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

    Card
    1st Year Fee
    Rewards
    Joining Perks
    499
    Response Time Within 30 minutes
    Paperless approval option available
    0
    Response Time Within 30 minutes
    3000
    Response Time Within 30 minutes
    1000
    Response Time Within 30 minutes
    Instant Decision
    0
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    0
    Response Time Within 30 minutes
    9999
    Response Time Within 30 minutes
    2500
    Response Time Within 30 minutes
    10000
    Response Time Within 30 minutes
    499
    Response Time Within 30 minutes
    Paperless approval option available
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    Overview:

    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 away from their personal account. It becomes easier to track expenses and activities related to the business. 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 cardholder and their business 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 your 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:
    • Your monthly credit card statements could save you a lot of time and effort in tracking expenses and calculations. It 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:
    • These credit cards usually come with the option to cap the spending limit. Employers can track the employee's’ expenses on the credit card.

    • Rewards:
    • Some credit cards offer reward points, cashback, discounts and deals on these cards. Employees or cardholders can earn rewards which they can later redeem for gifts, vouchers, et cetera.

    • Multi-purpose expenses:
    • These cards can be used to spend 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 you be able to pay for all expenses in one shot, but you 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, 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.
    • 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 maintain a track of costs.

    Banks that offer Business Credit Cards in India:

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

    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.
    • Analyze 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.

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