Best 16 Business Credit Cards In India 2022 | Top 16 Business Credit Cards In India 2022

If you want to make the most out of your business transactions, then having a credit card will be the best strategy. Business cards often offer loyalty points on every transaction, free access to airport lounges, great deals on travel booking, and several useful tools.

But the problem is, there are several credit cards available in the Indian credit card market, and choosing the best one can be challenging. That’s why we have selected the 16 best business credit cards for you. Go through them and choose the card that suits your needs.

• Table of Contents

  HDFC Business Regalia Credit Card

The hdfc bank business regalia credit card is the most premium business credit card offered by HDFC Bank. Offering free access to airport lounges, huge discounts on dining, exclusive cashback on every transaction, and extra bonus from milestone spending, this card brings so much value with it that it can easily offset the Rs. 2500 annual fee. Read the complete hdfc business regalia credit card review to know more about the benefits.

What are the HDFC business regalia credit card fees?

• HDFC business regalia credit card joining fee: Rs. 2500 + GST
• HDFC business regalia credit card annual fee: Rs. 2500 + GST

100xGain Rating:

8/10

What are the key HDFC business regalia credit card benefits?

• This hdfc business regalia credit card offers you complimentary access to most of the domestic and international lounges.
• You can bag up to a 25% discount on dining bills.
• There is also accidental insurance coverage on this business regalia hdfc credit card.
• On spending Rs. 3,00,000 within a year, you can get a complete waiver on your annual fee.
• Using this hdfc regalia business credit card you can also buy your office essentials in bulk with easy monthly installments.

Pros and Cons:

Pros	Cons
This card gives you free access to domestic and international lounges. HDFC business regalia credit card features a 5% cashback on every transaction you make using this card. There is also a 25% discount on dining bills.	There are no travel booking benefits on this regalia business credit card. You will not get any golf benefits with this card.

• SBI Prime Business Credit Card:

The SBI Prime Business Credit Card is a solid choice for those who want to add a touch of luxury to their business trips. Offering free access to airport lounges, complimentary club Vistara membership, and attractive deals on travel, this card has the potential to make your business trips much more luxurious than before.

 What are the SBI Prime Business Card fees?

• Joining fee: Rs. 2,999 + GST
• Annual fee: Rs. 2,999 + GST

100xGain Rating:

7.5/10

What are the major SBI Prime Credit Card benefits?

• This sbi business credit card offers you up to 10 reward points for every Rs. 100 transaction made using this card.
• You will also get a complimentary Club Vistara membership with this card, it offers you unparalleled travel benefits.
• This sbi corporate credit card gives you free access to most of the frontline airport lounges.
• There is also a complimentary fraud liability coverage of Rs. 2 lakh with this card. 

Pros and Cons:

Pros	Cons
This SBI business credit card gives you free access to airport lounges. You will also get a complimentary Club Vistara membership. The rate of earning reward points is quite impressive.	There are no dining benefits on this card.

• ICICI Business Advantage Blue Card

The icici business advantage blue card is one of the most premium credit cards you can get in India. It is not only a credit card that has a very distinct look, it is a perfect blend of usefulness and affordability. It lets you enjoy free access to airport lounges, discount on dining, huge deals on business essential services, and lots more.

What are the ICICI Bank Business Advantage Credit Card fees?

• Joining fee: Rs. 500 + GST
• Annual fee: Rs. 500 + GST

100xGain Rating:

7.5/10

What are the key features of the ICICI Bank Business Advantage Credit Card?

• On maintaining an Rs. 75,000 monthly statement balance you can earn a 1% cashback on all your domestic and international transactions.
• You will get complimentary access to most of the domestic airport lounges. You can find more about the icici business credit card lounge access benefit from the complete review of this card,
• You can bag up to a 15% discount on your dining bills.
• This ICICI bank business credit card offers you exclusive deals on DocuSign, Evernote, Awfis, Amazon Web Services, Airtel Broadband services, etc. 

Pros and Cons:

Pros	Cons
Using this ICICI corporate credit card, you can get free access to most of the domestic airport lounges. This ICICI blue credit card offers up to a 15% discount on your dining bills. There are also some attractive benefits on business essential services.	There are no travel booking benefits. In order to get the cashback offer, you have to maintain an Rs. 75,000 statement balance.

• HDFC Bank & SAP Concur Solutions Black Corporate Credit Card

When it comes to luxury and affordability, there are very few credit cards that can replace the HDFC Bank & Concur Solutions Black Credit Card. It is a lifetime free business credit card designed to cater premium benefits and some very helpful tools at a very affordable rate. More details of the card are discussed in the complete review.

What are the HDFC Corporate Credit Card charges?

• Joining fee: None.
• Annual fee: Free for a lifetime.

100xGain Rating:

7.5/10

What are the key features of HDFC Corporate Credit Card?

• Using this HDFC bank business card you can earn up to 1000 reward points per month. 
• This card gives you free access to most of the frontline domestic and international airport lounges. You can find more about the lounge access benefits from the full review of this card.
• This hdfc concur black card gives you access to over a million wifi hotspots across the globe.
• There is also corporate liability coverage protection on this card.

Pros and Cons:

Pros	Cons
You will get free access to domestic and international lounges. The rate of earning reward points is also very good. You will also get access to most of the Wifi hotspots across the globe.	There are no dining benefits on this HDFC bank corporate credit card.

• Kotak Mahindra Corporate Wealth Signature Credit Card

If you are looking for a low-cost premium credit card then you should take a look at the Kotak Mahindra Corporate Wealth Signature Credit Card. It is a lifetime free credit card that lets you enjoy free access to airport lounges, huge discounts on fuel surcharges, and lots more. Read the complete review to know more about this card.

How much are the Kotak Corporate Credit Card fees?

• Joining fee: None. 
• Annual fee: Free for a lifetime.  

100xGain Rating:

7/10

What are the key features of Kotak Corporate Credit Card?

• This Kotak wealth credit card gives you free access to most of the leading airport lounges.
• You can bag up to Rs. 3,500 annual waiver on fuel surcharges.
• You will get an expense management facility and a dedicated service manager with this card.
• You can also make big savings on railway surcharges.

Pros and Cons:

Pros	Cons
This card gives you free access to domestic airport lounges. You can make big savings on railway and fuel surcharges.  It is a lifetime free credit card.	There are no dining benefits on this card. You will not get any travel booking benefits.

• HDFC Bank SAP Concur Solutions Prime Corporate Credit Card

The Hdfc bank sap concur solutions prime corporate credit card is a premium quality business credit card, tailored to eliminate the need for paperwork. Apart from the ton of useful features, it lets you enjoy free access to airport lounges, big savings on fuel surcharges, and complimentary access to Wifi hotspots worldwide. Read the complete review to know more about this card.

What are the HDFC Business Credit Card Charges?

• Joining fee: None.
• Annual fee: None.

100xGain Rating:

7.5/10

What are the major HDFC Business Credit Card Benefits?

• This HDFC bank business credit card offers 3 reward points on every transaction you make using this card.
• You can enjoy free access to domestic and international lounges.
• This card comes with several useful tools that will help you to run your business more smoothly.
• This hdfc premium business credit card comes with complimentary insurance and liability protection coverage.

Pros and Cons:

Pros	Cons
You can earn reward points for every transaction you make using this card. You will get free access to most of the frontline airport lounges across the globe. This card offers some unique business tools which are extremely helpful. It is a lifetime free credit card.	There are no dining benefits on this hdfc sap concur credit card. You will not get anything on travel booking.

• Citi Corporate Credit Card

When it comes to convenient business management and luxury, there are very few credit cards that can replace the citi corporate card. This premium quality corporate credit card is particularly crafted to offer you convenient business management and a luxurious travel experience. You will get big savings on dining at premium restaurants, reward points on every transaction, free access to airport lounges, and lots more.

What are the Citi Corporate Credit Card fees?

• Joining fee: This will be communicated at the time of approval.
• Annual fee: This will be communicated at the time of approval.

100xGain Rating:

7/10

What are the major Citi Corporate Card benefits?

• This card offers you 2 reward points for every Rs. 125 transactions.
• You will get free access to most of the frontline domestic airport lounges. You can know more about the citi corporate card lounge access benefits from the complete review of this card.
• This citibank corporate credit card comes with a number of useful business management tools that will help you to run your business more smoothly.
• You can also bag a 15% discount on dining at some of the finest restaurants.

Pros and Cons:

Pros	Cons
This card gives you free access to domestic airport lounges. Business management become easy. This card also offers a 15% discount on dining.	The rate of earning reward points is not that good. There are no travel booking benefits on this card.

*If you are worried about the citi corporate card activation process or want to know; how to set transaction limit in Citibank credit card, then feel free to take a look at the 100xGain faq page.

• Yes First Business Credit Card

The Yes First Business Credit Card is a premium quality business credit card, designed for those who want to add a touch of luxury to their business trips. While it charges an annual fee of Rs. 4,999. It lets you enjoy free access to airport lounges, reward points on every transaction, complimentary golf rounds, and lots more. Read the complete yes first business credit card review to know more about this card.

How much are the Yes First Business Credit Card fees?

• Joining fee: Rs. 4,999 + GST
• Annual fee: Rs. 4,999 + GST

100xGain Rating:

7/10

What are the major Yes First Business Credit Card benefits?

• Using this yes bank first business credit card you can get access to most of the frontline airport lounges across the globe.
• You can earn up to 16 reward points per Rs.200 spend on travel booking.
• You will get some complimentary golf rounds with this card.
• This yes first business credit card features an EMI payment option, which allows you to buy office essentials in installment.

 Pros and Cons:

Pros	Cons
The rate of earning yes first business credit card reward points is quite impressive. This yes first business credit card offers you access to most of the frontline airport lunges.  You can also enjoy some complimentary golf rounds at some premium golf courses in India.	There are no dining benefits on this yes first prosperity business credit card.

• HDFC Corporate Visa Signature Credit Card

The hdfc corporate visa signature credit card is one of the most popular corporate credit cards you can get in India. It lets you enjoy free access to airport lounges, big savings on fuel surcharges, reward points on every transaction, and a load of useful corporate tools that will help you to run your business more smoothly. Read the complete review to know more about this card.

 How much are the HDFC Corporate Visa Signature Card fees?

• HDFC visa signature credit card joining fee: None.
• HDFC visa signature credit card annual fee: Free for a lifetime.

100xGain Rating:

7.5/10

What are the major HDFC Visa Signature Credit Card benefits?

• You can earn up to 2 reward points for every transaction you make using this card.
• You will get free access to most of the frontline airport lounges across the globe. More about the HDFC visa signature credit card lounge access benefit is discussed in the full review of this card.
• You can make up to Rs. 1000 saving per month on fuel surcharges.
• You will get complimentary insurance coverage protection on this card.
• This hdfc corporate credit card comes with a ton of very useful corporate tools.

Pros and Cons:

Pros	Cons
This HDFC business credit card offers you access to most of the domestic and international lounges. You can make a big saving on fuel surcharges. This card comes with several helpful tools. It is a lifetime free credit card.	There are no dining benefits on this card. The rate of earning reward points is not that good.

• Yes Prosperity Business Credit Card

If you are looking for a business credit card that can provide you with credit convenience, then the yes prosperity business credit card would be a solid choice for you. While the card charges Rs. 2,499 as an annual fee, it also lets you enjoy free access to airport lounges, reward points on every transaction, complimentary golf rounds, a big discount on fuel surcharges, and lots more. Read the complete yes prosperity business credit card review to know more about this card.

What are the Yes First Prosperity Business Credit Card fees?

• Yes prosperity business credit card joining fee: Rs. 2499 + GST
• Yes prosperity business credit card annual fee: Rs. 1499 + GST

100xGain Rating:

7/10

What are the major Yes Prosperity Business Credit Card benefits?

• You can earn up to 4 reward points for every transaction you make using this card.
• This card gives you free access to most of the frontline airport lounges across the globe. You can find more about the yes bank prosperity business credit card lounge access benefits from the complete review of this card.
• You will also get some complimentary golf rounds with this yes first prosperity business credit card.
• You can make a good saving on fuel surcharges. 

Pros and Cons:

Pros	Cons
The rate of earning reward points is very good. This yes bank prosperity business credit card gives you free access to domestic and international airport lounges.	There are no dining benefits on this yes bank business prosperity credit card. You will not get any travel booking benefits.

• Axis Bank MY Business Credit Card

If you are looking for an affordable way to manage your business more efficiently, then you should take a look at the Axis Bank MY Business Credit Card. It is a low-cost business credit card that lets you enjoy free access to airport lounges, reward points on every transaction, and a low-cost EMI facility that lets you buy your office essentials in bulk. 

How much are the Axis Bank MY Business Card fees?

• Joining fee: Rs. 999 + GST
• Annual fee: Rs. 499 + GST

100xGain Rating:

7/10

What are the major Axis Bank Corporate Credit Card benefits?

• This axis bank business credit card gives you free access to domestic airport lounges.
• You can earn up to 4 reward points for every Rs. 200 transactions.
• There is also a low-cost EMI facility that allows you to buy your office essentials in bulk.

 Pros and Cons:

Pros	Cons
This card gives you free access to most of the frontline domestic lounges. The low-cost EMI facility is also very helpful. The rate of earning reward points is also very good.	There are no dining benefits on this card. You will not get any travel booking benefits with this card.

*If you have queries like how to track axis bank credit card application, or how to set axis bank credit card pin, then feel free to take a look at our faq page.

• American Express Platinum Corporate Card

If you are looking for the best possible credit card for your business, then the American Express Platinum Corporate Credit Card will be a solid choice for you. Offering free access to airport lounges, exclusive deals on premium hotels, and huge discounts on dining, this card brings so much value with it that it can easily neutralize the Rs. 29,000 annual fee. More details are discussed in the full american express platinum business card review.

What are the American Express Platinum Business Credit Card fees:

• Amex corporate card joining fee: None. 
• Amex corporate card annual fee: Rs. 29,000 + GST

100xGain Rating: 

7/10

What are the major American Express Corporate Credit Card benefits?

• This card gives you free access to most of the premium airport lounges across the globe. More about the Amex corporate card lounge access benefit is discussed in the full review. 
• You will get premium membership in some of the finest hotels.
• There is also a massive 25% discount on your dining bills.
• This card also brings several helpful tools with it.

Pros and Cons:

Pros	Cons
You will get free access to airport lounges. This card brings exclusive deals on premium hotels. You will also get a big discount on your dining expenses.	The rate of earning reward points is not that great. The annual fee seems a bit high.

• American Express Corporate Credit Card

If you are looking to add a touch of luxury and efficiency to your business, then you should take a look at the american express corporate card. It is a premium quality corporate credit card that lets you enjoy free access to airport lounges, reward points on every spend, exclusive business management tools, and lots more. Read the complete review to know more about american express corporate card details. 

What are the American Express Corporate Card fees?

• American express corporate card joining fee: None. 
• American express corporate card annual fee: Rs. 2,100 + GST

100xGain Rating:

6.5/10

What are the key American Express Corporate Card benefits?

• This american express corporate card offers you a complimentary membership of the priority pass program.
• There are several helpful tools and features on this card like; online account and expense management facility, personal relationship manager, e-statement facility, and lots more.
• Under the american express corporate card membership rewards scheme, you can earn reward points on every transaction made using this card.
• There is also travel insurance coverage on this card. 

Pros and Cons:

Pros	Cons
You will get complimentary access to most of the airport lounges across the globe. This card also comes with several useful tools that are extremely helpful. There is also insurance coverage protection on this card.	There are no dining benefits on this card. You will not get travel booking benefits with this card

*For queries like how to activate american express corporate card or how to pay american express corporate card bills, you can visit our FAQ page.

• RBL Corporate Purchase Card

If you want to boost up the purchasing power of your company, then you should take a look at the RBL Corporate Purchase Credit Card. It is a lifetime free credit card designed to provide your company with credit convenience and some really helpful business management tools. Go through the complete review to know more about this card.

What are the RBL Corporate Purchase Card fees?

• Joining fee: None.
• Annual fee: Free for a lifetime.

100xGain Rating:

6.5/10

What are the key features of RBL Corporate Purchase Card?

• This rbl business credit card is equipped with the Management Information System that will help you to run your business more smoothly.
• You will get a personal relationship manager with this card.
• This RBL corporate credit card also has a lost card liability coverage of Rs. 2 lakh.

Pros and Cons:

Pros	Cons
You will get your own personal relationship manager with this card, which is very useful. With the Information Management System, you can manage your business more conveniently. There is also a liability coverage protection of Rs. 2 lakh.	There is no lounge access or travel benefits on this card. You will not get any dining benefits from this card.

• IndusInd Bank Business Gold Credit Card

The Indusind Bank Business Gold Credit Card is very hard to replace when it comes to powerful rewards and affordability. It is a lifetime-free credit card that comes with four different reward plans; business plan, shopping plan, travel, and entertainment plan. Read the complete review to know more about the reward plans. 

How much are the IndusInd Bank Business Gold Card fees?

• Joining fee: None. 
• Annual fee: None.

100xGain Rating:

6/10

What are the key features of IndusInd Bank Business Gold Card?

• There are four different reward plans on this IndusInd bank credit card, business plan, shopping plan, travel, and entertainment plan which lets you earn reward points from every transaction you make using this card.
• There is also an online account management facility that allows you to maintain your indusind bank corporate credit card account more conveniently.

Pros and Cons:

Pros	Cons
You can earn reward points from every transaction you make using this card. The online account management facility will help you to run your business more smoothly. It is a lifetime free credit card.	There are no lounge access or dining benefits on this IndusInd bank lifetime free credit card.

• Kotak Mahindra Corporate Gold Credit Card

If you are looking for a credit card that can help you to run your business more smoothly, as well as provide you with more purchasing power, then the Kotak Mahindra Corporate Gold Credit Card will be a solid choice for you. With its very useful business tools, this card can make business management a cakewalk for you. Read the complete review to know more about this card.

What are the Kotak Corporate Gold Credit Card fees?

• Kotak credit card joining fee: None.
• Kotak credit card annual fee: Rs. 1000 + GST

100xGain Rating:

6/10

What are the key features of this Kotak Mahindra Bank Corporate Credit Card?

• This card comes with a ton of business management tools that are needed to run a business smoothly.
• This kotak credit card offers a dedicated service manager to take care of your needs.
• Using this card, you can make an annual saving of Rs. 3,500 on fuel surcharges.

Pros and Cons:

Pros	Cons
The business management tools are very helpful. You can make a big annual saving on fuel surcharges.	There are no travel and dining benefits on this Kotak corporate credit card.

*If you are curious about the kotak corporate credit card pin generation process or want to know how to block kotak credit card account temporarily, then feel free to take a look at the 100xGain faq page.