11 Best Credit Card Affiliate Programs in India for 2025

India’s credit card market is growing fast!.

The number of credit cards in use is expected to go up from 43.5 million in 2024 to 45.81 million by 2029, which is a 5.29% increase. For the past 15 years, credit card usage has been rising steadily, showing that more and more people from different income levels are starting to use them.

For affiliate marketers, this is a great chance to earn big. Credit card affiliate programs are one of the highest-paying niches, and with so many people applying for cards, it’s the perfect time to start promoting them and making money online.

What Is a Credit Card Affiliate Program?

A credit card affiliate program is a simple way to earn money online by recommending credit cards. When someone applies for a credit card using your special affiliate link and gets approved, you earn a commission.

These programs are usually run by banks or financial platforms and are made to help promote their credit cards to more people.

Why Promote Credit Card Affiliate Programs?

1. High Commissions

For each accepted application and sale, credit card affiliate networks have the potential to pay you a respectable commission. You may easily earn huge commissions with these programs if you use the appropriate techniques and make the necessary effort.

2. Variety of Products

Numerous credit cards are available through credit card affiliate programs from well-known banks and financial organizations. This implies that you can market a range of goods and services to potential clients.

3. Free to Join

Affiliate programs for credit cards are often free to join and simple to set up. Simply register for an account and begin marketing the products.

4. Targeted Audience

Credit card, banking & financial organizations are specialized industries which means affiliate marketers can market to particular demographics and raise their chances of making more transactions.

List of Top 11 Credit Card Affiliate Programs with High Commissions

1. IndusInd Bank

Promote top IndusInd Bank credit cards like the Tiger, Platinum, Platinum Aura Edge, and Legend Credit Card, and earn up to ₹1,600 for every card activated through their affiliate program.

These cards are a great pick for salaried professionals and regular shoppers. Why? Because they offer lifestyle benefits, come with zero joining fee options, and have high approval chances, which makes them easy to get and rewarding to use.

The IndusInd Bank Credit Card Affiliate Program can provide affiliate marketers with up to ₹1,600 for every successful conversion.

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2. Axis Bank

With the Axis Bank Credit Card Affiliate Program, you can make up to ₹2,975 for every card someone applies for and gets activated through your link. Axis Bank has a wide range of cards; whether someone loves shopping, travelling, saving on fuel, or paying bills, there’s a card for everyone. The Axis Bank Credit Card Affiliate Program can pay you up to ₹2,975 for every successful disbursal.

Here’s what you can earn for each card:

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3. IDFC First Bank

Join the IDFC FIRST Bank Credit Card Affiliate Program and make up to ₹1,750 for every card activation through your referral link. IDFC offers a range of credit cards like SWYP, WOW, Ashwa, Power Plus, and more, perfect for different people, whether they’re students, working professionals, or frequent spenders.

Affiliate marketers can join the IDFC Credit Card Affiliate Program to earn up to ₹1,750 commission on every successful approval.

Here’s how much you can earn for each card:

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4. State Bank of India (SBI)

Start promoting SBI Credit Cards and earn a flat ₹2,240 for every successful card activation through your affiliate link.

SBI cards are super popular because they offer something for everyone, whether it’s cashback, shopping rewards, fuel savings, or premium perks. Cards like Cashback, SimplyCLICK, and Elite are trusted by people all over India.

You can join the SBI Affiliate Program and earn a flat ₹2,240 Commission on every successful disbursal.

Here’s how much you can earn for each card:

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5. ICICI Bank

With the ICICI Bank Credit Card Affiliate Program, you can earn up to ₹2,400 every time someone gets approved and gets their card activated through your link.

ICICI Bank is one of the most trusted private banks in India, and its credit cards are accepted almost everywhere. Whether it’s for shopping, travel, or lifestyle rewards, ICICI has cards that people actually want to use.

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6. RBL Bank

Join the RBL Bank Credit Card Affiliate Program and earn up to ₹1,280 for every approved application through your link.

RBL offers some really useful cards like the ShopRite, Indian Oil, XTRA, and IRCTC cards. These come with great benefits like shopping rewards, fuel savings, and travel perks, perfect for people who spend regularly and want to save more.

These cards are ideal for budget-conscious users and daily spenders, so they’re easy to promote on blogs, YouTube videos, or even Telegram deal channels.

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7. AU Small Finance Bank

With the AU Small Finance Bank Credit Card Affiliate Program, you can earn up to ₹1,540 every time someone applies and gets approved and activate their card through your link.

AU Bank offers user-friendly credit cards like LIT, Altura, and Altura Plus that come with great features like cashback, spending flexibility, and lifestyle rewards.

For students or beginners, the AU NOMO Credit Card is a simple entry-level option, and you earn a flat ₹350 commission for every approved application.

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8. Yes Bank

The YES Bank Pop-Club Credit Card is a great pick and you’ll earn a flat ₹1,540 for every approved application through your link.

This card is perfect for young working professionals and regular online shoppers. It comes with cool perks like cashback, lifestyle rewards, and entertainment benefits, making it super attractive to a wide audience.

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9. Federal Bank

The Federal Bank Scapia Credit Card is a hit with young travellers and digital-first users and you can earn a flat ₹770 every time someone signs up and gets approved through your link.

What makes this card popular? It offers travel rewards, zero forex markup, and is super easy to manage through its mobile app. Perfect for anyone who loves smart spending and seamless control.

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10. Kiwi

The Kiwi UPI Credit Card is India’s first credit card that works with UPI apps like PhonePe, Google Pay, and Paytm and you can earn a flat ₹1,500 for every approved signup through your link.

It’s super easy to use with no paperwork, 100% digital sign-up, and perfect for tech-savvy users or first-time credit card holders.

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11. HDFC Bank

Start promoting HDFC Bank Credit Cards and earn a flat ₹1,500 for every approved card activated through your link.

HDFC is one of India’s most trusted private banks and offers credit cards for all kinds of spending whether it’s travel, food delivery, online shopping, or daily payments. These cards are popular and easy to get, which means more chances for you to earn.

Here’s how much you can earn for each card:

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Tips to Succeed in Credit Card Affiliate Marketing

1. Promote the Right Cards to the Right People

Share credit cards that match your audience’s needs.

• Travel cards for people who fly a lot
• Fuel cards for daily drivers
• Lifetime-free cards for students

Also, focus on popular cards from trusted banks like SBI, HDFC, or Axis, these get more clicks and approvals.

2. Create Comparison & Review Content

People love to compare before they choose.

• Write blog posts like “Best Credit Cards for Shopping”
• Make YouTube videos comparing card benefits, fees, and rewards
  Don’t forget to add buttons like “Apply Now” or “Check Eligibility” to get more clicks.

3. Use WhatsApp & Telegram Groups

Share card deals in your WhatsApp groups or Telegram channels.

Use catchy lines like:
“Zero Joining Fee – Limited Time Only!”
“Get ₹500 Cashback on Card Signup!”

4. Highlight Offers & Signup Bonuses

Talk about special offers during sales like Amazon or Flipkart Festive Deals.

Mention things people care about:

• Cashback
• Reward points
• Free gifts on signup

5. Offer Freebies to Get More Leads

Give something useful in exchange for emails.

Examples:

• “Free Credit Score Checker”
• “Top 5 Credit Cards in India – Free PDF”
• “Which Credit Card is Right for You? (Free Quiz)”

This builds trust and helps you get repeat conversions.

6. Track What’s Working & Improve It

Use tools to track which links, platforms, or posts get the most clicks and signups. Try different formats (blog vs video), placements, and call-to-action buttons to see what works best.

7. Focus on SEO for Long-Term Results

Write content using search terms people actually type, like:

• “Best fuel credit card in India”
• “Credit card for students with no fees”
• “Lifetime free credit cards”

Keep updating your content to stay relevant and rank higher on Google.

Conclusion

There might not be a lot of options for credit card affiliate programs, but even the limited deals can earn affiliate marketers great returns. Find the credit card affiliate programs that you think can work best for you and start earning massive returns today. Best of Luck!

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