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8 best business credit cards in India for 2025
Ever since it was first introduced in the country the credit card has been a massive hit. Now, credit cards in India are as common as they come.
Credit cards are being used not only for personal needs but for business and corporate purposes as well.
There’s a variety of credit cards available that are specifically designed to suit the requirements of business organizations.
Given the wide variety that is available, it is not surprising that making a choice on the best business credit card in India can be tricky. Making a decision requires a good degree of thought and consideration.
What is a business credit card?
A business credit card is a financial tool designed to help you manage expenses and cash flow for your company. Unlike personal cards, it provides tailored benefits, such as higher spending limits, expense tracking, and rewards.
Choosing the best business credit cards allows you to streamline payments, earn rewards, and simplify tax preparation. These credit cards for business are ideal for separating personal and company expenses.
When selecting the best business credit cards in India, consider options that suit your company’s needs, offering features like cashback, travel benefits, and low fees. The best credit cards for business use can also build your company’s credit profile, which is essential for securing future financing. With the right credit card, you can better handle day-to-day operations and long-term financial planning.
Why do you need a business credit card?
Using a personal credit card for business purposes is not the best idea. For a range of reasons, there are credit cards that are specifically designed for business or corporate use. Check our article on business credit card vs personal credit card to know the key differences between both in detail.
Corporate credit cards are typically used for business purposes like vendor payments, employee T&E expenses, and so on.
Business credit cards are an essential need because they can help you build a positive credit history for your business.
If you use it well business credit cards can give a big boost to your company’s credit reputation. These cards also give your purchasing power a boost by giving access to more credit for your business.
Another reason why getting a business credit card is a good idea is that these cards help you keep your business and personal finances separate.
Additionally, by issuing corporate credit cards to your employees for business expenses you can keep better track of their spending.
Lastly, business credit cards come equipped with specialized tools (e.g. spend management software) that can help your business maintain constant visibility and control over expenses.
Best business credit card in India for 2025
Given below is a list containing the best business credit card India has to offer and some of their features.
1. SBI Prime business credit card
Overview
The SBI Prime business credit card is among the best business credit cards in India, offering premium benefits for your company. Tailored for professionals and SMEs, it supports expense management and provides travel, shopping, and dining rewards to suit your needs.
Welcome benefits
You receive a welcome e-gift voucher worth ₹3,000 from top brands like Yatra, Bata, or Hush Puppies when you apply for this credit card for company.
Key features
Enjoy access to 8 complimentary domestic lounge visits annually. This credit card for business includes milestone benefits, 2,500 reward points on reaching spends of ₹50,000, and a fuel surcharge waiver for business travel.
Advantages
You benefit from milestone rewards, attractive lifestyle benefits, and accelerated reward points on dining, groceries, and department store purchases. The card also offers flexible redemption options, making it one of the best credit cards for business use.
Limitations
It comes with a high renewal fee of ₹2,999. Limited global lounge access makes it less ideal for international travelers using this credit card for business purposes.
2. HDFC Business MoneyBack Credit Card
Overview
The HDFC Business MoneyBack credit card stands out among the best credit cards for business use, offering cashback on everyday spending. It’s designed to simplify your expense tracking while maximizing rewards for small and mid-sized companies.
Welcome benefits
Earn 500 reward points upon card activation. These can be redeemed against various rewards, making this credit card for company cost-efficient.
Key features
Earn 3X reward points on online spending and 2X points on other purchases. Cashback redemption is allowed against accumulated reward points for this credit card for company.
Advantages
You benefit from high reward points on online spending and a low annual fee. Real-time expense tracking adds convenience, making it among the best business credit cards in India.
Limitations
The reward structure is less favorable for offline purchases. Cashback redemption can only be done in multiples of ₹500, limiting flexibility.
3. ICICI Bank Business Advantage Black Credit Card
Overview
The ICICI Bank Business Advantage Black credit card is tailored for mid-sized and large enterprises. It’s one of the best credit cards for business use, providing exclusive benefits and extensive control over expenses.
Welcome benefits
Receive a cashback of ₹2,000 on activation of this credit card for company.
Key features
Earn 5 reward points for every ₹100 spent on fuel, dining, and business expenses. The card also provides a fuel surcharge waiver of up to ₹500 monthly.
Advantages
It simplifies expense tracking with detailed statements and customizable spending controls. Its rewards structure benefits businesses with significant operational spending.
Limitations
It lacks travel benefits, such as lounge access. Rewards redemption options are limited to specific categories.
4. Axis Bank My Business Credit Card
Overview
The Axis Bank My Business credit card is tailored for growing enterprises, offering enhanced control over corporate expenses. It ranks among the best business credit cards for expense management and employee benefits.
Welcome benefits
Receive 2,500 EDGE Reward Points on activation of this credit card for company, helping you kickstart your rewards journey.
Key features
This card offers 1% cashback on fuel purchases and business expenses. With an interest-free period of up to 50 days, it’s an ideal credit card for your company to manage cash flow efficiently.
Advantages
You enjoy cashback on essential business purchases, access to Visa dining offers, and a convenient EMI conversion option. The card simplifies financial management for SMEs.
Limitations
It lacks travel perks and lounge access, limiting its appeal for frequent flyers. Cashback options are not available for international transactions.
5. Yes Prosperity business credit card
Overview
The Yes Prosperity business credit card is a cost-effective option for SMEs, offering robust expense management tools. It’s one of the best credit cards for business use if you seek affordability and utility.
Welcome benefits
Earn 1,250 reward points as a welcome gift when you activate this credit card for company.
Key features
You earn 8 reward points for every ₹200 spent on business transactions. The card also offers 25% off movie tickets on BookMyShow, making it one of the versatile credit cards for business.
Advantages
It offers comprehensive rewards for everyday spending and lifestyle benefits. Its low annual fee ensures accessibility, making it one of the best business credit cards in India for small businesses.
Limitations
It has limited travel perks and no global lounge access. The cashback conversion options are also restrictive.
6. Amex Business Platinum corporate credit card
Overview
The Amex Business Platinum corporate credit card is a premium option for large corporations. It is among the best business credit cards in India, offering unmatched travel and lifestyle privileges for your company.
Welcome benefits
You receive a complimentary domestic flight ticket or hotel stay voucher worth ₹5,000 upon activation of this credit card for company.
Key features
Enjoy 5X reward points on hotel and airline bookings and complimentary global lounge access. The card includes flexible repayment options, making it one of the top best credit cards for business use.
Advantages
You benefit from premium travel perks, concierge services, and accelerated reward points on corporate spending. This card is perfect for companies with significant travel requirements.
Limitations
It has a high annual fee and requires excellent creditworthiness. Small businesses may find the features excessive for their needs.
7. IDFC First Bank business credit card
Overview
The IDFC First Bank business credit card offers excellent rewards and no annual fees, making it one of the best business credit cards in India for cost-conscious businesses.
Welcome benefits
Earn 5,000 reward points on card activation, making it an attractive credit card for business at no cost.
Key features
Enjoy 3X reward points on online business purchases and interest-free cash withdrawals for up to 48 days. This credit card for company also offers fuel surcharge waivers.
Advantages
You benefit from no annual fees, flexible repayment options, and extensive rewards for online spending. Its affordability and features make it ideal for SMEs.
Limitations
It lacks premium benefits like lounge access or concierge services. The reward redemption process can be slightly restrictive.
8. HDFC Business Regalia credit card
Overview
The HDFC Business Regalia credit card is one of the best credit cards for business use, offering premium benefits for companies with high operational expenses.
Welcome benefits
Receive 2,500 reward points upon activation, adding value to your credit card for company from the start.
Key features
Enjoy 4 reward points per ₹150 spent and complimentary access to 12 domestic and 6 international lounges annually. This credit card for company also offers milestone rewards.
Advantages
You gain premium travel and lifestyle perks, milestone rewards, and accelerated point accumulation. It’s ideal for businesses with frequent travel needs.
Limitations
High annual fees and limited cashback options may deter cost-conscious companies. Some benefits are restricted to specific categories.
Are you a startup business owner looking for credit cards to manage your startup business expenses? Our article on Best business credit cards for startups can help you in choosing the right one for your business.
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FAQs on business credit card
A business credit card is a credit card that is issued to a company to manage their expenses. Its purpose is to separate an individual's personal expenses and business expenses.
Different card provider's may have different criteria to decide whether your business is eligible to get a business credit card. You must apply and check with the provider to determine what the basic requirements are.
Generally, a business credit card is issued for smaller businesses with fewer employees who can share the card easily.
Corporate cards on the other hand are issued for larger businesses with multiple employees where individual employee cards may be needed in order to carry out business expenses efficiently without any delays.
A business credit card is used for business expenses and the business entity is liable to pay for it rather than the individual. A personal credit card affects the an individual's credit score, whereas a business credit card affects the business's credit score.
