Best Business Credit Cards in India 2026

HDFC Bank offers an extensive range of business credit cards to help businesses grow and transact effortlessly. The HDFC Bank Biz Black Credit Card is a super-premium credit card that can provide businesses with much-needed credit, as well as rewards on essential business expenses. The BizBlack Metal Credit Card is available for a joining fee of Rs. 10,000. Upon availing this card, customers would receive a welcome benefit of Club Marriott Membership and Taj Vouchers worth Rs. 5,000.

The HDFC Bank BizPower Credit Card is available for a joining fee of Rs. 2,500. It offers fantastic rewards on business expenditures and is easily accessible to small and medium enterprises. Customers can earn 5X Reward Points on selected expense categories, including tax, vendor, and business payments. Complimentary lounge access is also offered along with this card.

The IDFC Business Multiplier Credit Card is a fixed deposit-backed business card designed for small and growing businesses. It offers strong rewards on GST and tax payments, making it especially useful for regular business expenses. With zero forex markup, lounge access, and add-on cards for team usage, it provides a good mix of value and convenience at a reasonable annual fee. This card is available in the metal variant with an affordable charge of ₹1,000 + GST.

The IDFC Business Max Credit Card is a lifetime-free secured credit card for small business owners and beginners. To apply, you need a fixed deposit of at least ₹10,000. You earn reward points on online purchases and on offline and UPI transactions. The reward value is ₹0.25 per point, which is simple but not very high. It also offers a low interest 1% per month and a low forex markup of 1.5%, making it useful for business expenses.

The IDFC First Business Credit Card is an innovative offering by the bank. You can earn accelerated Reward Points with this card while taking advantage of benefits like free lounge access. All of this at a low joining fee of Rs. 499.

The HDFC Bank BizGrow Credit Card is an excellent option for small businesses and enterprises seeking a dependable and rewarding credit card. With a low joining fee of Rs. 500 plus applicable taxes, it is an affordable option. With the BizGrow Credit Card, you can earn 10X Cash Points for essential business expenses. Additionally, this card offers up to 20% discounts on Swiggy Dineout, which can help you save significantly on dining expenses.

The HDFC Bank BizFirst Credit Card is designed for business expenses, offering rewards on various types of spending. With a joining and renewal fee of Rs. 500 (plus GST), it provides 3% CashPoints on EMI spends, 2% on utility bills, SmartPay, and Payzapp transactions, and 1% on other expenses, including UPI transactions. Cardholders receive a Rs. 250 voucher as a welcome benefit and can waive the renewal fee by spending over Rs. 50,000 annually. Rewards can be redeemed for vouchers, flight or hotel bookings, and cashback. However, there are no travel, lounge, golf, or insurance benefits associated with this card.

The HDFC Giga Business Credit Card is an excellent choice for freelancers and small business owners, offering high rewards and valuable discounts tailored to business expenses. With a low joining fee of ₹500, cardholders can earn 6 Cash Points per ₹150 spent on essential business categories like advertising, software purchases, and tax payments. The card also provides milestone benefits, such as 800 Cash Points for monthly spending of ₹50,000, and offers discounts on partner brands like Zoho and Truelancer. While it lacks travel perks like lounge access, its reward structure and affordability make it a compelling option for professionals looking to optimize their business spends.

The Axis Business Supreme Master Credit Card comes with a joining and renewal fee of ₹1,500 + GST. It is best suited for business expenses and offers EDGE Reward Points instead of cashback. Cardholders earn 4 RPs per ₹200 on regular domestic transactions, 6 RPs on marketing and advertising expenses, and 8 RPs on international transactions. It also offers 4 complimentary airport lounge visits annually. However, there are no welcome benefits, travel perks, or spend-based fee waivers included.

The Axis Bank Business Supreme Visa Credit Card is a lifetime free card, meaning there are no joining or renewal fees. It is designed for business expenses, offering 4 Reward Points for every ₹200 spent on domestic transactions and 3 Reward Points for international spending. Cardholders can also earn 1 Reward Point on other eligible purchases and receive 100 Reward Points after their first online transaction. Major purchases over ₹2,500 can be converted into easy EMIs, helping businesses manage cash flow.

IndusInd Bank has launched the Vrddhi Business Card, specifically designed to support and provide stability to businesses. This card allows businesses to easily manage their professional credit spends. Every transaction made with the Vrddhi Credit Card earns reward points. Users earn 2 Reward Points on every domestic spend of Rs. 100 and 4 Reward Points on every international spend of Rs. 100. If you frequently travel for business, this card offers an additional benefit of 3 complimentary domestic lounge accesses per quarter.

The AdvantaEdge credit card offers 1.10% cashback on retail purchases, access to domestic airport lounges, and insurance coverage of up to ₹25 lakhs, making it a valuable choice for businesses. With this card, users can enjoy a fuel surcharge waiver, saving money on fuel expenses. The card also allows for personalized embossing with corporate names, adding a professional touch.

The IndusInd Bank Fortuna Prima Credit Card is designed to meet the financial needs of businesses and entrepreneurs in India. It offers a cashback of 0.40% on all MCC transactions and allows cardholders to personalize their cards with company names. The card provides complimentary access to domestic airport lounges, a fuel surcharge waiver, and insurance coverage worth ₹25 lakhs.

Elevate your business to new heights with the Saarthi Business Credit Card from IndusInd Bank. This card not only provides benefits to your business but also secures it with complimentary fire, theft, and burglary insurance. Keeping personal and business finances separated is essential, and with this dedicated business credit card, you can easily track your expenses and simplify your bookkeeping. And that’s not all! You can earn great rewards on every transaction made using this card.

The BOBCARD Empower Credit Card is for small business owners to manage their business expenses easily. It comes with no joining fee and an annual fee of ₹250, which can be waived if you spend ₹50,000 in a year. Cardholders earn 5 reward points per ₹100 on utility payments and 1 reward point per ₹100 on other spends. The reward points can be redeemed for cashback at 1 RP = ₹0.25. The card also offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.

The American Express Platinum Corporate Card is a top-notch credit card exclusively made for the corporates to enjoy the luxurious benefits and rewards in travel, dining and much more. The card comes with Taj Epicure membership to enjoy heavy discounts across dining, hotel stays, spas and much more and with Hertz gold plus membership to enjoy car rentals from anywhere in the world. The Express Platinum Corporate Card offers Amex membership rewards which the cardholder can redeem for vouchers, transfer to partners, cover charges with them and many other ways. On top that, the card provides unlimited access to over 1200 airport lounges across the globe with the American Express Global Lounge Collection, along with the platinum travel services designed exclusively for the Amex platinum cardholders. The card also provides many other services like zero liability protection and insurance covers as well. Following is the list of features of the card:

• Complimentary membership to Taj Reimagined Epicure membership.
• 1 Membership Rewards Point for every Rs. 100 spent.
• 1 Membership Rewards Point for every Rs. 40 on all other spending.
• Complimentary access to 1200+ lounges under American Express Global Lounge Collection.
• Hertz Gold Plus Rewards membership.
• 1% fuel surcharge waiver.

The Kotak Solitaire Business Corporate Credit Card is an invite-only card offered to Solitaire Business customers. It provides 14 reward points per ₹150 on flight and hotel bookings via the Kotak UnBox platform, 2 points per ₹150 on regular spends, and 1 point per ₹150 on essentials like utilities and insurance. Reward points are valued at ₹0.50 each. The card also includes complimentary domestic and international lounge access, insurance cover, and exclusive business offers on platforms like Google Workspace, AWS, Canva, and more.

The Kotak Biz Business Credit Card is an entry-level card with an annual fee of ₹499 + GST, designed to help business owners manage everyday expenses efficiently. With this card, business owners can earn rewards on purchases related to advertising, marketing, and other business operations. Additionally, cardholders enjoy the benefit of 4 complimentary domestic lounge visits annually, offering a touch of luxury during travel. This card is an excellent choice for small business owners looking for convenience and rewards on their daily business spending.

The HDFC Bank Corporate Premium Credit Card is a premium card offered by the HDFC Bank for the corporates to get benefits like reward points for every business transaction. The card has no fees which makes it more popular, along with the travel benefits it offers. The card offers 5 reward points for every business transaction of just Rs. 150, making it easier to collect tons of reward points. One can redeem this reward points for air ticket bookings, hotel bookings and even for miles. The cardholder gets other benefits like fuel surcharge waiver, corporate liability waiver and much more.
The card is made to make the travel purposes of the corporates premium and covered with Insurance benefits. Following are the features of the card.

• 5 reward point for every Rs. 150 spent.
• 1% fuel Surcharge waiver.
• 20 complimentary access to domestic airport lounges.
• 6 complimentary access to international airport lounges.
• Greater savings, Reconciliation and reporting tools.

The myBiz ICICI Bank Business+ Credit Card is tailored for business and travel needs. It offers rewards as myBiz Cash redeemable on MakeMyTrip myBiz. It provides two complimentary domestic lounge visits per quarter and one international lounge visit per year. The card has a one-time joining fee of ₹2,500 with no renewal charges, offering travel benefits and discounts. Additionally, cardholders earn accelerated rewards on domestic, international, and travel bookings made via myBiz.

The AU Bank Business Cashback RuPay credit card is exclusively for small businesses and self-employed people. The card offers benefits like 1% cashback, instant loans, complimentary railway lounge access, fire, housebreaking, and burglary insurance, etc. that help individuals streamline business requirements and manage cash flow. Also, the card comes at a low Rs. 99 monthly fees which can be waived off on spending Rs. 10,000 or more in the card statement cycle.

• 1% cashback on repayment of Total Amount Due on their credit card bill
• Instant loan is available on the credit card
• 1% fuel surcharge waiver, maximum benefit of Rs. 200 per month
• Up to 30% discount at partner restaurants with the Silver Spoon Dining program
• 8 complimentary railway lounge access, max 2 per quarter
• Business insurance, fire, burglary, and housebreaking insurance, card liability cover, and air accident cover

The BOBCARD Micro Enterprise Credit Card is for small business owners looking for a simple and affordable way to manage everyday business expenses. It comes with no joining fee and an annual fee of ₹500 + GST, which is waived on annual spends of ₹50,000. Cardholders earn 1 Reward Point for every ₹100 spent, with a redemption value of ₹0.25 per point as cashback. Additional benefits include a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 up to ₹250 per statement cycle.

The ICICI Bank Business Advantage Black Card is a cashback rewarding card designed for businesses to save more on all business spends. The more you spend, more you earn as cashbacks. Earn cashbacks on your travel, car rentals, professional services and other expenses. The card offers complimentary domestic airport lounge access, along with the 24X7 concierge services. It also provides zero liability protection as well as the fuel surcharge waiver. Some of its additional advantages are as follows:

• 1% cashback on every eligible spend.
• 1% fuel surcharge waiver at all HPCL petrol pumps.
• 2 complimentary domestic lounge access.
• Spend based Annual and Renewal Fees Waiver.
• Personal air accident death insurance cover of up to 75 lacs and many other benefits.

HDFC Bank UPI RuPay Biz Credit Card is a virtual credit card with which the user will not receive any physical card. The key feature of having this credit card is it has cash points as its reward type. You can earn up to 3% cash points on groceries, supermarkets & dining spending; 2% cash points on utility spending, and 1% cash points on any other spending. This business credit card comes with a credit-free period of 50 days from the day of purchase along with milestone benefits such as a spend base waiver with just a minimal amount of Rs. 25,000 in an annual year.

• 3% Cashpoints on groceries, Super Market, and Dining expenses
• 2% cash points on all the Utility spends.
• 1% Cashpoints on every other spend.
• 50 days of the interest-free period.
• Renewal membership fee waiver at a minimum spend of Rs. 25,000.
• Cashpoints accumulated against the expenses can be redeemed against the flight bookings, hotel bookings, the statement, etc.
• 1% fuel surcharge waiver.

The Axis Bank Executive Corporate Credit Card is a reward point offering card with tons of points on every domestic or international business spends. Apart from that, it offers several benefits in travel, golf, fuel, dining and much more. The card offers premium services like golf rounds every year, 24/7 Concierge service and complimentary domestic as well as international lounge access. It also offers great dining benefits, travel benefits and fuel surcharge waiver also. The card offers features like:

• 4 Reward points for every Rs. 200 domestic spends
• 8 Reward points for every Rs. 200 international spends.
• Complimentary access to domestic and international lounges.
• Airport Concierge services.
• 20% off at Restaurants across India.

SBI Signature Corporate card is an Expense/Spend analysing and managing card that helps corporates to spend smarter and save smarter. Corporates can have a spend control over the card in the form of category control or limit control. Apart from that, the card provides insurance benefits for fraud related cover and travel related cover as well. Also, complimentary access to the airport lounges is provided with the card too. Following are the features of the card:

• Spend Based control over the card.
• Complimentary access to airport lounges with Priority Pass membership.
• Insurance covers for fraud and travel related covers.
• 24X7 Concierge services.

The American Express Gold Corporate Card is a premium card with a joining fee of ₹1,000 and a renewal fee of ₹4,999. With this card, corporate account holders can enjoy various benefits such as travel insurance, airport lounge access, and reward points on business expenses. The benefits this card provides are as follows:

• 1 Membership Rewards Point per ₹50 spent on business expenses.
• 1 Membership Reward Point for every ₹100 spent on fuel, utility, insurance, etc.
• Complimentary international airport lounge access is available twice per year for accompanied guests with Priority Pass membership.

The American Express Corporate Meeting Card is a very basic card designed specifically for the better management of business meetings, conference meetings, association meeting and other corporate event’s expenses. The card helps to track each and every transaction along with greater visibility. Following are the features of the card:

• Renewal Fees of Rs. 2,100
• Better control over the Meeting Expenses.
• Zero Liability protection in case the card is lost.
• Lesser dependence on paperwork

Business Regalia Credit Card is a luxurious offering by HDFC Bank providing acceptable privileges. The card offers reward points on every business transaction and great cashback. Apart from this, the Business Regalia offers many benefits for business and travel to make it luxurious, with complimentary lounge access at domestic and international lounges. The card also offers spend-based benefits to waive the annual fee of ₹2,500 and great milestone benefits to get bonus reward points. You can also enjoy the benefit of 24/7 concierge services, as well as the fuel surcharge waiver of 1%. It offers several other benefits like:

• 4 Reward Points on every transaction.
• 8 Complimentary lounge access at domestic airports
• 1% fuel surcharge waiver.
• ₹200 off on Dining transactions.
• Priority pass membership.

The myBiz ICICI Bank Business Credit Card offers a joining fee of ₹500 with no renewal fee after the first year. Cardholders earn myBiz cash on purchases, including 1 myBiz cash for every ₹200 spent domestically and 1.25 myBiz cash for every ₹200 spent internationally, even more for flights and hotels. New members receive a bonus of 500 myBiz cash upon joining and can access domestic airport lounges quarterly, making it an excellent choice for managing business expenses and travel.

The AU Corporate Credit Card helps manage business expenses and does not charge any annual fees, making it a lifetime-free credit card. It is designed for companies that want to manage their spending effectively. This card comes with complimentary airport lounge access, fuel surcharge waiver, insurance coverage, and a web-based expense management solution.

The YES FIRST Business Credit Card is reward point offering credit card designed for the businesses to get more out of their business transaction. The card offers many great benefits and fine privileges like complimentary domestic as well as international lounge access, as well as golf lessons every month. Apart from that, the card offers great reward points which can be redeemed for tons of options. The most stupendous part of the card is that, the foreign markup fees on the card is just 1.75%, which is must lower businesses cards that charges around 3.5% on the transaction amount. There are many other benefits with the card like:

• 8 Reward Points for every Rs. 200 on all categories.
• 4 Reward Points for every Rs. 200 on Select categories.
• Foreign currency markup fee of 1.75%.
• Complimentary Domestic and International Lounge access.
• Great Milestone and spend based waiver benefits.

The HDFC Bank Corporate Platinum Credit Card is a reward-based card, the more you spend, more reward points it offers. The card provides reward points for every business transaction. Redeem the reward points earned for miles against international as well as the domestic airlines, hotels and many other catalogue options. The card provides other benefits like fuel surcharge waiver and an advanced reconciliation process. Also, the card offers complimentary airport lounge access and insurance protection of up to Rs. 1 crore. Following are some of the features of the card:

• 3 reward points for every Rs. 150 spent.
• 8 domestic lounge access.
• 1% fuel surcharge waiver.
• Corporate liability waiver insurance.

YES PROSPERITY Business Credit card is a reward point earning card that offers tons of points on every business spend and on milestone spends. The foreign currency markup for the YES Prosperity Business Credit Card is 2.5%, therefore you will have an advantage in doing foreign transactions. Also, on top of it, the card offers complimentary airport lounge access for both international as well as domestic lounges. You may enjoy other privileges such as a complimentary golf lesson every month and insurance benefits. The card also provides spend based waiver as well. Following are the features of the card:

• Foreign currency markup fee of 2.50%.
• 4 Reward Points for every Rs. 200 on all categories.
• 2 Reward Points for every Rs. 200 on Select categories.
• 3 complimentary international Lounge access at airports outside India.
• 1 complimentary Domestic Lounge access per quarter.

The SBI Corporate Purchase Credit Card is a lifetime free credit card offered by the SBI Bank for corporates. The card aids corporates to have better control over their expenses and also to manage the same efficiently. It offers many tools like Spend Category Control, Spend Analysis, and Smarter Expense Management. Following are the features of the card:

• Lifetime free credit card.
• Smarter Expense Management.
• Spend analysis for controlling expenses better with Visa Intellilink

The SBI Corporate Utility Credit Card is a very basic card offered for corporates to help them to pay their utility bills effectively. The card provides the corporates the ability to pay bills in a very simple and quick manner. The card offers customized MIS & Analytics capability and Multi-layer Spend controls. Also, a complimentary Fidelity Guarantee Insurance cover is also provided with the card. Following are the features of the card:

• Pay utility bills in a simple, fast and secure way,
• multi-layer Spend controls.
• Customized MIS & Analytics capability

The Axis Bank MY Business Credit Card is a reward-based card offered for businesses to earn more out of the usual business transactions. You also get complimentary airport lounge access and a fuel surcharge waiver. Also, the card offers an Easy EMI option to convert every transaction into EMI. Following are the features of the card:

• 4 Reward Points for every Rs. 200 spent.
• Double reward points in your birthday month.
• Complimentary Airport Lounges within India.
• 1% Fuel Surcharge Waiver on all fuel transactions.

The BOBCARD Corporate Credit Card is highly beneficial for both corporations and their employees. The card provides reward points on every transaction and offers complimentary airport lounge access. The following are the features of the card:

• 1 Reward Point for every ₹100 spent..
• 8 complimentary airport lounge access annually.
• Insurance protection for air accident death and non-air accident death.

HDFC Purchase Premium Credit Card is one of the Corporate Credit Cards issued by HDFC. With HDFC Bank Purchase Premium Credit Card you can earn 5% cashback (up to Rs. 1500 per statement cycle on a minimum monthly spend of Rs. 50,000). 4 reward points for every Rs. 150 spent and much more. There are many other added benefits such as up to 50 days of credit period on the Purchase Premium Credit Card.

• 5% cashback on your monthly spending
• 4 reward points for every Rs. 150 spent
• Reward redemption rate is 1 RP = 0.20 paisa
• 2.5% forex markup fee
• 1% fuel surcharge waiver of up to Rs. 500
• 50 days of credit period on the card

The HDFC Business Moneyback Credit Card offered by the HDFC bank is very beneficial to earn great reward points on every business transaction. As the name suggests, the card offers the cardholders the opportunity to get reward points in return of the transactions performed. The card offers tons of points for every spend on online purchase, fuel and offers cashbacks on telecom, utility payments, tax payments and much more as well. The cardholder can redeem accumulated Reward Points for Cashbacks, for gifts, reward catalogue and even for airmiles. The card also offers great dining benefits like 20% off on dining bills through DineoutPAY, fuel surcharge waiver, great milestone benefits and spend based waiver opportunities.
Some of the key features of the Business Moneyback credit card are as follows:

• 4 Reward Points on Rs. 150 spent online.
• 2 Reward Points on Rs. 150 spent on all other transactions.
• 5X Reward Points on Fuel transactions.
• 1% fuel surcharge waiver.

HDFC Purchase Credit Card has been designed to help corporates to streamline the purchase process and to increase the efficiency as well. The cards help to keep a better control over the business expenses. HDFC Purchase Credit Card helps the corporates in managing all the direct expenses of the company which can be centrally accounted. The features of the purchase card are:

• Better control on expenses.
• Control over the transactions and vendor categories.
• Fuel Surcharge of 1% to 2.5%.

The YES BANK RazorpayX Purchase Credit Card is a cost-effective option for businesses, with no joining or annual fees. It offers the benefit of having your company name printed on the card, boosting your brand visibility. Cardholders benefit from up to 50 days of interest-free credit. There’s a low foreign exchange markup fee of 1% for international transactions. The card offers unique advantages, including significant discounts on software products, and provides a dedicated support desk for any inquiries. This card is designed to support business growth while keeping costs low.

The RBL Bank RazorpayX Corporate Purchase Card is a co-branded credit card, perfect for businesses looking to make expense management easy. With no joining or annual fees, it offers up to 50 days of interest-free credit on purchases. You can also enjoy a low 2.5% foreign currency markup fee for international transactions. It also has a great fraud protection feature, covering unauthorized charges up to ₹10 lakh.

The Kotak BizEdge Credit Card is a great option for self-employed individuals and businessmen, helping them manage their expenses. It comes with a joining fee of ₹999 + GST. The card offers 5X reward points on business essentials spend, flights, and hotel bookings. The Kotak BizEdge Credit Card is an excellent choice for business owners who want to earn rewards while making business transactions.

The Paytm HDFC Bank Select Business Credit Card is a Co-Branded Credit card in partnership with Paytm. The card offers wide range of cashbacks on every business transaction done on Paytm. The card has been exclusively designed for the businesses, where most of the payments are done through the Paytm App. Cardholders can enjoy tons of cashbacks with the Paytm HDFC Bank Select Business Credit Card for every other transaction on the Paytm. Along with that, the card offers complimentary airport lounge access to make business travels luxurious.

The card also covers insurance benefits like personal death cover and permanent disability covers as well, along with the Zero Liability protection on the card. Also, the Paytm First Membership is offered as a welcome gift with the card, along with several travel benefits and much more like:

• 5% Cashbacks in Paytm mall
• 3% Cashbacks on travel and monthly bill payments through Paytm and 1% cashback on other spends.
• 12 Complimentary Domestic Lounge access.
• 1% Fuel surcharge waiver.

The Paytm HDFC Bank Business Credit Card is Co-branded card similar to The Paytm HDFC Bank Select Business Credit Card but with lower fees. The Card offers great cashbacks on every spend made on the Paytm App. The card also provides complimentary Paytm first membership for better rewards and offers. Also, the cash advance fees are revered for the 1 withdrawal in a calendar month. With Paytm HDFC Bank Business Credit Card you enjoy great milestone benefits additional gift vouchers and also the benefit of waiving the Joining as well as the renewal fees. The card also comes with Zero liability protection which covers any fraudulent activity done on the card once you report the same to the bank. Following are the features of the Paytm business card:

• 3% Cashbacks in Paytm mall
• 3% Cashbacks on monthly bill payments through Paytm and 1% cashback on other spends.
• 1% Fuel surcharge waiver.
• Gift Voucher worth Rs. 250 as an activation benefit.
• Spend based Fees waiver and great Milestone benefits.

IndusInd Bank Contactless Corporate Credit Card offers a new way of handling the financials and monitoring and controlling employee expenses. The card is very basic as it does not offer any reward point or cashback on the transaction. However, it does offer complimentary domestic lounge access. Following are the features of the card:

• 2 complimentary lounge visits per quarter with the Visa Lounge program
• Insurance covers for the employees.
• 1% Fuel surcharge waiver.

The Fed StarBiz Credit Card is designed for business owners who need help managing daily expenses. With a daily spending limit of ₹3 lakhs, it links directly to your overdraft or cash credit account, making it easier to track expenses. There’s an annual fee of ₹275 plus taxes, and the card is widely accepted at millions of merchants. However, it doesn’t offer rewards, welcome benefits, or lounge access, focusing instead on financial management.

The PM SVANidhi BOBCARD is a lifetime free credit card for street vendors under the PM SVANidhi scheme. It comes with no joining or annual fee and offers a starting credit limit of ₹10,000. Vendors earn 1 reward point per ₹100 spent, which can be redeemed as cashback. It helps vendors pay for stock, bills, and daily business expenses while building a credit history. However, the card is only for SVANidhi loan repaid vendors and does not allow cash withdrawal.