04 August 2026
Business credit cards are credit cards designed specifically for business requirements. These are ideal for small businesses, startups, and entrepreneurs who need a line of credit to pay for unexpected expenses or large purchases, without the need for immediate cash on hand.
Most business credit cards offer benefits that include rewards programs, sign-up bonuses, low interest rates, expense management tools, and flexible repayment terms. In this article, we have ranked the best business cards in India according to the benefits they offer.
The table below ranks business credit cards according to the benefits and rewards offered.
|
Sl. no. |
Business Credit Card |
Rewards and Benefits |
Annual Fees |
|---|---|---|---|
|
1. |
HDFC BizBlack Metal Edition Credit Card |
|
₹10,000 + GST |
|
2. |
HDFC BizPower Credit Card |
|
₹2,500 + GST |
|
3. |
Axis Bank Business Supreme Master Credit Card |
|
₹1,500 + GST |
|
4. |
ICICI Bank Business Advantage Black Card |
|
₹1,000 + GST |
|
5. |
HDFC Corporate Platinum Credit Card |
|
₹0 |
|
6. |
HDFC BizGrow Credit Card |
|
₹500 + GST |
|
7. |
YES FIRST Corporate Credit Card |
|
₹0 |
HDFC BizBlack Metal Edition Credit Card is for high-spending business owners, sole proprietors, and executives. This is an excellent business card for converting mandatory statutory payments (GST/Tax) and ad spends into travel rewards.
₹10,000 + GST (waived on annual spend of ₹7.5 Lakh)
Earn 5 reward points per ₹150 on base spends
5X reward points on bill payments via Payzapp, IT & GST payments, hotel and flight bookings, software purchases, etc.
Up to 40% savings on business travel and software purchases booked via HDFC SmartBuy.
Unlimited complimentary domestic and international airport lounge visits.
6 complimentary golf games per quarter at top courses worldwide, with 24x7 concierge booking assistance
10% savings on all your restaurant bill payments with Swiggy Dineout on paying via the Swiggy App using your card
Club Marriott annual membership, Taj stay voucher worth ₹5,000 on spending ₹1.5 Lakhs in the first 90 days.
HDFC BizPower Credit Card is suitable for mid-size businesses and growing SMEs. It offers value for businesses that need tax payment rewards without paying a heavy premium fee.
₹2,500 + GST (waived on spending ₹1.5 Lakh annually).
5 reward points per ₹200 on regular business expenses, with 5X accelerated rewards on GST, tax payments, bill payments, and online marketing (1 Reward Point = Up to ₹0.65)
Instant discounts on business software like Google Workspace, Tally Prime, AWS, Microsoft Azure & more via Nuclei
2 domestic lounge access on spends of ₹75,000 in the previous calendar quarter.
6 International lounge access via Priority Pass per year.
Up to 10X reward points on Apple Imagine Tresor, Myntra, MakeMyTrip, and hotel bookings on SmartBuy (capped at 4,000 reward points per month)
Save 10% on Dining Bills using Swiggy Dineout.
Axis Bank Business Supreme Master Credit Card is suitable for marketing agencies, e-commerce sellers, and digital media buyers. This card is advantageous for digital businesses that run high ad spend volumes on Google and Facebook.
₹1,500 + GST (waived on annual spends of ₹2.5 Lakh).
4 reward points on every ₹200 spent domestically.
6 reward points on your business spends on direct marketing and advertising services.
8 reward points on every ₹200 for all international spends
Easy Savings Specials program to get curated access to a suite of business solutions
4 complimentary domestic airport lounge visits per quarter.
10,000 bonus reward points on reaching ₹5 Lakhs in annual spends, plus an extra 5,000 reward points on spending more than ₹8 lakhs in your anniversary year.
Apply for High Limit Credit Cards upto ₹5 Lakh*
ICICI Bank Business Advantage Black Card suits small business owners who want flexible cashback-style value. It is simple and reliable for MSMEs looking for returns on daily business overheads.
₹1,000 + GST.
If the monthly spend is more than ₹25,000 and less than ₹75,000: Domestic Spends - Up to 0.5%, International Spends- Up to 1%
If the monthly spend is more than ₹75,000: Domestic Spends - Up to 1%, International Spends - Up to 1%
Get an additional cashback of 0.20% on your total amount due on making the payment through ICICI Bank Corporate Net Banking.
24/7 concierge service through the i-Assist team.
Personal air accident cover of up to ₹75 Lakh.
Complimentary access twice per quarter at select airport lounges.
HDFC Corporate Platinum Credit Card is best for large corporations issuing travel/expense cards to employees.
Lifetime Free (LTF) under corporate tie-ups.
3 reward points for every ₹150 spent (Maximum of 6,000 reward points per statement cycle).
Up to 40% savings on your business travel and software purchase.
4% off on flights and hotel bookings, along with discounted fares, free meals and seat selection, and more via MMT MyBiz
Instant discount on your Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more via Nuclei.
Only 3.5% foreign currency markup fee on all international transactions.
1% fuel surcharge waiver on fuel transactions between ₹400 and ₹ 5,000, across all petrol pumps.
2 complimentary domestic lounge visits per quarter.
HDFC BizGrow Credit Card is suitable for micro-enterprises, freelancers, and small merchants. It is an accessible entry-level business card for sole proprietors migrating off personal credit cards.
₹500 + GST (waived on annual spends of ₹50,000).
2 Cash Points on every ₹200 spent on your business needs.
10X Cash Points on bill payments, IT & GST payments, hotel and flight bookings, business productivity tools, etc.
Instant discount on your business software such as Google Workspace, Tally Prime, AWS, Microsoft Azure and more via Nuclei.
1% fuel surcharge waiver at all fuel stations across India.
2,000 Cash Points every quarter on quarterly spends of ₹1,00,000.
5% cashback on Myntra, MakeMyTrip, Apple Imagine Tresor, and SmartBuy (capped at ₹1,000 per month).
5% cashback on purchasing Instant vouchers of Amazon, Swiggy, Reliance Digital, etc., via SmartBuy.
Flat 10% extra off on dining bills via Swiggy Dineout.
YES FIRST Corporate Credit is a good fit for executive corporate travel and dining. It is a solid option for corporate executives handling client entertainment and frequent travel.
Lifetime Free (LTF) under corporate tie-ups.
6 reward points on every ₹200 spent across all categories except fuel.
1 golf lesson every calendar month and 4 additional sessions with green fee waiver at select golf courses in India.
Facility that offers a visible identity for the corporate by embossing its name in the fourth line of the cards.
360-degree view of all corporate and employee spends with 24X7 online MIS tool.
3 complimentary domestic lounge visits per quarter.
The terms business credit cards and corporate credit cards are often used interchangeably, but are designed for completely different types of organizations. Each carries distinct financial liabilities and requires vastly different approval processes.
Here are the key differences between business credit cards and corporate credit cards:
|
Business Credit Cards |
Corporate Credit Cards |
|---|---|
|
Suitable for freelancers, sole proprietors, startups, and small-to-medium businesses (SMEs). |
Suitable for mid-to-large enterprises, venture-backed tech startups, and multinational corporations. |
|
The business owner's personal credit history is tied to the card. If the business fails to pay, the owner is personally responsible. |
The corporate entity assumes all financial responsibility. Individual employees or owners are not personally liable. |
|
Approved based on the owner's personal credit score (CIBIL) and business income. |
Approved based on company revenue, cash reserves, or venture funding rounds. |
|
The primary purpose is funding business growth, managing working capital, and earning owner rewards. |
The primary purpose is managing employee expenses, policy enforcement, travel compliance, etc. |
A business credit card marks the next step in growing your business. Business credit cards make managing business expenses easier on top of the special perks offered by them.
Finding the best business credit card is subjective to the nature of your business. Some cards give you access to discounts on business software, while others offer reward points for bill and tax payments.
Though they often come with higher interest rates, they also offer perks like cash back and travel rewards. Ultimately, business credit cards help in keeping your personal and business expenses separate.
If you are not ready for a business credit card, you can get a personal credit card to support your business. Apply now on the Moneyview website or download the app for credit cards with a credit limit of up to ₹5 Lakh.
Business credit cards are designed specifically to meet business requirements. They meet the needs of entrepreneurs, startups, and small businesses that require a line of credit for large purchases or unexpected expenses without needing immediate cash on hand.
Finding the best card is subjective and depends on your business's nature. Some cards, such as the HDFC BizBlack Metal Edition or HDFC BizPower, are better for tax/bill payments, while others, like the Axis Bank Business Supreme Master, are better for digital marketing and ad spends.
Eligibility is generally based on the business owner’s personal credit score (CIBIL) and business income. Different cards cater to different segments, ranging from sole proprietors and freelancers to mid-sized businesses and large corporations.
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Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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