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Best Business & Corporate Credit Cards in India

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Updated: 31-12-2025 12:57:15 PM

A business credit card is a card specifically designed for business expenses rather than for an individual’s personal use. Corporate credit cards help businesses and corporates in streamlining their expenses and avail several business-specific benefits. A number of issuers are offering business credit cards with multiple benefits. Here we have listed some of the top rated business credit cards in India to help you choose the ideal card as per your requirement.

Top 6 Business Credit Cards in India 

Credit Card Annual Fee Key Feature
HDFC Biz Black Metal Edition Credit Card Rs. 10,000 + Applicable Taxes 5X rewards on select business spends
HDFC Biz Power Credit Card Rs. 2,500 + Applicable Taxes 5X rewards on select business spends
Axis Bank Business Supreme Master Credit Card Rs. 1,500 + Applicable Taxes 6 rewards per Rs. 200 on marketing & advertising
ICICI Bank Business Advantage Black Card Rs. 1,500 + Applicable Taxes Up to 1% cashback on every spend
YES First Business Credit Card Rs. 999 + Applicable Taxes Up to 16 reward points per Rs. 200 spent
Kotak Biz Business Credit Card Rs. 499 + Applicable Taxes 4X rewards on select business spends

Best Business Credit Cards in India for Jan 2026

1. HDFC Biz Black Metal Edition Credit Card

Annual Fee: Rs. 10,000 + Applicable Taxes

HDFC Biz Black is a premium card designed to offer decent benefits for small businesses as well as new business needs. The card offers accelerated rewards, discounts and exclusive deals on business-related expenses. Besides this, unlimited complimentary lounge access and free memberships & vouchers add to the card’s overall value. Here are some of the key features and benefits of this top business credit card:

Key Features & Benefits:

  • 5 reward points on every Rs. 150 spent on business needs
  • 5X reward points on select business spends
  • Up to 40% savings on business travel and software purchases
  • Unlimited complimentary domestic & international lounge visits.
  • Club Marriott annual Membership, Taj Stay voucher worth Rs. 5,000 on spending of 1.5 Lakh within first 90 days
  • SmartBuy flight/ Taj Stay voucher worth Rs. 5,000 on every spent of Rs. 5 Lakh
  • Exclusive business insurance benefits

Also Read: HDFC Bank Biz First Credit Card

2. HDFC Biz Power Credit Card

Annual Fee: Rs. 2,500 + Applicable Taxes

HDFC BizPower Credit Card is a business credit card offering accelerated rewards and other benefits on business-related expenses. Cardholders can earn rewards on every business spend, such as tax payments, bill payments, Google Ads and more, and redeem them against multiple categories. Besides this, cardholders can also save on their business travel expenses like flights and hotel bookings through direct discounts via MMT MyBiz. Some of the major benefits of this HDFC business card are listed below:

Key Features & Benefits:

  • 4 reward points on every Rs. 150 spent on business needs
  • 5X reward points on select business spends
  • Up to 40% savings on business travel and software purchases
  • Up to 16 complimentary domestic airport lounge access per year
  • Additional 2 complimentary lounge access on spending of Rs. 75,000 in the previous quarter
  • 6 complimentary international lounge visits per year via Priority Pass
  • Amazon voucher worth Rs. 1,500/ Amazon Prime Annual Membership, Biz Prime 6-months subscription on first online transaction within first 30 days of card issuance
  • MakeMyTrip/Reliance Digital gift voucher worth Rs. 2,500 on quarterly spends of Rs. 2.5 Lakh
  • Exclusive business insurance benefits

Also Read: HDFC Biz Grow Credit Card 

3. Axis Bank Business Supreme Master Credit Card

Annual Fee: Rs. 1,500 + Applicable Taxes

Axis Bank Business Supreme Master Credit Card primarily targets marketing and advertising business spends. Additionally, benefits like complimentary lounge access and 2X rewards on international spends make this card a suitable option for business travel expenses. Given below are some of the major features and benefits offered by this business credit card:

Key Features & Benefits:

  • 6 reward points per Rs. 200 on marketing and advertising spends
  • 8 reward points per Rs. 200 spent internationally
  • 4 reward points per Rs. 200 spent domestically
  • 4 complimentary domestic airport lounge visits per quarter
  • 10,000 reward points on spends above Rs. 5 Lakh
  • Additional 5,000 reward points on annual spends of Rs. 8 Lakh and above
  • Access to exclusive business offers via MasterCard

Also Read: Axis Bank Corporate Credit Card

4. ICICI Bank Business Advantage Black Card

Annual Fee: Rs. 1,500 + Applicable Taxes

ICICI Bank Business Advantage Black is a business card offering up to 1% cashback on domestic as well as international spends. This card works differently by offering cashback as per your statement balance. Besides cashback, the card offers complimentary domestic lounge access, joining & annual fee waivers, insurance benefits and a fuel surcharge waiver. Below mentioned are some of the major benefits of this credit card:

Key Features & Benefits:

  • Up to 1% cashback on domestic and international spends
  • Complimentary access to Visa IntelliLink for Small Business (VISB)
  • 2 complimentary domestic airport lounge visits per quarter
  • Joining fee waiver on spending Rs. 75,000 within 60 days of the card activation
  • Annual fee waiver on spending Rs. 75,000 in a year
  • Insurance benefits of up to Rs. 75 Lakh

Also Read: ICICI Corporate Credit Card

5. YES First Business Credit Card

Annual Fee: Rs. 999 + Applicable Taxes

YES First Business Credit Card offers accelerated reward points on major categories, such as travel, dining, hotels and more. Cardholders can redeem the accumulated reward points across multiple categories as per their requirements. Additionally, travel benefits like a low forex markup and complimentary lounge access worldwide make this a suitable option for travel expenses for small businesses. Listed below are some of the key features and benefits of this best business credit card:

Key Features & Benefits:

  • Low forex markup fee of 1.75%
  • Up to 16 reward points per Rs. 200 spent
  • Exclusive offers on travel, dining, business expenses and more
  • 20,000 reward points on annual spends of Rs. 12 Lakh
  • 6 complimentary international lounge visits per year
  • 8 complimentary domestic lounge visits every year
  • 1 golf lesson every month and 4 additional sessions with green fee waiver at select golf courses in India

6. Kotak Biz Business Credit Card

Annual Fee: Rs. 499 + Applicable Taxes

Kotak Biz Business Credit Card is a rewards-focused card offering accelerated rewards on business spends like marketing and advertising. Cardholders can also save on their business travel expenses by earning 4X rewards on spends at travel & tour operators, domestic airlines, hotels, motels & resorts. Some of the major features and benefits of this top business credit card are listed below:

Key Features & Benefits:

  • 4 reward points per Rs. 100 spent on travel & tour operators, domestic airlines, direct marketing, advertising services, super market, hotels, motels & resorts
  • 1 reward point per Rs. 100 spent on other categories
  • Exclusive benefits for the purchase of software, tax filling via Biz Launchpad
  • 1 complimentary domestic airport lounge visit per quarter
  • 1% fuel and up to 2.5% railway transaction surcharge waiver
  • Insurance benefits of up to Rs. 50,000
Benefits of Business Credit Cards
FAQs on Business Credit Cards

Benefits of Business Credit Cards

Below listed are the top 5 business credit card benefits:

  1. Having a business credit card is one of the best ways to build a credit reputation for your business
  2. Having a separate credit card for business expenses expands purchasing power for business owners.
  3. If your business is a corporation or a private limited company, it is important to separate your business expenses from your personal ones. A business credit card allows to do the same easily
  4. By giving business credit cards to your employees, you can gain effective control while keeping a tab on their spending
  5. You can use your business credit card to improve your business. Several credit card companies offer you with the latest innovative business and tracking tools

FAQs on Business Credit Cards

What’s the difference between business credit cards and personal credit cards?
Business credit cards and personal credit cards operate in many similar ways. Both can offer rewards points, sign-up bonus etc., but there are a few differences between how they are regulated. There can be different terms and conditions for business cards and personal cards. Also, business credit cards are designed to benefit the needs of a business and also allow free access to certain business tools.

What credit score is needed for a business credit card?
Most business credit cards require good to excellent credit for approval. Typically, a score of 750 and above is considered good. A score of 800 or above is considered excellent. There are a few business credit cards available for small business owners with fair credit. A fair credit score ranges from 640 – 700.

Is it hard to get a business credit card?
You generally cannot get an unsecured business credit card without personal credit. Most issuers would require good or excellent credit. But if you’re starting with no credit, you might have to start with a personal card, build your score and then apply for a business credit card.

Can anyone get a business credit card?
You do not need to be running a corporation, but you do need to be able to list some kind of business expenses and requirements, even if it involves one person.

Do business credit cards check personal credit?
When you apply for a business credit card, the card issuer may consider both your business’s track record and your personal credit. This could include running a hard credit check on your personal credit score.

What is a corporate credit card?
A corporate (or business) credit card is a card issued to a company (or to its employees) for business-related expenses rather than personal spending. It helps streamline expense tracking, separates business vs personal costs, and often includes perks tailored for business needs.

What are corporate credit card fees and charges?
Typical fees include annual (or renewal) fees, joining or processing fees, late payment fees, over-limit charges, and foreign transaction markup fees. The GST is also applied (e.g. 18%) on these fees and interest, along with miscellaneous charges like card replacement or duplicate statements.

Which credit card is best for corporate employees?
The best depends on the employee’s business expense pattern — look for cards that offer high rewards or cashback on categories like travel, advertising, software, etc. Also consider benefits like lounge access, lower forex fees, and expense-tracking tools — the premium business cards (e.g. HDFC Biz Black Metal) are often ideal for heavy users.

Do business cards help build credit?
Yes, using a business credit card responsibly can build credit history for the business entity and help its credit reputation. It also gives you a separate track record apart from your personal credit, which can aid in future financing.

Who is eligible for a commercial credit card?
You don’t necessarily need to be running a large corporation, even small business owners or individuals with business expenses may qualify. Issuers typically require a decent credit score, proof of income/business, and sometimes prior business operations or ITRs.

Is GST registration mandatory for business credit cards?
No card issuer has explicitly stated that GST registration is mandatory for all business credit cards. However, since business entities often deal with GST, having a GST registration could support legitimacy and documentation but is not universally shown as a strict requirement.

Can I get a business credit card with bad personal credit?
It is generally difficult, most issuers check both your business and personal credit, so bad personal credit makes approval unlikely. You may need to first rebuild your credit (or opt for secured/business cards backed by collateral) before applying.

Do I need to have a business credit score to get a business credit card?
Not necessarily, many issuers may rely more on your personal credit and income, especially for newer businesses. Over time, yes, if your business has its own credit history, it can strengthen your application and access to higher credit card limit.

How can I apply for a commercial credit card?
You can apply either online (via the bank’s website) or offline (at a branch) with required documents. First check your eligibility, get your documents ready, submit the application, and the issuer will do credit and business assessment before approval.

What documents are required to apply for a corporate/business credit card?
Common documents include: identity proof (PAN, Aadhaar, passport etc.), address proof (utility bills, lease etc.), income proof (salary slips, tax returns, audited statements), bank statements. For self-employed/business applicants, additional documents such as business financials, proof of business continuity, ITRs may also be required

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