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

    Get a card

  • Corporate Credit Cards

    Loading your search...
  • Corporate credit cards are exclusively designed for organisations which in turn offer the same to their employees to manage their business expenses. Corporate credit cards are different from business credit cards as the latter are offered to business owners, self-employed, and professionals for their personal use. Corporate credit cards help businesses to regulate how employees spend money for business expenses.

    List Of Corporate Credit Cards In India

    Listed below are some corporate credit cards offered by various issuers in India. Each come with a different set of benefits and features.

    Corporate Credit Card Variant

    Key Features

    Citibank Corporate Credit Card

    • Travel and entertainment expense (T&E) spend management tool
    • Secure online bill payment facility
    • Easy access to local foreign currency

    HDFC Premium Corporate Card

    • 24x7 online MIS (management information system)
    • Integrates with existing account system
    • Complimentary Priority Pass membership
    • Accident Insurance cover of Rs.1 crore on air travel

    HDFC Corporate Platinum Card

    • 24x7 online MIS
    • Streamlines accounting procedures
    • Category-wise MIS reports
    • Accident Insurance cover of Rs.1 crore on air travel

    YES FIRST Corporate Credit Card

    • 24X7 online MIS tool
    • Individual statements for all cardholders
    • Controls at various levels including merchants, daily limits, international spends, etc.
    • Free air accident insurance

    IndusInd Bank Corporate Card

    • A powerful Expense Management platform
    • Smart data generation - spend analysis, category-wise spends tracking
    • Integrates with existing ERP system
    • Designated relationship manager
    • Consolidated payment

    Kotak Mahindra Corporate Wealth Signature Credit Card

    • Expense Management with Kotak Visa Intellilink
    • Universal acceptability
    • Consolidated payment solution
    • Airport lounge access
    • Dedicated service manager

    Kotak Mahindra Corporate Platinum Credit Card

    • Expense Management system
    • Universal acceptability
    • Consolidated payment solution
    • Airport lounge access
    • Dedicated service manager

    Axis Bank Corporate Credit Card

    • Unique MIS system
    • Efficient expense reporting system
    • Interactive reports
    • Airport lounge access
    • Single payment solution

    SBI Platinum Corporate Card

    • Visa Intellilink spend management tool
    • Multilayer spend control
    • Air accident cover worth Rs.1 crore
    • Complimentary membership to Priority Pass Program
    • Accepted globally

    The American Express Corporate Card

    • Easy expense management system
    • Business savings
    • Flexible billing and payment system
    • Travel insurance

    Maha March Mela Offer by Bankbazaar

    • Avail a gift voucher worth upto Rs.2000 from Amazon on applying for a credit card
    • Voucher will be provided upon approval of the credit card application
    • Offer will be valid from March 1, 2019 to March 31, 2019

    Features Offered By Corporate Credit Cards

    Citibank Corporate Credit Card

    The Citibank Corporate Card provides a robust travel and expense (T&E) spend management tool for companies. It streamlines travel and entertainment expense reporting and also provides multiple rewards for using the card across the globe.

    Benefits for businesses

    • Offers an online Visa IntelliLink spend management tool to manage all expenses.
    • Businesses can access statements online, get customised reports, access expense management tool and figure out top suppliers for better negotiations.
    • Prevents the need to issue advance foreign exchange to employees for travel.
    • Access to a consolidated statement for all member corporate cards.
    • Bill payment can be done to all card members at a time using cheque or RTGS or NEFT.

    Benefits to employees

    Employees who are offered corporate credit cards can enjoy the following benefits.

    • Earn never expiring reward points on every purchase made using the card. 2 reward points on every Rs.125 spent.
    • Employees can redeem reward points for air miles, hotel booking, gift coupons, premium merchandise, etc.
    • Access to local currency during foreign travel
    • 24/7 priority assistance services on phone any time

    HDFC Corporate Card

    The Corporate Credit Card offered by HDFC is a premium category card that offers both travel and entertainment benefits to cater the needs of the various organisations.

    Joining fee: NIL

    Annual fee: NIL (Life-time free)

    Interest rate: 2.95% per month

    Benefits for businesses

    • Corporates will get 24x7 access to online management information system (MIS)
    • More than 50 MIS reports will help firms make informed decisions
    • Provides spending analysis by category
    • Integrates with the existing system in the company
    • Minimizes paperwork and simplifies reconciliation and compliance tasks

    Benefits to employees

    Employees who are offered corporate credit cards can enjoy the following benefits.

    • Earn 5 reward points for every Rs.150 spent on the card. Redeem reward points for air miles and hotel bookings.
    • Fuel surcharge waiver of 1% on fuel transactions between Rs.400 and Rs.10,000
    • Complimentary Priority Pass Membership. 6 free lounge visits to Priority Pass lounges outside India in a year.
    • 8 free domestic lounge visits per year through MasterCard or Visa lounge access program.
    • Air accident cover worth Rs.1 crore on air travel.

    HDFC Corporate Platinum Card

    The HDFC Corporate Platinum Credit Card offers one of the best online management information system (MIS) for the companies to track employee expenses. It provides equal benefits for the employees in terms of reward points, free lounge visits, insurance cover, etc.

    Joining fee: NIL

    Annual fee: NIL (lifetime free)

    Interest rate: 3.49% per month

    Benefits for businesses

    • Corporates will get 24x7 access to online management information system (MIS)
    • More than 50 MIS reports will help firms make informed decisions
    • Provides spending analysis by category
    • Integrates with the existing system in the company
    • Minimizes paperwork and simplifies reconciliation and compliance tasks

    Benefits to employees

    Employees who are offered corporate credit cards can enjoy the following benefits.

    • Earn 3 reward points for every Rs.150 spent on the card. Redeem reward points for air miles and hotel bookings.
    • Fuel surcharge waiver of 1% on fuel transactions between Rs.400 and Rs.5,000
    • 8 free domestic lounge visits per year through MasterCard or Visa lounge access program.
    • Air accident cover worth Rs.1 crore on air travel and Rs.3 lakh on rail or road travel.

    YES FIRST Corporate Credit Card

    YES FIRST Corporate Credit Card is designed to be your preferred mode of payment across categories like Air Travel, Hotel Stays, Dining, Car Rentals etc. The card is designed with class-leading features and user-friendly online tools which assist in authorizing, tracking and processing expense & payment data.

    Joining Fee: NIL

    Annual fee: NIL

    Interest rate: 2.4% per month

    Benefits for employees

    • 24X7 online MIS tool that provides a comprehensive view of all employee and corporate spends.
    • Provides up to 60 customized reports that can be scheduled on a daily, weekly, monthly basis for various analysis.
    • Integrates seamlessly with the existing ERP system and expense management tools.
    • The individual and consolidated statement can be generated.
    • Single payment solution to enable payment towards all corporate cards in a single go.
    • Enables merchant category level control and limit set-up on a daily, weekly, or monthly basis.

    Benefits to employees holding the card

    • Up to 3 complimentary lounge visits per quarter to domestic airports.
    • 3 reward points on every Rs.100 spent on all retail categories.

    A comprehensive insurance policy that covers air accidents, emergency hospitalization, credit shield.

    Axis Bank Corporate Credit

    The Corporate Credit Cards offered by Axis Bank provides an efficient travel and expense management solution to companies and organizations. The cards are accepted worldwide and come with customized solutions that meet the needs of most corporates.

    Joining fee: Communicated by the company

    Annual fee: Communicated by the company

    Interest rate: NA. Revolving credit facility not available. Full payment needs to be made at the end of each month.

    Benefits for business:

    • Features a unique online MIS that enables better analysis and decision making.
    • The efficient expense reporting system, reporting procedures, and claim settlement methods.
    • Control travel and entertainment expenses of employees by setting limits
    • Easy to manage travel policies and negotiations with key suppliers
    • Consolidated payment mechanism to make a single payment once a month.

    Benefits to employees holding the card:

    • Airport lounge access at select airports in India.
    • Earn reward points on both domestic and international spends. 1 reward point on every Rs.200 spent on domestic spends and 2 points on international spends.
    • 1% fuel surcharge waiver on fuel transactions between Rs.400 and Rs.4,000
    • Comprehensive insurance policy providing coverage for air accident, lost card, lost baggage, baggage delay, missed and delayed flights.

    SBI Platinum Corporate Card

    Featuring smarter expense management, the SBI Platinum Corporate Card enables the companies to easily track and control the expenses while providing real-time expense management.

    Joining fee: NIL

    Annual fee: NIL (lifetime free)

    Interest rate: Up to 3.35% per month.

    Benefits for businesses:

    • Accepted across the globe at more than 35 million outlets including 3 million outlets in India.
    • Comes with a Visa Intellilink spend management tool that enables the organizations to analyze its spending pattern and to control expenses better.
    • Complimentary insurance that offers coverage for the corporate card liability against employee fraud
    • Category control that enables prevention of specific spends and limits control to set daily, weekly, or monthly limits.

    Benefits for employees

    • Emergency card replacement from anywhere in the world.
    • Air accident cover worth Rs.50 lakh. Lost card liability cover worth Rs.3 lakh. Travel insurance cover of up to Rs.1 lakh.
    • The discounted membership fee to Priority Pass Programme that provides access to more than 600 international airport lounges across the globe.
    • 2 free lounge visits per quarter to airports in India.

    Benefits of Corporate Credit Cards

    While each credit card issuer offers different benefits on their corporate credit cards, there are some common benefits which companies can enjoy by availing corporate credit cards.

    Listed below are various benefits offered by corporate credit cards.

    • Track and control expenses: Every corporate credit card provides access to a smart spending management tool, which enables the companies to track and analyse the organisation's spending behaviour related to travel and entertainment.

    The tool helps the employer to know the spending pattern on the cards, to identify top suppliers for better negotiations and also to set controls for card usage.

    • Category control: Companies can also restrict certain merchant categories such as casinos, jewellery, etc., to prevent employees from spending even inadvertently.
    • Airport lounge access: Most cards offer membership to various priority pass programmes through which employees or card members can enjoy complimentary lounge visits at both domestic and international airports across the world.
    • Insurance cover: The Corporate credit cards also offer travel insurance that offers coverage for air accidental death, lost card, loss of baggage, missed flights, flight delay, loss of passport, fraud or misuse of card, etc.

    How to Apply For Corporate Credit Cards Online?

    Most banks allow online application for corporate credit cards. You can visit the website of respective bank, check the available credit cards, choose the one that suits your organisational needs and apply for the same on the bank's website.

    Upon submitting the online application, the bank may call you back provided the details match the eligibility criteria. The further steps in the application process will then be informed to you over the call.

    You can also apply for some of the corporate credit cards through BankBazaar, which is an authorised partner of top banks in India.

    Steps to apply through BankBazaar website

    • Visitbankbazaar.com and select the card that you wish to apply for.
    • Click the 'Eligibility' button to check your eligibility for the card
    • If you are eligible, you will find an option to Apply, click on the same, enter the required details and submit
    • You would be asked to upload the required documents.
    • Once they are uploaded, click 'Submit'.

    On successfully submitting the application and the necessary documents, you would receive an 'Application ID'. Use this ID to track your application status by clicking'Track Application'.

    Learn the Policies of your Company on Corporate Credit Card

    No matter what type of corporate credit card your company gives you, it is very important familiarize yourself with reporting and spending rules of your employer.

    Understand the travel policies, spending limits, procedures and restrictions associated with the credit card. For example, an organisation might state that car rentals and flight tickets fall under the category of approved travel spends, but toll costs and fuel charges must be given by the employer from his/her own pocket.

    Along with learning all the major company policies on the use of corporate credit cards, you must also know about policies that are specific to your position or designation in the organisation. For example, a field engineer and the CEO might have different spending profiles.

    As a cardholder, you must find out the limits and types charges associated with your corporate credit card.

    Charge limits can exist within the approved categories for spending too. Some of the expense restrictions are established for various kinds of merchants. Such control suggests that the employer can cap the charges at a particular level for the office supplies but offer more for the flight tickets.

    The transactions being carried out at any given time can also be tracked and controlled by your employer which stops you from overspending.

    You should also take proper training for using a corporate credit card. At times, these training sessions are made mandatory by the companies.

    Compared to traditional methods such as providing liquid cash to employees or asking them to use their own money and reimburse it, corporate credit cards provide better control for the businesses.

    With corporate credit cards, business can set spending limits, billing options, and spending options for each employee on different categories.

    An interesting aspect of corporate credit cards is the spend management platform they offer. All the cards are integrated with an online platform providing the businesses the power to control everything related to the cards in real time.

    The expenses management platform enables organisations to load funds, set limits, view the spends on all the cards across the organisation, order new cards, cancel or suspend existing ones, and the overall spend data across employees, departments, projects, time periods, etc., as per the company's requirement.

    Important Points Related to Corporate Credit Cards

    Avoid Pitfalls

    Unapproved charges can be a threat to corporate credit cardholders. If you have an individual payment card, you must submit your expense report and get it approved by your company's management. In case there are unapproved charges on your corporate credit card statement, then you can be on the hook.

    Also, mixing corporate expenses and personal expenses can be a bad idea. At times, you might feel like skipping the hassle of using your personal credit card for your expenses when you are on a business trip. When the expenses are tracked, you could land into collision course with your employer.

    Use Simple Logic

    If you are spending on something that is related to work, make sure that the particular spend is 100% related to your work. Don't spend on things that have chances of going into the unapproved charges bucket. Not only will you lose out on money, but also you will stand answerable to your employer.

    Keep a Track of your Credit Score

    When your company gives you a corporate credit card, it might want to check your personal credit score. This would give them an idea of your expense management, spending habits and repayment capabilities.

    If you avoid credit card payments, it will affect your credit score a lot. The credit bureau keeps all the information about your late payments. If your employer comes to know that you have not cleared your outstanding on time, you might not be considered eligible for the corporate credit card. Make sure that you pay your debts on time to keep the credit score high.

    Loss and Theft

    You, as an employee, must ensure your card's security. Corporate credit cards come with unique numbers. In case of loss or theft of your credit card, block it immediately. This will stop the possibilities of fraudulent activities using your corporate credit card.

    Traveling with your Corporate Credit Card

    Corporate credit cards offer travel expenses for the employees traveling for business purposes. As an employee holding a corporate credit card, you can avail access to VIP lounges at several international airports. It also offers travel insurance so that you can enjoy the peace of mind you deserve while traveling.

      

    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.

    Corporate Credit Card Reviews

    • American Express Credit Card
      "Good Card"
      0.5 4.5/5 "Excellent!"
      I have a credit card from American Express. The customer care experience is really good with Amex card. I cannot able to use the Amex card in all the places which is the only problem i'm facing from this card. The rewards points system is really good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Great Card"
      0.5 5.0/5 "Blown Away!"
      The response is always good and the convenient IVR option and i don't need to wait a long time and my SBI card also has some very good features. Based on my expenditure, they will provide some extra bonus points. They have a cash redemption option which is very good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2019
    • IndusInd Bank Credit Card
      "Better Card"
      0.5 4.0/5 "Great!"
      I get a movie voucher and its a free and based on the movie offer i bought my Indusind bnk. I get a one on one ticket free on bookmyshow. I can use this option twice in a month. The given limit was more than Rs. 3 lakhs. There was a bit delayed to deliver my credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2019
    • Bank Bazaar Credit Card
      "Its one platform for all financial lead"
      0.5 5.0/5 "Blown Away!"
      I came know about bankbazaar.com through social media .I am using through web portal for the past one year .Customer service good and responsive . I was able to check all the finanical products through online using through EMI calculator. I am using for checking the financial products through online .In all it was a very good platform.
      Was this review helpful? 0
      , noida
      Reviewed on Jul 18, 2019
    • American Express Credit Card
      "Wonderful Card"
      0.5 5.0/5 "Blown Away!"
      Amex is a user friendly credit card to use because its simple as it and convenient to use. I'm fully satisfied with the card because their customer care service is easily contactable and i got the limit of Rs. 1.80 lakhs. Their rewards points system is very good and I can redeem my rewards points into cash.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 18, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      ICICI is a good card to use and 1 year ago i have taken this card. The credit limit is very less which is around Rs. 38000 and I'm not happy about it. The annual fee will get waived off if i use certain limit other wise i need to pay Rs. 1000. Since my account average balance was high hence they have given me a credit card without any documentation.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 18, 2019
    • IndusInd Bank Credit Card
      "Need to increase the limit"
      0.5 3.0/5 "Satisfactory"
      The credit limit is not satisfactory on Indusind Bank credit card where I got good limit on my other cards. They need to increase my limit. Their app is user friendly. My credit card is life time free. There is no hassle in document submission.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 18, 2019
    • HDFC Bank Credit Card
      "Average Card"
      0.5 2.0/5 "Expected more"
      HDFC credit card is not that much good. The service is not good and which i don't like. They are not providing any EMI options and Approximately 4 years i'm using this card and i haven't faced any issues so far. After 3 years, they have increased my credit limit as a double.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 18, 2019
    • Bank Bazaar Credit Card
      "Convenient site"
      0.5 5.0/5 "Blown Away!"
      It is hassle free and it is easy to apply for the credit card through online. I was using the bankbazaar when i required for the credit card like 6 months back, i have started using it. Through website, i come to know about bankbazaar. The web application is user friendly and fine for me.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 18, 2019
    • IndusInd Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      It was a good and amazing experience with Indusind Bank. The documents was picked up on time and the verification happened without any hassles. Each and every step is excellent. The credit limit is also good for me. It is a life time free card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2019
    • Citibank Credit Card
      "Good One"
      0.5 5.0/5 "Blown Away!"
      I don't require their customer care service since i'm using their app and all the facilities are available in their app. Their interest rates are bit high. I was in search of going for some more card hence i opted this one. I'm driving frequently thats the reason i purchased this Indian Oil card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 18, 2019
    • Citibank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am holding a Citi Bank credit card. I am not happy with their customer service. They are not responsive. I am not getting my credit card statement and information given in their application is not at all transparent. I am ok with the credit limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 18, 2019
    • IndusInd Bank Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I have selected indusind bank platinum aura edge credit card before 1 months ago .1st year annual chargers Rs 1000, . Customer service is good and responsive .sufficient limit is provide is from banker end.All notification message.Iam using through mobile application is user friendly application.
      Was this review helpful? 0
      , noida
      Reviewed on Jul 18, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have been using Bankbazaar's service for a while. I am really happy with their services. I have come to know about Bankbazaar from the internet. Their customer service is really great. They had given me clear information, they are very helpful.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 18, 2019
    • Bank Bazaar Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I came know bank bazaar.com through promotional using through past 2 years ago . Customer service is good and responsive using through EMI calculator I am using for checking the financial products which is useful.differentiate various partners different types products. every thing to click way
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 18, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I applied for an INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD. The card was delivered on time and credit limit is nominal. They provided credit limit of Rs. 1 lakh. It is a lifetime free card. I am getting reward points and cashback offers. Their customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 18, 2019
    • IndusInd Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have selected indusind bank plantium aura edge credit card before 1 months ago.Its life time credit card .All notification message and email communication from banker end.while document through executive . There is no sufficient limit is provide from banker end.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 18, 2019
    • Citibank Credit Card
      "Better"
      0.5 3.0/5 "Satisfactory"
      I have just started using Citi cashback credit card and they have not explained me about the offers. After Submitting the documents, I have received the card in 10days. The credit limit is better. They have taken Rs.500 as an annual fee plus GST.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2019
    • Standard Chartered Bank Credit Card
      "Genuine service provider"
      0.5 5.0/5 "Blown Away!"
      Last 15 days I have been holding this Standard Chartered card, the process of getting this credit card is easier. Genuinely they have done the address verification I would say they are very professional in the service. I am holding non chargeable card its good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I am using the credit card with HDFC BANK since form last 2 years, the card has the lesser limit of 35K. The card has the benefits ad offers but there is no emi option to be converted. The application is easy to do billing and to check the card status.
      Was this review helpful? 1
      , noida
      Reviewed on Jul 17, 2019
    Common Loader Icon
    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.