Best ICICI Business Credit Cards
- Updated On: 3 January, 2026
ICICI is a trustworthy name when it comes to credit cards. Along with personal credit cards, it also has business credit cards to help its customers run their businesses smoothly. Currently, there are three ICICI credit cards for business. Each one of them has been designed as an essential financial tool for its users, and the cards come with additional benefits for easy travel and a reward structure to help users earn points on their spendings. In the world that we are in, we cannot underestimate the power of holding the right credit card, that little plastic tool is way more powerful than it ever was.
We suggest our readers explore all the possible options for business credit cards from all the banks, for that matter, and choose the one that fits them best. At the end of the day, it is their business, and it is their call.
Table of Contents
Top ICICI Business Cards
- Joining Fee₹2,500 + GST
- Annual FeeNil
- Best Suited ForTravel | Business Expenses
- Rewards TypeReward Points
Rewards Rate
1.25 myBiz Cash/₹200 on Domestic Spends and 1.5 myBiz Cash/₹200 International Spends
Welcome Benefits
2500 myBiz Cash
Card Details +
MyBiz ICICI Business + credit card is designed for businesses that require travel. The card has a joining fee of ₹2,500 and no renewal from the second year onwards. Cardholders can avail amazing travel related perks like flat ₹750 off for 7 transactions on domestic or international flight bookings when booking a flight of ₹10,000 or more, and ₹1500 off for 7 transactions on hotel bookings on minimum booking value of ₹7,000. The card has a decent reward rate and awards 1.25 myBiz cash on ₹200 domestic spends, 1.5 myBiz cash on ₹200 international spends, 2 myBiz cash on ₹200 spent on flight bookings using myBiz app or the website and 4 myBiz cash on ₹200 spent on hotel bookings using myBiz app or the website. MyBiz cash can be used on the myBiz app or the website only, and 1 myBiz Cash is equivalent to ₹1.
- Joining Fee₹1,500 + GST
- Annual Fee₹1,000 + GST
- Best Suited ForTravel | Shopping | Business Expenses
- Rewards TypeReward Points
Rewards Rate
Cashback every month up to 1% on every eligible spends.
Welcome Benefits
NA
Card Details +
The ICICI Bank Business Advantage Black Card has an affordable joining fee of ₹1,500 and ₹ an annual fee of 1,000. Cardholders earn cashback of 1% on eligible monthly spends. The card comes with other lifestyle perks like complementary domestic airport lounge access twice a quarter, 15% off on the dining bill at over 2500+ restaurants spread across 11 cities with the ICICI Bank Culinary Treats program. The joining fee on the card can be waived off on spends of ₹75,000 within 60 days of card setup and the annual fee is waived off if spends are greater than ₹7,50,000 in an anniversary year.
- Joining Fee₹500 + GST
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
1 myBiz cash for every ₹200 domestic spends; 1.25 myBiz cash for every ₹200 international spends; 2 myBiz cash for every ₹200 spent on flight bookings; 3 myBiz cash for every ₹200 spent on hotel bookings
Welcome Benefits
Bonus 500 myBiz cash
Card Details +
The myBiz ICICI Bank Business Credit Card features a reasonable joining fee of ₹500, which is offset by the welcome bonus of ₹500 in myBiz cash. Card users receive ₹750 off each of the first five transactions for domestic or international flight bookings of ₹10,000 or more and ₹1,000 off each of the first five transactions for hotel bookings of ₹5,000 or more. Customers are eligible to earn 1 myBiz cash on ₹200 domestic spends and 1.25 myBiz cash on ₹200 international spends. 1 myBiz Cash = ₹1 and can be redeemed on myBiz app or website only. The card also comes with other lifestyle perks.
Which ICICI Credit Card is Right For Your Business?
The three business credit cards from ICICI are quite efficient in terms of joining and renewal fee, offer a decent reward rate, and come with amazing lifestyle benefits.
The myBiz Business Credit Card is an entry-level offering from the bank, with the joining fee as low as ₹500 and no renewal fee thereafter. Small enterprises looking for a credit card with a decent reward structure, travel privileges like discounted flight and hotel bookings, airport lounge access, and a great welcome bonus of 500 myBiz cash. Users earn 2 myBiz cash for every ₹200 spent on flight bookings and 3 myBiz cash for every ₹200 spent on hotel bookings.
The myBiz ICICI Bank Business+ Credit Card is the premium version of the myBiz Business Credit Card. It comes with a significantly higher joining fee of ₹2,500 but similar to the basic version, it also has no renewal fee. The card offers a great discount on flight and hotel bookings. It has an amazing reward structure, where users earn 1.25 myBiz cash on ₹200 domestic spends, 1.5 myBiz cash on ₹200 international spends, 2 myBiz cash on ₹200 spent on flight bookings on myBiz app and website, 4 myBiz cash on ₹200 spent on hotel bookings using myBiz app and website.
The ICICI Bank Business Advantage Black Card fits somewhere between the two cards, with a joining fee of ₹1,500, with an average reward system of 1% cashback on eligible monthly spends, so the more you spend as a customer, the more cashback you earn. The trait that sets the card apart from the other two is the dining benefit of 15% off on your dining bill at over 2500+ restaurants through ICICI Bank Culinary Treats Programme. The card also offers great deals on product subscriptions like DocuSign, Evernote, Awfis, Amazon Web Services, and Airtel business plans, and so is beneficial for Small and Medium Enterprises (SMEs).
General Overview
Here is a general comparison of all the three cards for better understanding of the users.
| Particulars | myBiz Business Credit Card | myBiz ICICI Bank Business+ Credit Card | ICICI Bank Business Advantage Black Card |
| Joining Fee | ₹500 + GST | ₹2,500 + GST | ₹1,500 + GST |
| Renewal Fee | Nil | Nil | ₹1,000 + GST |
| Reward Earning Rate |
|
|
Cashback Every Month Up to 1% on Every Eligible Spend. |
| Domestic Airport Lounge Access | 1 Complimentary Lounge Access Every Quarter | 2 Complimentary Lounge Access Every Quarter | 2 Complimentary Lounge Access Every Quarter |
| International Airport Lounge Access | N/A | 1 Complimentary Lounge Access Every Year | N/A |
Bottom Line
The three ICICI cards are designed to meet the needs of businesses in the Indian market. They have an affordable joining and renewal fee, an excellent reward structure, special discount offers on travel expenses, and complimentary access to domestic and international lounges. Having the right credit card may be the ultimate solution to running your business effectively and efficiently. There are business credit cards from other banks like HDFC, and American Express, allowing business owners and entrepreneurs to find their best card for all their needs, be it a newly launched startup. This ongoing business requires credit cards with unsecured limits.
FAQs:
Is there a renewal fee for myBiz ICICI Bank Business+ Credit Card?
No, there isn’t any renewal fee for myBiz ICICI Bank Business+ Credit Card.
Are there any golf benefits with any of the ICICI Business Credit Cards?
No, none of the ICICI business credit cards come with any golf related perks.
Is there a spend-based fee waiver?
While there may not be a spend-based fee waiver for the myBiz ICICI Bank Business Credit Card or myBiz ICICI Bank Business+ Credit Card, there certainly is a fee waiver for the ICICI Bank Business Advantage Black Card. The joining fee will be waived if eligible spends are greater than ₹75,000 within 60 days of card setup, and the renewal fee will be waived if eligible spends are greater than ₹7,50,000 in an anniversary year.