Co-Branded Credit Cards: Use Them Right for Big Savings

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Co-Branded Credit Cards Use Them Right for Big Savings

What do SingPost, Robinsons, and Safra have in common?

Answer: They all have partnerships with a bank to offer a co-branded card.

Co-branded credit cards, as the name suggests, are the end result of a mutual partnership between a particular merchant and a credit card issuer. Many banks in Singapore including American Express, Citibank and OCBC offer co-branded credit cards to their customers.

These credit cards bear the merchant’s name and provide merchant-specific benefits to consumers who are loyal to that brand. As a result, not only do you gain rewards and discounts from the brands you are most loyal to, but your favourite merchant also gets a bigger customer database.

If you’ve never considered owning a co-branded credit card, read on to find out more.

A win-win situation

Your merchant will see your co-branded credit card as a sign of customer loyalty which will encourage them to offer you an enhanced shopping experience. You will reap the benefits of their eagerness to retain you as their customer because you will always get something on the side aside from a great shopping experience. The added advantage is that a co-branded card is NOT a loyalty card, meaning, it will function as any other credit card and be used everywhere apart from your favourite outlet.

You get treated like a star

Sure, the discounts you get at your favourite retailer is great! But wait, some co-branded cards even offer special perks to the cardholder. This might be free shipping, booking fee waivers, early access to new stock and sales, or even special previews. A personal favourite is the OCBC Robinsons Group Credit Card, which allows the cardholder to attend members-only sales every few months.

Higher spending because we simply cannot resist a good offer

Everything in life comes with a clause. For every boon, there is a bane and the same applies for a co-branded credit card. Owing a co-branded credit card works in your favour by getting you special discounts and privileges but it also acts as a bane when you cannot stop spending.

According to certain statistics, people with co-branded credit cards tend to spend a little more owing to the rewards and the offers they get with the card. Having a co-branded credit card from your favourite store and no control over your spending is very similar to being a greedy kid with a free pass at a candy store!

They come with limits!

As much as we love co-branded credit cards, they come with their own set of limits. Since the credit card is a partnership with a particular brand, you’d expect that you won’t be able to enjoy the same level of benefits at a competitor brand.

For instance, the OCBC Robinsons Group Credit Card, one of the more popular co-branded credit cards available in Singapore, offers a rebate of 5% at 18 retail brands and exclusive discounts at Robinsons. While this is an amazing offer, the benefits in other categories and other department stores are negligible. In comparison, a card like the DBS Black Card will give you 5% on shopping, regardless of brand or retailer.

Use Them Right for Big Savings

Co-branded credit cards are definitely a blessing if you know how to use them the right way. Use the DBS Takashimaya Card or the OCBC Robinsons Group Card for discounts when you shop at these department stores. Or get an American Express Krisflyer Ascend Card if you book flights on Singapore Airlines often. It’ll definitely help you to save a great deal!

Some of the co-branded credit cards you can go for are:

If you think your needs are a bit different, you check out these other credit cards at


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