investment banking.
Program Features:
- Extensive credit card portfolio with wide market appeal
- Strong digital banking platform and customer service
- High approval rates and customer satisfaction
- Cards accepted globally with comprehensive rewards programs
Commission Details:
- Tracking time: 72 hours
- Confirmation time: Within 75 days of card activation
- Wide range of cards from basic to premium variants
- Strong brand recognition ensuring higher conversion rates
Website: https://www.icicibank.com
4. SBI Credit Card Affiliate Program
Commission: Flat ₹2,240 per card activation
About the Company: State Bank of India is the country’s largest public sector bank with over 200 years of history. SBI has the most extensive branch network in India and is trusted by millions of customers across urban and rural areas.
Program Features:
- Uniform commission structure across all card variants
- Wide acceptance and trust among Indian consumers
- Simple approval process and competitive benefits
- Strong presence in both urban and rural markets
Commission Details:
- All SBI Credit Cards: ₹2,240 commission
- Cards include: Cashback, SimplyCLICK, SimplySAVE, Prime, BPCL, Miles, Elite
- Tracking time: 72 hours
- Confirmation time: Within 75 days of card activation
Website: https://www.sbi.co.in
5. IndusInd Bank Credit Card Affiliate Program
Commission: Up to ₹2,000 per card activation
About the Company: IndusInd Bank is a new-generation private sector bank headquartered in Pune. Established in 1994, the bank focuses on providing innovative banking solutions with a customer-centric approach and strong technology infrastructure.
Program Features:
- Competitive commission rates with growth potential
- Focus on lifestyle and premium credit cards
- Strong approval rates for qualified applicants
- Comprehensive rewards and benefits programs
Commission Details:
- Platinum Aura Edge, Legend, Platinum, RuPay Platinum: Up to ₹2,000
- Tracking time: 72 hours
- Confirmation time: Within 75 days of card activation
- Target audience: Salaried professionals and regular shoppers
Website: https://www.indusind.com
6. IDFC First Bank Credit Card Affiliate Program
Commission: Up to ₹1,750 per card activation
About the Company: IDFC First Bank is a relatively new player in the Indian banking sector, formed through the merger of IDFC Bank and Capital First. The bank focuses on digital-first banking solutions and customer-friendly policies.
Program Features:
- Zero annual fee on many cards, attracting first-time users
- Digital-first approach with quick approval processes
- Universal cashback and simple reward structures
- Strong focus on customer acquisition
Commission Details:
- IDFC Ashwa Credit Card: Up to ₹1,750
- IDFC SWYP Credit Card: Up to ₹1,400
- IDFC FIRST Power Plus Credit Card: Up to ₹1,400
- Tracking time: 72 hours
- Confirmation time: Within 75 days of card activation
Website: https://www.idfcfirstbank.com
7. AU Small Finance Bank Credit Card Affiliate Program
Commission: Up to ₹1,540 per card activation
About the Company: AU Small Finance Bank is one of India’s leading small finance banks, known for serving underbanked and unbanked populations. The bank focuses on customer-centric innovation and personalized banking services.
Program Features:
- Focus on serving underserved market segments
- Competitive benefits with lifetime free options
- Strong customer support and service quality
- Growing market presence and brand recognition
Commission Details:
- AU bank cards: Up to ₹1,540
- AU NOMO Credit Card: ₹350 (entry-level option)
- Tracking time: 72 hours
- Confirmation time: Within 75 days of card activation
Website: https://www.aubank.in
8. Yes Bank Credit Card Affiliate Program
Commission: Flat ₹1,540 per card activation
About the Company: Yes Bank is a full-service commercial bank providing a complete range of banking and financial services. Despite past challenges, the bank has restructured and continues to serve customers with innovative financial products.
Program Features:
- Focus on young working professionals and digital users
- Pop-Club Credit Card with lifestyle benefits
- Entertainment and cashback rewards
- Growing customer base among millennials
Commission Details:
- YES Bank Pop-Club Credit Card: ₹1,540
- Tracking time: 72 hours
- Confirmation time: Within 75 days of card activation
- Target audience: Young professionals and online shoppers
Website: https://www.yesbank.in
9. Bajaj Finserv Credit Card Affiliate Program
Commission: Up to ₹1,540 per successful referral
About the Company: Bajaj Finserv is a leading Indian financial services company and the flagship company of the Bajaj Group. It’s a registered NBFC that provides diverse financial products including credit cards, loans, and investment solutions.
Program Features:
- Strong presence in the Indian financial services market
- RBL Bank partnership for credit card issuance
- Focus on EMI and flexible payment solutions
- Wide merchant acceptance network
Commission Details:
- Bajaj Finserv RBL Credit Card: ₹1,540
- Wallet Care: ₹100
- Tracking time: 72 hours
- Confirmation time: 30 days
- Minimum income: ₹35,000/month
Website: https://www.bajajfinserv.in
10. Kiwi UPI Credit Card Affiliate Program
Commission: Flat ₹1,500 per approved signup
About the Company: Kiwi offers India’s first credit card that works with UPI apps like PhonePe, Google Pay, and Paytm. This innovative approach makes credit more accessible to tech-savvy users who prefer UPI payments.
Program Features:
- Revolutionary UPI-credit card integration
- 100% digital signup process with no paperwork
- Perfect for tech-savvy and first-time credit card holders
- Quick approval and instant activation
Commission Details:
- Commission: ₹1,500 per activation
- Target audience: Tech-savvy users and UPI enthusiasts
- Tracking time: 72 hours
- Confirmation time: Within 75 days
Website: https://www.kiwi.in
11. HDFC Bank Credit Card Affiliate Program
Commission: Flat ₹1,500 per card activation
About the Company: HDFC Bank is India’s largest private sector bank by assets and market capitalization. Known for its strong customer service, innovative products, and extensive branch network, HDFC Bank is one of the most trusted financial institutions in India.
Program Features:
- Wide variety of co-branded and lifestyle credit cards
- Strong brand trust and customer loyalty
- Extensive merchant network and acceptance
- Comprehensive rewards and cashback programs
Commission Details:
- All promoted cards: ₹1,500 commission
- Cards include: Pixel Play, IRCTC, Swiggy, RuPay, Marriott, Shoppers Stop
- Tracking time: 72 hours
- Confirmation time: Within 75 days of card activation
Website: https://www.hdfcbank.com
12. RBL Bank Credit Card Affiliate Program
Commission: Up to ₹1,280 per card activation
About the Company: RBL Bank (formerly Ratnakar Bank Limited) is a Indian private sector bank focused on serving niche markets and underbanked customer segments. The bank offers specialized banking solutions for urban and semi-urban markets.
Program Features:
- Specialized cards for specific use cases (shopping, fuel, travel)
- Competitive benefits and reward structures
- Focus on budget-conscious and daily spenders
- Growing acceptance network
Commission Details:
- Various RBL credit cards: Up to ₹1,280
- Cards include: ShopRite, Indian Oil, XTRA, IRCTC
- Tracking time: 72 hours
- Confirmation time: Within 75 days of card activation
Website: https://www.rblbank.com
13. Federal Bank Scapia Credit Card Affiliate Program
Commission: ₹1,191 per card dispatch
About the Company: Federal Bank is a major private sector commercial bank in India headquartered in Aluva, Kerala. The bank has a strong presence in South and West India and offers comprehensive banking services.
Program Features:
- Scapia credit card designed for young travelers
- Digital-first approach with innovative features
- Strong appeal to millennial and Gen Z customers
- Partnership with fintech companies for enhanced services
Commission Details:
- Federal Scapia Credit Card: ₹1,191
- Age targeting: 23-40 years
- Minimum income: ₹30,000/month (salaried), ₹4 LPA (self-employed)
- CIBIL score: 730+
- Tracking: Offline
Website: https://www.federalbank.co.in
14. Citibank Credit Card Affiliate Program
Commission: Up to ₹1,200 per successful referral
About the Company: Citibank is a global banking giant with operations in India since 1902. Known for premium banking services and international expertise, Citibank serves affluent customers and provides comprehensive financial solutions.
Program Features:
- Premium credit cards with exclusive benefits
- Strong international acceptance and services
- Focus on high-net-worth individuals
- Comprehensive rewards and travel benefits
Commission Details:
- Various Citibank credit cards: ₹960-₹1,200
- Target audience: Premium customers
- Strong brand recognition in metro cities
- Cookie duration: 45-60 days
Website: https://www.citibank.co.in
15. Bank of Baroda Credit Card Affiliate Program
Commission: ₹1,125 per successful card disbursal
About the Company: Bank of Baroda is one of India’s leading public sector banks with international operations. Established in 1908, it has a strong domestic and international presence serving millions of customers.
Program Features:
- BOB Financial Solutions partnership for credit cards
- Wide range of cards for different customer segments
- Strong presence in urban and semi-urban markets
- Competitive interest rates and fees
Commission Details:
- Successful credit card disbursed: ₹1,125
- CIBIL Score: 730+ for self-employed, 700+ for salaried
- Minimum income: ₹6 LPA and above
- Cookie duration: 30 days
- Payment time: 45-60 days
Website: https://www.bankofbaroda.in
16. American Express Credit Card Affiliate Program
Commission: Up to ₹1,000 per successful disbursal
About the Company: American Express is a globally recognized financial services corporation known for premium credit cards and exceptional customer service. In India, Amex focuses on affluent customers and provides exclusive benefits.
Program Features:
- Premium card portfolio with exclusive benefits
- Strong brand recognition and prestige value
- Comprehensive rewards program (Membership Rewards)
- Focus on affluent customer segments
Commission Details:
- SmartEarn: Up to ₹750
- Membership Rewards: Up to ₹1,000
- Minimum bureau score: 780+
- Limited to major metros and selected cities
- Tracking time: 72 hours, Confirmation: 30 days
Website: https://www.americanexpress.com/en-in
17. HSBC Bank Credit Card Affiliate Program
Commission: ₹800 per approved application
About the Company: HSBC is a British multinational investment bank and financial services company with significant operations in India. Known for premium banking services and international expertise.
Program Features:
- Premium banking solutions for affluent customers
- Strong international presence and acceptance
- Comprehensive banking and investment services
- Focus on high-value customer segments
Commission Details:
- HSBC Credit Cards: ₹800
- Target audience: Premium customers
- International banking benefits
- Strong presence in metro cities
Website: https://www.hsbc.co.in
18. Jupiter Money Edge RuPay Credit Card Affiliate Program
Commission: ₹606 per card activated
About the Company: Jupiter Money is a neobank providing digital banking solutions including savings accounts, mutual funds, and credit cards. The company focuses on Gen Z and millennial customers with app-based banking services.
Program Features:
- Digital-first neobank approach
- Integration with UPI and modern payment systems
- Focus on young professionals and tech-savvy users
- Comprehensive financial management tools
Commission Details:
- Jupiter Edge RuPay Credit Card: ₹606
- Target age: 27-35 years
- Annual income: ₹6 LPA+
- Credit score: 680+ (mandatory)
- Tracking: 48 hours
Website: https://jupiter.money
19. Canara Bank Credit Card Affiliate Program
Commission: ₹500 per successful application
About the Company: Canara Bank is one of the oldest and largest public sector banks in India, established in 1906. The bank has a strong presence across India with comprehensive banking services.
Program Features:
- Wide range of credit cards from basic to premium
- Zero annual and joining fees on select cards
- Strong customer base and brand trust
- Comprehensive rewards program (Canara Rewardz)
Commission Details:
- Various Canara Bank credit cards: ₹500
- Cards include: Visa Classic, Platinum, Signature, RuPay Select
- Up to 50 days interest-free credit
- Easy EMI conversion through Canara ai1 app
Website: https://www.canarabank.com
20. Slice Credit Card Affiliate Program
Commission: ₹500 per successful signup
About the Company: Slice is a fintech company focused on providing credit solutions for young Indians. The company offers pay-later services, UPI payments, and credit cards designed for Gen Z and millennials.
Program Features:
- Digital-first approach with instant approvals
- Focus on young professionals and students
- Up to 2% cashback on transactions
- Three-month interest-free payment options
Commission Details:
- Slice Credit Card: ₹500
- Age requirement: 18+ years
- Easy eligibility criteria for beginners
- Quick digital signup process
- Tracking: 24 hours, Confirmation: 15-30 days
Website: https://www.sliceit.com
21. Punjab National Bank (PNB) Credit Card Affiliate Program
Commission: ₹400 per successful application
About the Company: Punjab National Bank is the second-largest public sector bank in India with a heritage of over 125 years. PNB has an extensive network and serves millions of customers across rural and urban India.
Program Features:
- Wide variety of credit cards for different segments
- PNB Rewardz loyalty program
- Strong presence in North India
- Government employee friendly policies
Commission Details:
- Various PNB credit cards: ₹400
- Cards include: Visa Classic, Gold, Platinum, Signature, RuPay variants
- Annual fee waivers based on usage
- Reward points on transactions
Website: https://www.pnbcard.in
22. Union Bank of India Credit Card Affiliate Program
Commission: ₹350 per successful application
About the Company: Union Bank of India is a government-owned banking and financial services company with headquarters in Mumbai. The bank was formed in 2020 through the merger of Union Bank of India, Andhra Bank, and Corporation Bank.
Program Features:
- Comprehensive credit card portfolio
- Union Rewardz loyalty program
- Strong government banking relationships
- Wide branch network across India
Commission Details:
- Union Bank credit cards: ₹350
- Various card variants available
- Interest rate: 2.5% per month on unpaid balance
- Union Rewardz points on transactions
Website: https://www.unionbankofindia.co.in
23. Central Bank of India Credit Card Affiliate Program
Commission: ₹300 per successful application
About the Company: Central Bank of India is a government-owned bank headquartered in Mumbai. Established in 1911, it is one of the oldest commercial banks in India with a strong presence in both urban and rural areas.
Program Features:
- Focus on government employees and pensioners
- Competitive interest rates and fees
- Wide acceptance across India
- Simple application and approval process
Commission Details:
- Central Bank credit cards: ₹300
- Minimum income: ₹2.4 LPA
- Tracking: 48 hours
- Confirmation: 60 days
Website: https://www.centralbankofindia.co.in
24. HSBC Corporate Credit Card Affiliate Program
Commission: ₹280 per approved application
About the Company: HSBC’s corporate credit card division focuses on providing business credit solutions for small and medium enterprises. The program targets business owners and corporate professionals.
Program Features:
- Business-focused credit card solutions
- Corporate expense management tools
- International business transaction support
- Premium business banking benefits
Commission Details:
- HSBC Corporate cards: ₹280
- Target audience: Business owners and corporates
- Premium banking services
- International acceptance
Website: https://www.business.hsbc.co.in
25. Indian Overseas Bank Credit Card Affiliate Program
Commission: ₹250 per successful application
About the Company: Indian Overseas Bank is a major public sector bank with headquarters in Chennai. Established in 1937, the bank has a strong presence in South India and serves various customer segments.
Program Features:
- Focus on South Indian markets
- Government employee-friendly policies
- Competitive fees and charges
- Regional language support
Commission Details:
- IOB credit cards: ₹250
- Minimum income: ₹2.4 LPA
- Tracking: 48 hours
- Confirmation: 60 days
Website: https://www.iob.in
Key Success Tips for Credit Card Affiliate Marketing
1. Target the Right Audience
Focus on promoting cards that match your audience’s needs – travel cards for frequent flyers, fuel cards for daily commuters, and lifetime-free cards for students.
2. Create Comparison Content
Develop detailed comparison articles and videos highlighting card benefits, fees, and rewards. This helps potential applicants make informed decisions.
3. Leverage Social Media
Use WhatsApp groups and Telegram channels to share exclusive offers and limited-time promotions with catchy messaging.
4. Highlight Special Offers
Promote signup bonuses, zero joining fees, and festive season offers to increase conversion rates.
5. Build Trust Through Transparency
Always disclose affiliate relationships and provide honest reviews to build long-term trust with your audience.
The credit card affiliate marketing space in India offers tremendous opportunities for earning substantial commissions. With proper targeting, quality content creation, and strategic promotion, affiliate marketers can build a sustainable income stream while helping customers find the right financial products for their needs.