Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 64 Business Credit Cards in India

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  • Business Credit Cards Reviews

    • SBI Cards Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and I am satisfied with the deals I get on my card. There are no charges and the offers that I get online is really good. There are cash back offers and the rewards are also satisfactory. The credit limit is also up to the mark.
      Was this review helpful? 0
      , guntur
      Reviewed on Jul 25, 2017
    • Bank Bazaar Customer Support
      "Good"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar is good ,it helps me a lot and make life easy in many ways,sometimes but their executives were much annyoing as, when they call me only bcz I searched for some product,but overall it's very helpful ,it is a full of information with proper guidance and help.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 25, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got HDFC bank platinum times card 5 years ago. The customer service and the response is very good with HDFC bank. I get the rewards points , Cash back offers by using this card. I use this card for only purchase purposes. I am not happy about the credit limit, still they can increase my credit limit in future. I am satisfied using this platinum times card.,
      Was this review helpful? 0
      , narasaraopeta
      Reviewed on Jul 25, 2017
    • Bank Bazaar Customer Support
      "Good app"
      0.5 5.0/5 "Blown Away!"
      Your application is a smart application , very much user friendly, even your communication is very good , I didn't find any app like this , , very good response from telle callers too, very good to apply for credit card, personal loan, home loan etc.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 25, 2017
    • Bank Bazaar Customer Support
      "Smart way to get credit card"
      0.5 5.0/5 "Blown Away!"
      It's gentle and easy method to apply for credit card without the intervention of human being. If the documents to be submitted had been communicated in the first page, then I would have prepared for the same. Anyways I liked it. You have to have the referral link to share for the friends.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 25, 2017
    • ICICI Bank Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I earlier held a credit card with ICICI Bank and as long as I used it, there were no issues. I received good services. The offers were always on and the statements was proper too. In all there were no issues as such on the charges as well. Overall a nice experience.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 25, 2017
    • Bank Bazaar Customer Support
      "I'm thankful to bank bazar accepted my request "
      0.5 5.0/5 "Blown Away!"
      Bankbazar is wonderful and good service quick response to customers very helpful operators I'm thankful to bank bazar accepted my request And I was able to apply for a credit card only two minutes and they provided quick response to me and I am done with the application.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 24, 2017
    • Bank Bazaar Customer Support
      "WELL TO HELP THIS BANK BAZAAR SITE"
      0.5 5.0/5 "Blown Away!"
      Simple to apply, credit card , personal loan, and etc. I got a very good response from bankbazaar .com I am very much happy to get associated with you. Thanks to you all for Making me a part of bankbazaar.com and also I wish that you will be the Best in the Nation and in the globe. Once again thanking you....
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 24, 2017
    • Bank Bazaar Customer Support
      "Good "
      0.5 5.0/5 "Blown Away!"
      Good, I have gone through all the steps which is easier to apply credit card through bankbazaar and it is very much easy to apply too. I hope I will get a call from HDFC regarding the credit card and get approval and almost, I had been trying for the last few days. Thank you bankbazaar.com for giving me a chance to apply.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is good in the credit card offers. I get a lot of good deals and the process of me getting the card was quick. The credit limit is also perfect for me and I earn a lot of points when I use the card online and offline. The charges on the card is normal too.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 24, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I am having SBI credit card from the last six to seven months of time. Response is fine one for me till now. Customer service aspects are also good one with them till now . Credit limit value is not really a good one with them. Payment modes are flexible one with the SBI credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 24, 2017
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I do have credit card with the Indusind bank and it really works in good way. Response is good one with the Indusind bank credit card and the credit limit value is an average one with them. Customer service aspects are also good one with the Indusind bank.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 24, 2017
    • ICICI Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am holding ICICI bank platinum chip card for more than 1 year. I get reward points, cash back offers, movie tickets booking with this card. The reward points are very less with this card , it would be great if they can provide more reward points while using this chip card. The rate of interest is high when compared with others. The customer service need improvement with ICICI bank. I am satisfied with the credit limit.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jul 24, 2017
    • Kotak Credit Card
      "Not happy with the services"
      0.5 2.0/5 "Expected more"
      I am not happy with the credit card of Kotak Mahindra bank. There are so many charges like late payment fee and EMI charges. It is a life time free credit card. The bank has also offered me a very low credit limit of around 15K. I would not wish to recommend them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and the bank has been doing well in the services. The offers are good and the charges are normal. The customer services are satisfactory. They send me clear statements and I have a better credit limit than the other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a credit card and the bank also keeps updating me of new offers. The limit is good and the experience is nice overall. I get intimated as soon as I make a transaction and there has never been any extra charges taken on the bills.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 24, 2017
    • ICICI Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      The services at ICICI Bank has been up to the mark. There has not been any kind of inconvenience in using the credit card. I am not used the card much though, I make my payments as and when I use the card. The limit on the card is good and it is hassle free.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      Recently I availed credit card from HDFC bank. This is the bank where I maintain my salary account. Credit limit is good and the interest rate is good. I do have reward points and cash back offers. But I never redeemed those points. Customer service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 24, 2017
    • HDFC Bank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      HDFC Bank has also offered me a credit card and they have given me a decent credit limit. There are continuous deals on the card and till date there are no issues faced. There are calls informing me about the offers I am eligible for. The charges on the card is very much nominal.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 24, 2017
    • IndusInd Bank Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I hold a credit card of Indusind Bank also the customer service offered by them was really good. Though I was given offers, I do not use it much as I use the card only when I needed it, Even the billing cycle is convenient and the card is accepted every where online and offline.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 24, 2017
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    Business Credit Cards in India is Rated as "Excellent!" by 36311 Users

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    Credit Card BYTES FROM OUR KITCHEN
    Best Business Credit Card
    Business Credit Card

    The answer to “What are Business Credit Cards?” might be misconstrued to mean corporate credit cards, but this is wrong. Though business credit cards are designed for small and medium business as well as large corporates and multinational corporations, these cards are available to just about anyone who needs a separate business account. These cards help track expenses arising out of business and keep them separate from personal accounts. It also helps monitor employees’ expenditure and at the same time gives them the benefits of a credit card. Business credit cards are very useful to sole proprietors, partnerships, companies, small business owners and corporates.

    Features and Benefits:

    • Dual benefits – With business credit cards, both the employer and employee can benefit. In the case of self-owned business cards, the cardholders and their businesses stand to benefit. Employers can get a clear picture and spend analysis every month. Employees can enjoy cashless transactions.
    • Secure Transactions – Business credit cards provide for secure transactions. There is no risk of losing cash or the burden of carrying cash around. Credit cards can take care of company expenses with just a swipe.
    • Online Convenience – The card can be managed online through the bank’s portal. This makes viewing statements, paying bills, blocking cards, raising disputes and so on much easier and convenient.
    • Credit Card Statements – Monthly credit card statements saves a lot of time and helps in tracking expenses and calculations efficiently. It also comes in handy for budgeting and future operations. Business owners can see clearly where the money is being spent without much effort.
    • Employee expense monitor – Business credit cards usually come with the option to cap the spending limit. Employers can also track the credit card expenses of their employees.
    • Rewards – Some banks offer reward points, cashback, discounts and deals on business credit cards. Employees or cardholders can earn rewards, which they can later redeem for gifts, vouchers, etc.
    • Multi-purpose expenses – Business credit cards can be used to spend money on travel, entertainment, utilities, repair and maintenance, business operations and more. Employers may also have the option to restrict the purpose of expenditure on the credit card. Cardholders may be allowed to only spend on certain categories.
    • Consolidated Payments – Not only will cardholders be able to pay for all expenses in one shot, but they can also enjoy paying for multiple cards with a single payment.

    Eligibility of Business Credit Cards:

    • Business cards are available to small businesses, limited companies, banks, government-run companies, partnerships and sole proprietorships.
    • Banks issuing the credit card require businesses to show a certain amount of profit, turnover or aggregates.
    • Companies that have satisfactory track records of operations are eligible.
    • There are also business cards available for just about anyone who requires a separate expenses account. This card can then be used for business-like expenditure which will help in tracking costs.

    Banks that offer Business Credit Cards in India:

    Some of the banks that offer Corporate or Business credit cards are listed below:

    • Citibank
    • Axis Bank
    • HDFC Bank
    • State Bank of India
    • Kotak Mahindra
    • Bank of Baroda
    • Canara Bank

    Tips:

    • Business cards can give you that much-needed revolving credit. But credit cards must be used wisely.
    • Choose the right card for you and your business. Some cards come with a host of benefits that include travel and insurance, but also carry high annual fees. If you do not require these benefits, then go in for a simpler card that doesn’t carry charges and annual fees.
    • Analyse your monthly statements and verify all transactions.
    • Use your statements to budget and cut costs.
    • Always know all the features of your credit card. Business owners can restrict employee expenditure and also impose restrictions on certain categories. Use these options wisely to ensure the best value for your money.
    • These cards generally do not have add-on card options for your family members as the company will be paying the bills.
    • SMS and email alerts are available on almost all cards to get instant notifications about transactions on the credit cards.

    Top Business Credit Cards In India:

    Given below are the top 8 business credit cards in India, along with a brief description of their salient features:

    SBI Platinum Corporate Credit Card

    The SBI Platinum Corporate card has been designed keeping in mind the Indian corporate client and his/her business needs. The card is on the VISA platform and the cardholder can track his/her organisation’s expenses via the Visa IntelliLink tool.

    Features of the SBI Platinum Corporate Credit Card:

    • Interest free credit is available for a period of 20-50 days on retail spends provided the previous month’s outstanding has been cleared.
    • Wide acceptance at over 24 million outlets across the world.
    • Daily, weekly and monthly limits can be set on the card, enabling greater management of money.

    HDFC Business MoneyBack Credit Card

    The HDFC Business MoneyBack credit card offers higher rewards on purchases made through the card as well as exclusive deals and offers. Cardholders can also enjoy 50 days of interest-free transactions on their card from the date of purchase.

    Features of the HDFC Business MoneyBack Credit Card:

    • Cardholders can earn up to 3 times the reward points on air, travel, hotel booking, dining and e-commerce spends made through the card.
    • Cardholders will also enjoy priority access to airport lounges across India.
    • Reward points earned can be redeemed as Air Miles or as cash back against the outstanding amount due (100 reward points = Rs.40 for cash back purposes).

    Axis My Business Credit Card

    The Axis Bank My Business credit card is tailor-made to suit every business need and enhance business efficiency through a variety of special features and benefits for the corporate cardholder.

    Features of the Axis My Business Credit Card:

    • Cardholders can avail 20% cashback for base fare flights on Ezeego when booking with their My Business credit card.
    • Cash withdrawals up to 30% of the credit limit can be withdrawn through VISA ATM’s across the world.
    • Receive a 2.5% surcharge refund on all fuel spends at petrol pumps across the country when paying with the My Business credit card.

    ICICI Bank Corporate Credit Card

    The ICICI Bank Corporate Card offers corporate cardholders a complete travel and entertainment program full of deals and benefits. Available in Platinum and Gold variants, the card allows for effective management of employees’ travel and entertainment expenses through well-designed tools.

    Features of the ICICI Bank Corporate card:

    • Cardholders can choose from two billing dates, depending on their convenience.
    • The online e-statement that is generated provides for a detailed break-up of the various card accounts.
    • The cardholder can also choose from a range of liability options and controls with regard to employee spending on the card.

    Citibank Corporate Credit Card

    With a streamlined expense report for travel and entertainment spends, the Citibank Corporate credit card offers access to top-of-the-line automation and higher savings.

    Features of the Citibank Corporate Credit Card:

    • Earn rewards points on purchases made through the card that never expire.
    • Convenience through one-glance statements that provide a detailed summary of all linked cards.
    • Get access to exclusive savings and offers such as 20% off on dining spends in India and up to 55% off on travel, hotel stays and car rentals when purchased using the Citibank Corporate credit card.
    • Access statement information anytime, anywhere through the Visa IntelliLink Spend Management tool.

    Kotak Corporate Credit Card

    Kotak corporate credit card offering comes packed with features designed to sway the corporate customer, from savings opportunities to greater control over employee spending. Available in Gold and Platinum variants, the card provides a convenient way to meet expenses.

    Features of the Kotak Corporate Credit Card:

    • The card provides a 2.5% fuel surcharge waiver across all petrol pumps in India.
    • All purchases made through the credit card are insured for a period of 6 months from the date of purchase. In the event that an item is lost due to theft or fire, the cardholder can claim insurance of up to Rs.50,000 for the item.
    • Company can choose the credit limit assigned to employees, providing greater control on spending and access to funds.

    Standard Chartered Business Gold Credit Card

    Exclusively meant for self-employed individuals, the Standard Chartered Business Gold credit card is designed to cater to every need the business owner could have.

    Features of the Standard Chartered Business Gold Credit Card:

    • Enjoy a 5% cashback at all fuel outlets across the country when paying with the Standard Chartered Business Gold credit card.
    • Enjoy a range of discounts and special deals on hotel stays, dining and leisure activities.
    • Receive 1% cashback on all spends made through the card, resulting in greater savings.

    Allahabad Bank’s Laghu Udhyami Credit Card

    Targeted at small business owners and artisans across sectors, the Laghu Udhyami credit card comes with benefits for small business owners, extending a line of credit to them.

    Features of the Laghu Udhyami Credit Card:

    • The card extends a line of credit for the purchase of raw materials and other goods, with the interest dependent on the borrower’s profile and credit worthiness.
    • The cardholder can take a term loan for a period ranging between 5 and 7 years on them providing a satisfactory security collateral.

    A business credit card offers benefits and features that would help in the smooth running of your business enterprise as well as take care of employee spending through tools that enable you to regulate and monitor expenses. The deals and perks offered serve to incentivise and entice you as a business owner, making the deal sweeter and mutually beneficial.

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