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

    We found 52 Business Credit Cards in India

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  • Business Credit Cards Reviews

    • SBI Cards Credit Card
      "Not bad"
      0.5 2.0/5 "Expected more"
      I am having the SBI Elite card and am using it from the last eight months of time. Credit limit is around 3.5 lakh Rupees till now. Customer service is also a good one with them and the interest rate is the drawback with them, also they will not provide the reason for the extra charges.
      Was this review helpful? 1
      , chennai
      Reviewed on May 27, 2017
    • Dhanalakshmi Bank Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I am having he credit card with the Dhanlaxmi bank and they are the best one among am using. The credit limit is around 1 lakh Rupees and am using it from the last ten years of time , also the customer service is working in a good way.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The offers at Axis Bank is good on the credit card and there are no charges taken for it annually. The online banking is clear as I am able to check the statements and all my transactions that I do. I also get the message instantly as soon as my card is used.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI offered life time free credit card for me. The credit limit is good. I regularly receive reward points but I do not know about cash back offers. I never converted reward points in to cash but I used the points for shopping purpose. ICICI bank is good in terms of credit card services.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "They should understand Customer's Needs"
      0.5 1.0/5 "Really Bad"
      I had been using this card more than three years, my credit limit is just Rs. 40,000 but in CITI , I am using for the period of one and half year. Initially they gave the credit limit of Rs.80k now increased to Rs.1.20 lakh and I am holding saving account with HDFC more than 5 years. I had done many loan payments through their account, I dont have any cheque bounce, they would have increase my limit.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the State bank of India and the services are good one with them, also they have contacted me to increase the credit limit. Customer service is good one with them and am using it from the last two months of time.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • Citibank Credit Card
      "Very good to use"
      0.5 5.0/5 "Blown Away!"
      CITI is one of the best bank, they analyze the customer profile very well and they give respect to the customer. CITI understand the customer very good. I got many reward points and cash back upto 12,000, I am very happy to use CITI bank credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having HDFC bank credit card from the last four years of time. The offers are not really fine one with them like I am not able to make the big purchase into EMI conversion, also am not satisfied with the HDFC bank credit card till now.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • Axis Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      Customer service is good one with the Axis bank credit card and am having it from the last four years of time, also the response is good one with them. I have not received any offers with the Axis bank for this long tenure and the credit limit value is almost good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • IDBI Credit Card
      "Nice features"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good and I am happy with the overall experience as my card is accept at all the outlets and even for my online shopping as well. There are decent offers and from IDBI and the billing cycle is convenient for me so I do not get to miss out on my payments.
      Was this review helpful? 0
      , raipur
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the SBI and I want to say its the best one because their service aspects are really good while compare with some other competitors. Response is fine one with them and am having this credit card from the last two years of time. Offers are almost good one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Transparent in details"
      0.5 5.0/5 "Blown Away!"
      The offers are good at HDFC bank and there are no charges taken for card annually. The best I prefer is the statements which was sent on time and I did not have any discrepancy in the bills. The customer support is always helpful and I get the updates regularly on calls and through emails.
      Was this review helpful? 0
      , delhi
      Reviewed on May 27, 2017
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      There are no unnecessary charges or hidden charges with Standard Chartered Bank for the credit card. I use this card for long time and I did not face any issues with them till date. I receive reward points and cash back offers on my card but the drawback is there is no option to convert those points into cash. Customer service and responsiveness were equally good.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered a life time free credit card and they have given me a limit of around four lakhs which is more than satisfactory for me. The customer support is good and they are responsive is giving me details instantly without a delay. The offers are good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      State bank of India provides good credit card service. I am using the card for long time but I did not gone through any kind of tough situation because of the credit card. I used to get reward points and cash back offers. Good feature of SBI is we can convert all the reward points into cash.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very well "
      0.5 5.0/5 "Blown Away!"
      I have a current account with HDFC based on this account they used to give many offers. In fact I got HDFC Religalia card, initially they gave 35,000 but now they increased the Rs. 3 lakhs credit limit. I am very happy about it. HDFC bill part is very clear.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card. The credit limit is good and it is sufficient as per my requirement. I am getting reward points. They provide offers on travelings, entertainments. Sometimes they give cash back offers. I never checked about the rate of interest and the annual charges. It is going smooth till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Convenient banking"
      0.5 5.0/5 "Blown Away!"
      When ever I contacted HDFC bank with regards to my credit card, they were very helpful to give me details. The offers are good and the cash back I get on it is helpful. The points can be redeemed on fuel and there are other benefits of EMI and loan features too.
      Was this review helpful? 0
      , panchkula
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very good in services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been good in the services for the credit card as well. Everything falls in place from the offers to the credit limit and the updates they give me on the card. The customer services are good and professional as well in the communication.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      The credit limit which was offered on my CITI bank credit card is for 2.5L. I use this card for emergency purpose. All there services are good and approachable. I am not sure about their customer service. Their net banking application is good and everything is good with CITI bank but I hardly use this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 27, 2017
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    Business Credit Cards in India is Rated as "Excellent!" by 34869 Users

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    Credit Card BYTES FROM OUR KITCHEN

    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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