Looking to take your business to the next level? One powerful tool you shouldn’t overlook is a business credit card. Not only do these cards offer convenient payment options, but they also come with perks and rewards tailored specifically for business owners.
In this article, we’ll explore the top 10 best business credit cards in India that can help streamline your expenses and boost your company’s financial strategy. Let’s dive in!
Top 10 Best Business Credit Cards in India
When it comes to managing your business finances, having the right credit card can make all the difference. So, we will explore the top 10 best business credit cards:
1. SBI Prime Business Credit Card
The SBI Prime Business Credit Card stands out for its exclusive benefits and rewards. With unmatched privileges tailored for businesses, this card offers a seamless experience for all your financial transactions.
The SBI Prime Business Credit Card has an annual fee of INR 2,999. This fee is charged on a yearly basis for maintaining the card membership and accessing its features and benefits.
Cardholders can earn 10 reward points for every spend of INR 8,000 or more using the SBI Credit Card. Accumulated reward points can be redeemed for a variety of rewards, enhancing the value of using the card for business expenses.
Upon successfully applying for the SBI Prime Business Credit Card, cardholders receive an INR 3,000 travel e-gift coupon as a welcome benefit. This coupon can be used for travel-related bookings or expenses, adding value to the initial card membership.
These features and benefits offer cardholders rewards and perks for their spending, making the SBI Prime Business Credit Card a rewarding choice for business owners.
2. HDFC Business Money-Back Credit Card
The HDFC Business Money-Back Credit Card stands out as it has no annual fee, offering cardholders the benefit of using the card without incurring an annual membership fee. This feature makes it convenient for business owners to access credit without additional costs.
Cardholders can earn a 5% cashback on bill payments made using the HDFC Credit Card. This incentive encourages users to utilize the card for bill payments and provides a cashback reward on these transactions.
Unlike some other credit cards that offer welcome gifts or benefits upon application, the HDFC Business Money-Back Credit Card does not provide any specific welcome benefits. However, the absence of an annual fee and the cashback rewards on bill payments can be considered advantageous features for cardholders.
The HDFC Business Money-Back Credit Card’s focus on cashback rewards for bill payments and its nil annual fee make it a suitable choice for business owners looking for a simple and cost-effective credit card option.
3. Amex Platinum Travel Credit Card
With this card, you can enjoy exclusive perks like complimentary airport lounge access, travel insurance coverage, and concierge services to make your trips seamless and stress-free.
The Amex Platinum Travel Credit Card has an annual fee of INR 3,500. This fee is charged on a yearly basis for maintaining the card membership and accessing its features and benefits.
Cardholders can earn 1 reward point for every spend of INR 50 using the Amex Platinum Travel Credit Card. These reward points can be accumulated and redeemed for various travel and lifestyle rewards, enhancing the overall value of using the card for purchases.
Upon successfully applying for the Amex Platinum Travel Credit Card, cardholders receive 10,000 Membership Rewards points as a welcome benefit. These points can be used towards a range of redemption options, including travel bookings, shopping, and more.
The Amex Platinum Travel Credit Card’s annual fee, reward point system, and generous welcome benefits make it an attractive choice for individuals looking for a premium travel credit card.
4. YES Prosperity Business Credit Card
YES Prosperity Business Credit Card is a powerful tool designed to meet the financial needs of growing businesses. This card offers a range of benefits tailored specifically for business owners looking to optimize their spending and streamline their expenses.
The YES Prosperity Business Credit Card has an annual fee of INR 399. This fee is charged annually for maintaining the card membership and accessing its features and benefits, making it an affordable option for business owners.
Cardholders can earn 8 reward points for every spend of INR 200 using the YES Prosperity Business Credit Card. Accumulated reward points can be redeemed for various rewards, offering incentives for business-related expenses.
Unlike some other credit cards that offer welcome gifts or benefits upon application, the YES Prosperity Business Credit Card does not provide any specific welcome benefits. However, its low annual fee and reward point system makes it a cost-effective option for earning rewards on business spending.
The YES Prosperity Business Credit Card’s focus on reward points for every spend and its affordable annual fee make it a suitable choice for business owners seeking to earn rewards on their expenses without incurring high costs.
5. Axis Bank Miles And More Credit Card
The Axis Bank Miles And More Credit Card has an annual fee of INR 3,500. This fee is charged annually for maintaining the card membership and accessing its features and benefits.
Cardholders can earn 6 miles for every spend of INR 200 using the Axis Bank Miles And More Credit Card. These miles can be accumulated and redeemed for various travel-related rewards, including flight tickets, hotel stays, and more.
Upon successfully applying for the Axis Bank Miles And More Credit Card, cardholders receive 15,000 miles as a welcome benefit. These bonus miles provide a head start in accumulating rewards and can be used towards enhancing the travel experience.
The Axis Bank Miles And More Credit Card’s annual fee, reward system based on miles, and generous welcome benefits make it an appealing choice for individuals looking to earn travel rewards through their credit card spending.
6. Citi Corporate Credit Card
The Citi Corporate Credit Card offers exclusive privileges such as travel benefits, dining discounts, and rewards on business spends. It also provides access to airport lounges, helping you stay relaxed during your travels. Additionally, the card comes with expense management tools that enable you to track and control your company’s spending effectively.
With excellent customer service support from Citibank, you can rest assured that any issues or queries will be promptly addressed. The convenience of online account management further adds to the appeal of this credit card.
The Citi Corporate Credit Card is a valuable tool for businesses looking to streamline their financial operations and enjoy perks along the way.
7. ICICI Bank Business Advantage Black Credit Card
From complimentary airport lounge access to discounts on dining and travel bookings, this card has it all. Plus, with accelerated reward points on every spend, you’ll be earning rewards in no time.
The ICICI Bank Business Advantage Black Credit Card also provides insurance coverage for both you and your employees, giving you peace of mind while conducting business transactions. Additionally, the card comes with robust security features to protect against unauthorized usage.
Whether you’re a small business owner or a corporate professional, this credit card is designed to elevate your financial experience. Apply today and start reaping the benefits from ICICI Bank.
8. Kotak Corporate Gold Credit Card
The Kotak Corporate Gold Credit Card provides easy tracking of company spending through detailed statements, making financial management a breeze. This can help streamline accounting processes and monitor expenses effectively.
Enjoy added perks such as reward points on every transaction made with the card, which can be redeemed for exciting offers and discounts. Additionally, access to exclusive dining privileges and travel benefits adds value to your corporate journey.
With enhanced security features like chip-enabled technology and zero liability cover in case of unauthorized transactions, rest assured that your business finances are well-protected with the Kotak Corporate Gold Credit Card.
9. RazorpayX Corporate Credit Card
This innovative credit card offers flexible credit limits, real-time spending insights, and automated expense reporting features. Say goodbye to manual reconciliation processes and hello to increased efficiency and transparency in your financial transactions.
The RazorpayX Corporate Credit Card also comes with advanced security features to safeguard your business against fraud and unauthorized transactions. Rest easy knowing that your company’s funds are protected at all times.
Whether you’re a small startup or a large corporation, the RazorpayX Corporate Credit Card is designed to help you optimize cash flow management and drive growth. Experience the convenience of digital payments with this cutting-edge business credit card today.
10. HDFC Corporate Premium Credit Card
One of the standout features of this card is its wide range of reward options. From cashback on business expenses to discounts on travel bookings, the HDFC Corporate Premium Credit Card rewards you every time you swipe.
In addition to rewards, this card also offers valuable insurance coverage for both personal and business-related incidents. Furthermore, with access to premium airport lounges worldwide, traveling for business becomes not only convenient but also luxurious. Take advantage of complimentary lounge access and make your work trips more comfortable and productive.
This HDFC Credit Card is a top choice for businesses looking to elevate their spending experience while enjoying exclusive perks and benefits along the way.
Conclusion
Choosing the best business credit card in India is a crucial decision for any company looking to optimize its financial management. Each of the top 10 cards listed above offers unique benefits and features tailored to suit different business needs. Whether it’s cashback rewards, travel perks, or exclusive privileges, there is a card that can help your business thrive.
By selecting the right business credit card from this list, you can streamline expense tracking, improve cash flow management, and enjoy exclusive perks that will benefit both your business and employees. Take advantage of these opportunities today and watch your business grow to new heights!
