9 Best Business Credit Cards In India For Regular Spends

Best Business Credit Cards

Business credit cards are no less than a luxury for employees. How? It is all about a cycle where it allows you to spend up to a certain amount of money, then, pay back some or all of what you spent, and then spend again up to that limit. It helps you buy things when you need more money at a time.

Best Business Credit Cards

So, let’s discuss the 9 best business credit cards in India that you can use for both personal and business expenses.

List of 9 Best Business Credit Cards in India

First of all, let’s have a brief look at the best business credit cards in India for regular spending-

Business Credit Card NameJoining FeeRenewal FeeWelcome BenefitsRewards for Business Expenses
YES FIRST Business   Rs.999 + GST
Rs.999 + GST

Rs.20,000 reward points on first transaction done within 30 days of card issuance
8 Reward Points for every Rs.200 in all categories; 6 complimentary international lounges annually, 1.75% foreign currency markup fee 
HDFC Bank BizPower
Rs.2,500 + GST
Rs.2,500 + GST

Amazon Prime Annual and Biz Prime (6 Months) Membership
4 Reward Points on every Rs.150 spent on business needs: Interest-free Credit Period (55 days)
HDFC Business Regalia Credit Card

Rs.2,500 + GST
Rs.2,500 + GST
In the first year, 5% CashBack of up to Rs.500 on business essential spending (utilities, telecom, tax).4 reward points for every Rs.150 spent; 5x reward points on online shopping, hotel, and flight bookings.
SBI Signature Corporate Card
Rs.0.00
Rs.499 + GST
N/A
2.5% surcharge waiver; avail of a max. Of Rs.250 per month
IDFC First Bank Business Credit Card
Rs.499 + GST
Rs.999 + GST
N/A
10x reward points on spends over Rs.20k; 25% discount on movie tickets per month, accident cover of Rs.2 lakh, 1x reward point on paying insurance and utility bills
ICICI Bank Business Advantage Black 
Rs.1,500 + GST
Rs.0.00 (1st year);Rs.1,500 + GST (2nd year onwards)
N/A
1 Reward point = Rs.0.25; Cashback on recurring business expenses (air travel to professional service payments).
Axis Bank Executive Corporate 
Rs.3,500 + GST
Rs.3,500 + GST
N/A
3 Complimentary VIP assistance services per year; Book 4 complimentary golf rounds/lessons; access to 1,100 airport lounges
IndusInd Bank Vriddi Business Card
Rs.10,000 + GST

Rs.4,999 + GST

Vouchers worth Rs.10,000

2 Reward Points for every Rs.100 spent; 4 Reward points for every international transaction of Rs.100; 1000 Reward Points on 6 utility bill payments; Early payment benefit of 100 Reward points.
HDFC Bank BizBlack Metal Edition
INR 10,000 + GST
Rs.10,000 + GST

Club Marriott Membership and Taj Vouchers Worth Rs. 5,000
5 Reward Points on every Rs.150 spent on business needs: Interest-free Credit Period (55 days)
List of 9 Best Business Credit Cards in India

Now, let’s dive into the details of these best business credit cards in India!

1. YES FIRST Business  Credit Card

Yes First Business Credit Card

  • Begin your journey with a delightful welcome gift of 20,000 reward points upon your first transaction within 30 days of receiving the card.
  • When you renew your card, another 15,000 reward points await you.
  • Enjoy the luxury of 6 free international airport lounge visits annually through Priority Pass Membership, and treat yourself to 2 complimentary domestic lounge visits every quarter as a primary cardholder.
  • For added peace of mind, benefit from a generous Rs.1 crore air accidental insurance cover.
  • Sign up on YES PayNow platform and receive an additional 1,000 reward points.
  • Earn 4 reward points for every Rs.200 spent on miscellaneous purchases, and elevate your dining and online experiences with 8 reward points for every Rs.200 spent in those categories.
  • Experience the convenience of a minimal foreign currency markup at just 1.75%.
  • Indulge in complimentary golf lessons at select Indian golf courses, accompanied by waived green fees.
  • Manage your finances effectively with a competitive interest rate of 3.50% per month on revolving credit.
  • Your reward points retain their value indefinitely, ensuring you never miss out on the benefits.
  • Reach for the stars with an additional 20,000 reward points if your annual spending exceeds Rs.12 lakh.
  • Unlock a world of possibilities by redeeming your reward points for flights, hotel stays, or office supplies, each point valued at Re.0.25 in cash.
  • Say goodbye to fuel surcharges with a waiver on fuel purchases ranging from Rs.400 to Rs.5,000.

2. HDFC Bank BizPower

HDFC Business Credit Cards
  • Enjoy a generous interest-free credit period of up to 55 days to manage your business expenses efficiently.
  • Earn 4 Reward Points for every Rs.150 spent, with each point valued at up to Rs. 0.50, helping you save more for your business.
  • Unlock even more savings with 5X Reward Points on select business spends, including bill payments, tax payments, hotel and flight bookings, and more, with a minimum spend of Rs. 25,000 per statement cycle.
  • Earn a maximum of 5,000 Reward Points per statement cycle to maximize your rewards.
  • Additional benefits include hassle-free GST and income tax payments, exclusive discounts on business travel and software purchases, and complimentary airport lounge access both domestically and internationally.
  • Welcome benefits include Amazon Prime Annual Membership and Biz Prime 6-month subscription with just one online transaction within the first 30 days of card issuance.
  • Reach quarterly spending milestones and receive a gift voucher worth Rs. 2500 for MakeMyTrip or Reliance Digital.
  • Renewal fee waived off if you spend Rs.4 Lakhs or more in the previous year.
  • Enjoy dining benefits with up to 20% savings on restaurant bills through Swiggy Dineout and earn up to 10X Reward Points on Flipkart, MakeMyTrip, and Apple Imagine Tresor purchases with SmartBuy.
  • Take advantage of SmartPay for automatic bill payments and Smart EMI options for converting big spends into easy EMIs.
  • Benefit from zero lost card liability and credit liability cover of Rs. 9 lakh.
  • Secure your business with a specially curated Business Insurance package starting at an annual premium of Rs.3,785, covering fire & burglary insurance, cash in transit, electronic equipment insurance, and hospital cash benefits for accidents and illnesses.

3. HDFC Business Regalia Credit Card

HDFC Regalia

  • The HDFC Regalia Credit Card is designed to elevate your business experience with its unique features.
  • Earn 4 Reward Points on every Rs.150 spent on retail purchases, excluding wallet, EMI, and petrol transactions.
  • Enjoy up to 50 days of interest-free credit period when you make vendor/supplier bill payments and GST payments using the HDFC Bank Business Regalia Credit Card.
  • Receive a bonus of 10,000 Reward Points on spending Rs.5 lakhs and an additional 5,000 Reward Points on spending Rs.8 lakhs in an anniversary year.
  • Redeem your reward points against your statement balance, offering you more flexibility.
  • Benefit from 12 complimentary airport lounge accesses within India and 6 outside India, making your travels more comfortable.
  • Avail up to 5% monthly cashback on essential business spends like electricity bills, telephone & internet bills, and government & tax payments, with a maximum cashback of Rs.500 per statement in the first year.
  • Simplify your tax payments through the HDFC Bank Business Credit Card and enjoy convenient and instant payments.
  • Access the SmartHub app to make vendor and distributor payments seamlessly, with up to 50-day credit period for payments made via the Business Credit Card.
  • Take advantage of pre-approved instant loans and cash withdrawal facilities on your Business Credit Card.
  • Convert your significant spending into EMI after purchase and explore easy EMI options for bulk purchases of interiors, furniture, electronics, ACs, and more for your business needs.
  • Enjoy additional features like utility bill payments, zero lost card liability, revolving credit, low foreign currency markup, fuel surcharge waiver, dining benefits, milestone benefits, renewal offers, Smart EMI options, comprehensive insurance coverage, contactless payment, and card control settings.

4. SBI Signature Corporate Card

SBI Signature Corporate Card

  • Enjoy priority servicing with the SBI Signature Corporate Card, ensuring efficient handling of your financial needs.
  • Benefit from a complimentary Priority Pass Membership, granting access to over 600 international airport lounges worldwide.
  • Employees receive up to Rs.1 crore in travel insurance coverage, providing peace of mind during their travels.
  • Concierge services are available with a credit card, offering assistance with various tasks and reservations.
  • Complimentary insurance cover is provided against employee fraud, safeguarding against potential financial losses.
  • Multilayer spend control and spend analysis features are offered, allowing businesses to monitor and manage expenses effectively.
  • Global Acceptance: Accepted at over 38 million outlets worldwide, including 3 million in India.
  • Insurance Benefits: Coverage for fraud, accidental death, lost card liability, baggage loss, baggage delay, passport loss, and flight delay.
  • Spend Control Benefits: Multilayer spend control options including Category Control and Limit Control, enabling restriction of non-permitted merchants and setting entitlement limits.
  • Emergency Card Replacement and Cash Disbursement Benefits: Access emergency cash within 24 hours and replace cards worldwide within 72 hours at no delivery cost.
  • Travel Benefits: Complimentary Priority Pass Program membership for access to international airport lounges and Visa Lounge Access Program for domestic lounges.
  • Eligibility Criteria: Determined by employer or firm, with considerations including age (above 15 for add-on applicants and 18-70 for primary applicants), citizenship, annual income, credit score, and credit report.

5. IDFC First Bank Business Credit Card

IDFC First Bank Business Credit Card

  • Credit Card Overview: The IDFC FIRST Bank Business Credit Card is tailored for small and medium-sized businesses, offering reward points and benefits on business expenses.
  • Reward Points: Earn up to 10X Reward Points on business spending and 2X Reward Points on restaurant, rental, and utility spending.
  • Fees: Joining fee of Rs.499 + GST and renewal fee of Rs.999 + GST.
  • Best Suited for: Ideal for business expenses
  • Reward type: Reward Points
  • Welcome Benefits: No specific welcome benefits 
  • Movie & Dining:  Accelerated Reward Points on Dining.
  • Rewards Rate: Earn 10X RPs on Business and 2X RPs on Restaurant Spends.
  • Reward Redemption: 1 Reward Point means Rs.0.25
  • Domestic Lounge Access: 2 complimentary domestic airport lounge accesses each quarter.
  • Insurance Benefits: Personal and Travel Insurance up to ₹10 Lakh, Zero Liability Protection.
  • Foreign Currency Markup: 1.99%
  • Interest Rates: Starting at 1.5% per month
  • Fuel Surcharge: Waiver up to Rs.500 for each statement cycle
  • Pros: Helpful for small and medium businesses, Reward Points are valid for a lifetime.
  • Cons: High annual charges from the second year onwards.
  • Accelerated Reward Points: Earn 10X Reward Points on Forex/International transactions, 4X Rewards on business utility and digital advertising, and 2X Reward Points on restaurants/dining, rentals, and utility.
  • Reward Point Redemption: 1 Reward point per ₹100 spent, with the value of 1 Reward point equal to ₹0.25 and no expiry for reward points.
  • Milestone Benefits: Earn extra reward points on achieving annual milestone spending.
  • Low Forex Charges: Enjoy a low forex charge of 1.99% along with accelerated reward points on international spends.
  • Free Airport Lounge Access: Get two complimentary airport lounge accesses (domestic and international) with a minimum monthly spend of ₹20,000.
  • Insurance Benefits: Includes free Road Side Assistance (RSA) worth ₹1499 and personal/travel insurance cover of up to ₹10 lakh.
  • Bottom Line: IDFC First Bank Business Credit Card offers premium benefits at a low joining fee, allowing businesses to save on expenditures while earning reward points on business spending.

6. ICICI Bank Business Advantage Black 

ICICI Bank Business Advantage Black_

  • Designed for businesses, this card offers various benefits to drive business growth and efficiently manage expenses.
  • Travel Benefits: Enjoy complimentary access to Airport Lounges in India with 2 complimentary visits per quarter at select lounges.
  • Dining Benefits: Avail a minimum discount of 15% on dining bills at over 2500+ restaurants across 11 cities through the ICICI Bank Culinary Treats program.
  • Insurance Benefits: Offers personal air and non-air death cover, medical expenses coverage, and more. Covers like personal accidental death (Air and Non-air) and medical expenses are provided.
  • Concierge Services: Access 24×7 concierge services for various needs including restaurant referrals, car rentals, and medical concierge privileges.
  • Fuel Surcharge Waiver: Enjoy a fuel surcharge waiver of up to 1% on transaction value at HPCL petrol pumps (capped at Rs.500 per month).
  • Joining/Renewal Fee Waiver: First-year fee waived off if eligible spends exceed Rs.75,000 within 60 days of card setup. Renewal fee waived off if eligible spends exceed Rs.7,50,000 in an anniversary year.
  • Zero Liability Protection: Protects against loss or theft with zero liability for fraudulent transactions if reported within the stipulated time.
  • Cashback Benefits:  Earn cashback based on spending, with up to 1% cashback on all eligible domestic and international spends.
  • Fees & Charges:  Joining fee of Rs.1,500 and annual fee of Rs.1,000 (plus applicable taxes) from the 2nd year onwards. The interest rate of 3.00% per month and the forex markup fee of 3.5% on foreign currency transactions.
  • Eligibility Criteria: Applicant must be above 21 years old, own a business with a stable income, and have a satisfactory credit score.
  • How to Apply: Apply online through the ICICI Bank website or visit the nearest branch with the required documents to fill out the application form.
  • Documents Required: Identity proof (Aadhar Card, Voter’s ID, PAN Card, Passport, or Driving License), address proof (utility bills, Aadhar Card, Passport), and business-related documents like audited ITR and business registration certificate.

7. Axis Bank Executive Corporate Credit Card

Axis Bank Executive Corporate Credit Card

  • Airport Concierge: Avail 3 complimentary VIP assistance services per calendar year, enhancing your airport experience with personalized services.
  • Golf Program: Executive cardholders can enjoy booking up to 4 complimentary golf rounds or lessons annually, adding leisure to their corporate lifestyle.
  • International Lounge Access: Access over 1,100 airport lounges worldwide with complimentary access for you and your accompanying guests, ensuring comfort and convenience during international travels.
  • Domestic Lounge Access: Enjoy up to 4 complimentary lounge visits per quarter at domestic airports in India, providing relaxation and comfort during domestic travels.
  • Contactless Technology: Benefit from contactless payments for fast, convenient, and secure transactions at all outlets. However, you must note that In India, contactless payments are allowed up to Rs. 5000 without entering the PIN for added security.
  • Tokenization: Seamlessly use mobile wallets like Google Pay, Samsung Pay & Jio Pay for secure transactions and instant notifications. Load your Credit Card on these platforms for hassle-free payments at all outlets.
  • Insurance Coverage: Stay protected during travels with comprehensive insurance covers for both travel and medical emergencies, ensuring a stress-free travel experience.

8. IndusInd Bank Vriddi Business Card

IndusInd Bank Vriddi Business Card

  • Welcome Benefits: Receive vouchers worth Rs. 10,000 from popular brands like Pantaloons, Bata, Raymond, and more. Contact the bank within 120 days of paying the joining fees to claim the vouchers, valid for six months.
  • Joining Fee Waiver: Enjoy a waiver of the joining fee by spending Rs.4 lakh within 90 days of card issuance.
  • Annual Fee Waiver: The annual fee is waived upon spending Rs. 1 lakh or more in a card anniversary year.
  • Complimentary Lounge Access: Access three domestic lounges per quarter with a total of 12 visits annually with the Vriddhi Business Card.
  • Travel Insurance: Benefit from domestic and international coverage for medical expenses and accidental death while traveling.
  • Business Insurance:  Gain added safety with business insurance coverage including burglary and business stock protection.
  • Rewards Program: Earn 2 Reward Points on every Rs.100 spent, 4 Reward Points on international spends, and 1,000 Reward Points for six utility bill payments within the first six months. Also, receive 100 Reward Points for early credit card bill payments. Redeem Reward Points at IndusMoments.
  • How to Apply: Apply online by clicking on the Apply Now button, filling in your details on the IndusInd Bank’s website, and submitting the application. Await approval notification from the bank.
  • Review: The Vriddhi Business Card offers rewarding benefits for business-related expenses, including fee waivers, lounge access, and insurance coverage. While the joining fee is relatively high, the perks make it a compelling choice for business users. Consider your spending patterns to align benefits with financial goals.

9. HDFC Bank BizBlack Metal Edition

HDFC Bank BizBlack Metal Edition

  • Manage your Card on the go: Access and manage your HDFC Bank Biz Black Credit Card 24/7 through the HDFC Bank MyCards platform for online & contactless usage, transaction monitoring, statement viewing, limit setting, and more.
  • Get Started with Your Card: Set PIN, manage your card online through MyCards platform, and make contactless payments for transactions up to ₹5000 without entering your Credit Card PIN for security reasons.
  • Interest-Free Credit Period: Benefit from up to 55 days of interest-free credit period on your HDFC Bank BizBlack Metal Edition card.
  • Reward Points: Earn 5 Reward Points for every Rs. 150 spent on your business needs, where 1 Reward Point equals up to Rs.1.
  • Maximize Business Savings: Enjoy 5X Reward Points on select business spends such as bill payments via Payzapp & SmartPay, income tax/advance tax payment, GST payment, hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals, and business productivity tools via SmartBuy BizDeals – Nuclei. 
  • Additional Business Benefits: Make GST and income tax payments using your Business Credit Card, and avail of up to 40% savings on business travel and software purchases through SmartBuy BizDeals. 
  • Lounge Benefits: Access unlimited airport lounges globally for primary and add-on card members, with eligibility based on active cardholder status.
  • Golf Games Benefit: Enjoy complimentary golf games (6 per quarter) across premium courses worldwide and 24×7 booking assistance.
  • Welcome Benefit: Receive Club Marriott Annual Membership + Taj Stay voucher worth Rs.5000 on spending Rs.1.5 lakhs within the first 90 days.
  • Milestone Benefit: Earn a SmartBuy Flight/Taj Stay Voucher worth Rs. 5000 on every Rs.5 Lakhs spends, with the opportunity to earn vouchers worth Rs.20,000 in a calendar year.
  • Renewal Offer: Renewal fee waived if you spend Rs. 7.5 Lakhs and more in the previous year.
  • Concierge Services: Access 24×7 Global Personal Concierge services for golf booking, itinerary planning, private dining assistance, airport VIP service, and more.
  • Additional Features: Enjoy exclusive benefits such as fast-track airport experience, dining discounts, business productivity tool offers, and up to 10% savings on restaurant bill payments with Swiggy Dineout. 
  • Reward Point/Cashback Redemption & Validity: Redeem Reward Points for cashback, SmartBuy bookings, product catalog, air miles, and business catalog, with a minimum redemption requirement of 2500 RP. Unredeemed points expire after 3 years of accumulation

By the way, have you used any of the best business credit cards mentioned above? If yes, then don’t forget to share your experience in the comments section!

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Published By: Supti Nandi
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Manav Dahiya
Manav Dahiya
1 month ago

Have been used HDFC credit cards from a long time now, and I must tell you there rewards are pretty amazing!