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

    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.

    Small Business Credit Cards In India

    List of Small Business Credit Cards

    1. ICICI Corporate Credit card
    2. SBI Platinum Corporate Credit Card
    3. Axis Bank Business Credit Card
    4. HDFC Business Credit Card
    5. Citibank Corporate Credit Card
    More
    We found 4 Business Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    What you'll love
    Documents
    You'll also love
    Think about
    Fees & Charges
    Reduced to 0 If an HDFC Current/Savings Account is present/opened within 3 months of card approval 500
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Fee Details
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details

    ICICI Corporate Credit card:

    This business credit card offers a number of perks and benefits. The card available in different variants such as gold and platinum.

    The following are the features of the ICICI Corporate Credit Card:

    • Online banking
    • Interest free credit facility for a period of up to 50 days
    • Flexible billing cycles
    • Online e-statement
    • Attractive reward points and other perks

    SBI Platinum Corporate Credit Card:

    The SBI Platinum Corporate Credit Card makes it easy for business owners to manage their expenses. They come with a wide range of features and benefits.

    The following are the features of the SBI Corporate Credit Card:

    • Global acceptance
    • 24/7 services
    • EMV cards
    • Smart expenses management feature
    • Complimentary insurance

    Axis Bank Business Credit Card:

    The Axis Bank Business Credit Card is specifically designed to meet business needs and comes with EMI facility for big value purchases.

    The following are the features of the Axis Corporate Credit Card:

    • Airport lounge access
    • Business savings schemes
    • Fuel rewards and waiver
    • Cash advance
    • Automatic payments
    • Easy EMI option
    • Loyalty rewards

    HDFC Business Credit Card:

    The HDFC Business Credit Card is a great option for businessmen and comes with a range of features and benefits including global acceptance, cashbacks, lounge access, etc.

    The following are the features of the HDFC Corporate Credit Card:

    • Airport lounge access
    • Cashbacks on retail and international expenses
    • Smartpay and business savings facility
    • Renewal fee waiver
    • Global credit card
    • No liability on lost credit card
    • Fuel waiver

    Citibank Corporate Credit Card:

    The Citibank credit card for business is designed for all types of business needs. They come with online management tools and a wide range of corporate benefits.

    The Following Are The Features Of The Citi Corporate Credit Card:

    • 24/7 online banking
    • Comprehensive expense approval system
    • Online bill payments
    • Travel offers and perks
    • Reward points, gift vouchers
    • Cashless payments worldwide

    Features and Benefits of Business Credit Cards:

    • 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.

    List of Business Credit Cards in India:

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

    Tips for Business Credit Cards:

    • 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. Small Business Credit Cards

    Small business credit cards help businessmen and entrepreneurs have access to funds to manage a business. For example, they can be used to buy office furniture, equipment, electronics, etc. These cards are not meant for personal use and cannot be used by individuals to meet any kind of non-business expense. There are many banks in India that offer these types of business credit cards including State Bank of India (SBI), HDFC, Axis Bank, Citibank, ICICI, among others.

    Features And Benefits Of Small Business Cards

    • Business credit cards come with a higher credit limit when compared to regular credit cards
    • They help businesses meet urgent expenses without any hassle
    • The cashbacks and rewards offered on these cards are much higher than regular cards
    • It is more safe and secure
    • These can be used online through net banking to make purchases and is hence very convenient to use

    What Can They Be Used For:

    • Business travel expenses, business operations
    • Repair and maintenance work
    • To procure raw materials
    • For business equipment
    • For stationary and other office supplies
    • To buy electronic goods for business use

    What They Cannot Be Used For:

    • Personal expenses

    Eligibility Criteria For Small Business Credit Cards

    • Applicants should be running a legal business, company, small to medium sized business, partnership firm or sole proprietorship
      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Business Credit Cards Reviews

    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have availed SBI card for business purpose it is used mostly.For all online transaction and the credit limit was less it was 47000 and using for the past 2 months only .cash back offers and reward points are not there .I am paying the credit card bill through online .I have not faced any issues so far and for online transaction will;l be getting otp.
      Was this review helpful? 1
      , hooghly
      Reviewed on Mar 20, 2020
    • American Express
      American Express Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I am using American Express credit card more than 8 years this is a corporate card. I am using this card for International flight ticket booking for US and mostly i am using this card in abroad. Credit limit is good to use for purchasing, making a big payments and this reward points can be used for fuel purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 18, 2020
    • HDFC Bank Credit Card
      "Need to improve their service "
      0.5 3.5/5 "Pretty good"
      I am using HDFC Bank credit card approximately 2.5 years. This is a life time free business money back card , i am using for phone recharge, bill payment and for several commodities. Cash back and points can be used to clear credit card outstanding, service was good but the only disadvantage is they are not resolving my problem. Even I wrote a mail but no response or call from them which needs to be changed.
      Was this review helpful? 4
      , jaipur
      Reviewed on Mar 18, 2020
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using American Express Banking Corporation credit card which was a corporate card offered by my office .I am using this credit card for the past 4 years .The credit limit was sufficient and not yet checked cash back offers as well as reward points.There is an option of converting Emi as well and the service was good to me so far .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 12, 2020
    • HDFC Bank Credit Card
      "Good card for more offers "
      0.5 4.0/5 "Great!"
      I am not frequently using HDFC card. Since I am doing business whenever I required at that time only I use the card. I am holding this card for past 4-5 years. I maintain an account with this bank so I got an offer for the card. It is a life time free card, the credit limit is 1.20L. At initial I got 65K of limit and they enhanced once. It is a money back card. I am getting more offers but I am not using it.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 09, 2020
    • SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 3.5/5 "Pretty good"
      SBI staffs are delayed to do a verification call and it took around 2 to 3 days . But, later the process was smooth and received the card within 7 days. The credit limit is low at initial they told me about maximum 10L as per my eligibility and they have given 80K. The cash limit is 6K. It is an annual fee chargeable of 900 rupees waiver off option is avail if I spend 3L within a year. I use this card for business purpose.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 08, 2020
    • Kotak Credit Card
      "Good Bank gives good interest rate"
      0.5 5.0/5 "Blown Away!"
      Corporate executive came to my office to opened the salary account from Kotak Mahindra bank. I am using this account for almost for past 1.5 years. They don't deduct any hidden charges. There is no mandatory to maintain any minimum balance. There is no extra charges for IMPS and NEFT transactions.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 05, 2020
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have not faced any issues on using SBI credit card and have not chosen this card for business purpose .The credit limit was very less and it was only Rs.52000 which they could increase. I didn't go for EMI conversion. There was no drawbacks faced until the card delivery.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Mar 04, 2020
    • Citibank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have chosen Citi bank credit card through online and availed for my personal use and the credit limit was less it was 60000 .This was a life time free card and mostly using this card for business purpose .There are cash back offers as well as reward points. Am carrying this card for last 2 months.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 03, 2020
    • IndusInd Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      I have availed Indusind Bank credit card for purchasing good for business and to do shopping in the mall. Earlier when i applied the card, they have done a card to card process which was cancelled because of my credit card due they have stopped the process of this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 27, 2020
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I have chosen my HDFC credit card on one year ago because the service is good. In starting itself, they have provided me a huge credit limit and they have increased it also based on my usage. I got the Business Money Back credit card. In that I get good reward points. I need to pay the annual fee of Rs. 499 and it will get waiver off if i use the card up to Rs. 1.50L in a year.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 23, 2020
    • YES Bank Credit Card
      "Need to improve their service"
      0.5 1.0/5 "Really Bad"
      I have applied YES Bank credit card through online and this is my first card. They are asking me to submit salary slip or IT returns, but I unable to provide payslip since i am doing business and not filing IT. Due to this reason the card process was closed by bank side.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 21, 2020
    • IndusInd Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using Indusind bank credit card for business purpose to purchase any product .This card was availed for my emergency purpose .The credit limit was 50,000 rupees, if the limit is increased on another 3 months it will be good to me .This was a life time free card and the service was pretty comfortable .
      Was this review helpful? 2
      , chennai
      Reviewed on Feb 14, 2020
    • HDFC Bank Credit Card
      "Interest rate was high"
      0.5 3.0/5 "Satisfactory"
      I am using HDFC Bank Business money back credit card more than 1 year. I have applied this card directly through bank, annual charges 1 st year Rs. 1000 second year not sure . I am using this card for business purpose mostly EMI options is there but interest rate was higher. Credit limit is sufficient and good.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Feb 13, 2020
    • IndusInd Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      For the business use, i have purchased the credit card from Indusind bank which will be useful. I have not checked about the reward points system. They gave me a limit of Rs. 35000 and there is no annual fee for this card. I have been receiving a bill through messages. There is no proper customer care executive for Tamil language.
      Was this review helpful? 2
      , chennai
      Reviewed on Feb 13, 2020
    • Axis Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have taken AXIS credit card and am using for more than 3 years. I got an offer through online. Addon card option is also avail. They have provided a life time free card. The credit limit is good and sufficient to use, now they have enhanced up to 1.5L. It is a master business card. Based on credit card I have got loan offer with good amount. Based on usage I earned reward points and it helps me to purchase power bank as well as watch.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 08, 2020
    • IndusInd Bank Credit Card
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      There was an offer to get a Indusind bank card which is a hassle free verification part. Through online, they have collected all my documents after that no one turned up later i have received a called and confirmed that whether I'm doing a business or not then there is no follow up from anyone.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 30, 2020
    • HDFC Bank Credit Card
      "Best service "
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Regalia first business credit card more than 3 years. I am using this card for personal use and this is a good card. If i shop some amount then annual fee will be waived. Customer service and responsiveness was excellent. I am getting reward points, i redeemed and i have bought some stuffs like hair dryer and more. t rewa i bough suff like hairdrier and all in that points,
      Was this review helpful? 2
      , jaipur
      Reviewed on Jan 30, 2020
    • IndusInd Bank Credit Card
      "Best service"
      0.5 4.0/5 "Great!"
      I have INDUSIND Bank credit card which was taken through bank. I am using this card frequently and the credit limit was good. There is an option of converting EMI and got the credit card on time .The agent gave all the relevant details about the card process . I am using this card mostly for business purpose. I have chosen the card since the credit limit was 75,000.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 28, 2020
    • HDFC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      HDFC credit card is my first card and it has a good limit so I'm using this card on a regular basis. I'm having a business money back and i don't get much benefits except reward points. I'm holding this card for almost 3 years and they have enhanced my limit once which is Rs. 10,000 only.
      Was this review helpful? 0
      , mohali
      Reviewed on Jan 24, 2020
    Common Loader Icon
    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.