Business debit cards help companies manage their money. They provide an easy way to control spending and simplify payments for different business needs. Unlike personal debit cards, these cards have features designed for businesses and offer higher spending limits and extra rewards.
ICICI Bank offers various business debit cards to meet different business needs. These cards not only serve a practical purpose but also provide helpful benefits that can improve a business’s finances. From the Sapphiro to the Expressions card, each variant offers unique perks, making it easy for businesses to choose the most suitable option for their needs.
Business debit cards are useful for small to medium-sized businesses, startups, and larger companies. They help you track expenses, manage cash flow, and earn rewards on purchases. ICICI Bank’s business debit cards offer features like contactless payments, discounts, and access to airport lounges. These cards aim to support business owners. Whether you travel for work often or need to handle daily expenses, these cards provide the assistance that every business needs.
Sapphiro Business Debit Card
The ICICI Bank Sapphiro Business Debit Card offers benefits for Current Account customers, featuring a built-in concierge service, card protection plan, and roadside assistance. It enables contactless payments, which can be activated through the iMobile app or Retail Internet Banking. The card comes with a joining fee of ₹1,999 plus taxes.
Cardholders enjoy a 25% discount on movie tickets purchased from BookMyShow and INOX Movies. Users can access airport lounges up to four times per quarter, provided they’ve spent ₹5,000 in the previous quarter. There is also zero surcharge on fuel transactions at selected government petrol outlets. For every ₹200 spent, you earn 4 Reward Points on domestic transactions and 8 points on international transactions. The daily withdrawal limits are ₹1.5 lakh for ATMs and ₹7.5 lakh for retail purchases domestically, increasing to ₹2.5 lakh and ₹3 lakh internationally.
Coral Business Debit Card
The Coral Business Debit Card by ICICI Bank is designed to meet both personal and business needs. Inspired by the bright coral gemstone, it represents strength and value and offers users unique features and benefits. There’s a joining fee of ₹599 plus taxes, along with an annual fee of the same amount starting from the second year.
As for benefits, cardholders can enjoy a discount of 25% on movie tickets from platforms like BookMyShow and INOX Movies. The card offers complimentary access to airport lounges twice every quarter on a minimum spend of ₹3,000 in the previous quarter. Another advantage is the earning potential, where users can accumulate ICICI Bank Reward Points on every transaction, 2 points for domestic and 4 points for international purchases. The card also provides high withdrawal and transaction limits, making it a suitable choice for active users.
Titanium Business Debit Card
The Titanium Business Debit Card from ICICI Bank offers a variety of benefits for business needs. It enables cashless transactions, allowing users to enjoy offers on travel, accommodation, and other business-related purchases both domestically and internationally. The card has a joining fee of ₹99 plus taxes in Gramin areas and ₹150 plus taxes in other areas.
For those who frequently withdraw cash, this card offers a daily cash withdrawal limit of ₹1 lakh within India and ₹2 lakh internationally. Users can also spend up to ₹5 lakh at retail outlets and online sites in India, and ₹2.5 lakh abroad. Cardholders can also earn rewards, accumulating 1 ICICI Bank Reward Point for every ₹200 spent at merchant outlets in India, online, and internationally. This card also offers Zero Liability Protection, which safeguards cardholders against unauthorized purchases in case of loss or theft, as long as the loss is reported within 15 days. Users won’t pay extra for fuel if you use ICICI Bank swipe machines at certain government fuel outlets.
Expressions Business Debit Card
The ICICI Bank Expressions Business Debit Card allows you to personalize your debit card with images of your choice, like family photos or personal designs, giving it a unique touch. This card offers impressive daily spending limits, allowing cash withdrawals of up to ₹1.5 lakh domestically and ₹1 lakh internationally. You can make purchases of up to ₹5 lakh at retail outlets and online, with a cap of 50 transactions per day. With this card, users earn ICICI Bank Reward Points on their transactions, where they will accumulate 2 points for domestic and 4 points for international purchases.
Users receive a ₹1,000 Kaya Gift Voucher for services at Kaya Skin Clinics, along with an additional ₹500 for a free dermatologist consultation. Fuel purchases at selected government petrol outlets incur no surcharge when using ICICI Bank’s swipe machines. You get two complimentary airport lounge accesses each quarter, provided you spend a minimum of ₹3,000 in the previous quarter. There’s also a ₹500 shopping voucher for Central stores on a minimum purchase of ₹2,500. Last but not least, this card also offers exclusive dining offers through the Culinary Treats program.
Expressions Coral Business Debit Card
The Expressions Coral Business Debit Card combines the unique features of an Expressions Business Debit Card with the exclusive benefits of a Coral Business Debit Card. This all-in-one card is designed to meet the needs of business owners. The card has an annual fee of ₹899 plus taxes. For every ₹200 spent, users earn 3 Reward Points on domestic transactions and 6 Reward Points for international transactions.
The card comes with high withdrawal and transaction limits. You can withdraw up to ₹1.5 lakh daily from ATMs and make purchases up to ₹7.5 lakh at retail shops and online. Cardholders can enjoy exciting discounts on movie tickets, receiving 25% off when buying a minimum of two tickets. This offer is available once a month for BookMyShow and twice a month at INOX Movies, with maximum discounts of ₹150 and ₹75.
The card also offers complimentary airport lounge access, which is available twice per quarter, provided you spend at least ₹10,000 in the previous quarter. Another benefit is a zero surcharge on fuel purchases at select government petrol outlets.
Conclusion
Using a business debit card can make managing your business finances easier. These cards provide higher spending limits and rewards that can help with various business needs. Whether you run a small startup, a medium-sized business, or a large company, a business debit card can help you manage expenses, track cash flow, and enjoy benefits like discounts and airport lounge access. They are especially useful for business owners who often make purchases, travel for work, or want to simplify payments. Getting a business debit card can help you manage your finances better and grow your business.