15 Highest-Paying Credit Card Affiliate Programs in India (2025): Earn Up to ₹3,500/Sale
With India’s credit card market exploding at a 22% CAGR, affiliate marketers are capitalizing on banks’ aggressive campaigns to acquire premium users. After analyzing 50+ programs, we’ve ranked the top 15 credit card affiliate programs for 2025 based on commissions, approval rates, and audience demand. Let’s dive in!
Why 2025 is the Golden Year for Credit Card Affiliates
- UPI-Credit Card Fusion: RBI’s push for UPI-linked credit cards (e.g., Kiwi, Tata Neu) drives 300% YoY growth in first-time users.
- Hyper-Targeted Rewards: Cards now cater to micro-niches—e.g., Zomato Edition for foodies, Scapia for wanderlust travelers.
- AI-Driven Approvals: Banks like AU Small Finance use AI to boost approval rates to 85%, increasing affiliate conversions.
- Sustainability Push: Eco-conscious cards (e.g., SBI Green) attract millennials, with 40% higher engagement.
15 Highest-Paying Credit Card Affiliate Programs in India
1. Axis Bank Magnus Elite Affiliate Program
- Commission: ₹3,500 per approval
- Key Features:
- Targets luxury travelers with unlimited airport lounge access.
- 25,000 bonus miles on activation.
- Approval Time: 48 hours (AI-driven FastTrack underwriting).
- Best For: Travel influencers, LinkedIn professionals.
- Join Here
2. HDFC Swiggy MoneyBack+
- Commission: ₹2,800 + ₹200 bonus on first Swiggy order.
- Key Features:
- 10% cashback on Swiggy, Blinkit, and Zomato.
- Instant virtual card for foodies.
- Approval Time: 72 hours.
- Best For: Food bloggers, Instagram reel creators.
- Join Here
Also Read: zero credit score loan in india
3. IndusInd Bank EazyDiner Premium
- Commission: ₹2,500 + 5% of annual spends.
- Key Features:
- 1+1 dining deals at 5,000+ premium restaurants.
- Free Gourmet Passport membership.
- Approval Time: 24 hours.
- Best For: Fine-dining reviewers, YouTube chefs.
- Join Here
4. SBI SimplyCLICK
- Commission: ₹2,400 flat.
- Key Features:
- 10X rewards on Amazon/Flipkart.
- Zero forex markup for international shoppers.
- Approval Time: 5 days.
- Best For: E-commerce deal channels, WhatsApp groups.
- Join Here
Also Read: NRI Fixed Deposit
5. AU Lit Xcite
- Commission: ₹2,100 + ₹100/week for active spends (max ₹2,500).
- Key Features:
- 7.5% fuel surcharge waiver.
- 5% cashback on BigBasket and Zepto.
- Approval Rate: 92% for salaried users.
- Best For: Tier 2/3 city audiences, Facebook communities.
- Join Here
6. ICICI Amazon Pay
- Commission: ₹2,200 flat.
- Key Features:
- 5% cashback on Amazon Prime.
- Instant discounts on Amazon Fresh.
- Approval Time: 60 hours.
- Best For: Amazon sellers, deal hunters.
- Join Here
7. Federal Bank Scapia Travel
- Commission: ₹1,800 flat.
- Key Features:
- Zero forex markup fees.
- Free Club Vistara membership.
- Approval Time: 36 hours.
- Best For: Travel vloggers, backpacker communities.
- Join Here
8. RBL Shoprite
- Commission: ₹1,750 flat.
- Key Features:
- 10% off on Myntra, Ajio, and Tata CLiQ.
- 5X rewards on grocery spends.
- Approval Time: 7 days.
- Best For: Fashion influencers, college students.
- Join Here
Also Read: how to get business loan
9. Yes Bank Pop+
- Commission: ₹1,700 flat.
- Key Features:
- 5% cashback on movie tickets (BookMyShow, Paytm).
- Free OTT subscriptions (Netflix, Prime Video).
- Approval Time: 48 hours.
- Best For: Entertainment bloggers, Gen Z TikTokers.
- Join Here
10. Kotak League Platinum
- Commission: ₹1,600 flat.
- Key Features:
- 8% cashback on IPL ticket bookings.
- Free Dream11 premium membership.
- Approval Time: 72 hours.
- Best For: Sports enthusiasts, fantasy gaming groups.
- Join Here
11. IDFC First WOW
- Commission: ₹1,500 flat.
- Key Features:
- Secured card (FD-backed) with 100% approval rate.
- 2.5% fuel surcharge waiver.
- Approval Time: Instant FD linking.
- Best For: First-time users, credit builders.
- Join Here
Also Read: best investment options for senior citizen
12. Kiwi UPI Credit Card
- Commission: ₹1,500 flat.
- Key Features:
- India’s first UPI-linked credit card.
- Zero paperwork, 100% digital onboarding.
- Approval Time: 15 minutes.
- Best For: Tech-savvy millennials, fintech communities.
- Join Here
13. Standard Chartered DigiSmart
- Commission: ₹1,400 flat.
- Key Features:
- 10% off on Flipkart Big Billion Days.
- 5X rewards on utility bill payments.
- Approval Time: 5 days.
- Best For: Budget-focused families, LinkedIn professionals.
- Join Here
14. Bank of Baroda Prime
- Commission: ₹1,300 flat.
- Key Features:
- 1% cashback on all spends.
- LIC insurance cover up to ₹10 lakh.
- Approval Time: 7 days.
- Best For: Government employees, rural audiences.
- Join Here
15. Citibank Cashback
- Commission: ₹1,200 flat.
- Key Features:
- Flat 1.5% cashback on all transactions.
- No minimum spend requirements.
- Approval Time: 10 days.
- Best For: Urban freelancers, gig economy workers.
- Join Here
Comparison Table: Top 15 Credit Card Affiliate Programs (2025)
| Rank | Bank | Commission | Approval Time | Key Feature | Best Audience |
|---|---|---|---|---|---|
| 1 | Axis Bank | ₹3,500 | 48h | Luxury travel rewards | Travel influencers |
| 2 | HDFC Bank | ₹2,800 + ₹200 | 72h | Food delivery cashback | Food bloggers |
| 3 | IndusInd Bank | ₹2,500 + 5% | 24h | Fine dining deals | Restaurant reviewers |
| 4 | SBI | ₹2,400 | 5 days | E-commerce rewards | Deal hunters |
| 5 | AU Bank | ₹2,100 + ₹100/w | 48h | Fuel & grocery cashback | Tier 2/3 cities |
| 6 | ICICI Bank | ₹2,200 | 60h | Amazon Prime perks | Online shoppers |
| 7 | Federal Bank | ₹1,800 | 36h | Zero forex markup | International travelers |
| 8 | RBL Bank | ₹1,750 | 7 days | Fashion discounts | College students |
| 9 | Yes Bank | ₹1,700 | 48h | OTT & movie cashback | Gen Z audiences |
| 10 | Kotak Bank | ₹1,600 | 72h | IPL & gaming rewards | Sports fans |
| 11 | IDFC First Bank | ₹1,500 | Instant | Secured card (FD-backed) | Credit builders |
| 12 | Kiwi | ₹1,500 | 15 mins | UPI integration | Tech enthusiasts |
| 13 | Standard Chartered | ₹1,400 | 5 days | Flipkart discounts | Budget families |
| 14 | Bank of Baroda | ₹1,300 | 7 days | LIC insurance cover | Government employees |
| 15 | Citibank | ₹1,200 | 10 days | Flat 1.5% cashback | Freelancers |
Pro Tip: Double Commissions with Combo Strategies
Promote premium + budget cards together (e.g., Axis Magnus + AU Lit). Users often apply for multiple cards, and banks like HDFC allow stacking referrals.
FAQs
❓ Which bank has the fastest approval process?
Kiwi (15 minutes) and IndusInd Bank (24 hours).
❓ Can I promote these on YouTube?
Yes! Banks like Axis and HDFC offer branded assets (logos, templates) for creators.
❓ Are these programs open to international promoters?
Only ICICI, HDFC, and Citibank accept non-Indian affiliates.
Final Word
With ₹3,500 commissions and AI-driven approval systems, 2025 is the year to dominate credit card affiliate marketing. Focus on 3–4 programs aligned with your audience, use video testimonials, and track results weekly. Ready to scale? Pick your programs and start today!
Also Read: best creditcard for fuel expenses
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