Top 10 Business Credit Cards

Business credit cards are specially designed credit cards to fulfill the financial needs of a company or a business. These cards not meant for personal uses, anyone who wants a separate credit card for his/her business or company can apply for a business credit card. With a business credit card, you will get all the benefits and offers that you need to run your business smoothly.

               Business credit cards are easy to apply, you don’t need to provide any employment proof, you can get them against your business or company or you can get them with a personal guarantee. Business credit cards are slightly expensive than non-revolving business loans, but the benefits and features you can get from a credit card can easily justify the extra cost.

               Several financial companies offer business credit cards, with various price ranges and benefits. Of them we have picked 10 credit cards, you can compare them and find the best credit card for your business.

  • American Express Platinum Corporate Card.
  • Fees –
  • Joining fee – None.
  • Annual Fee – ₹29,000 + GST
  • Card Type – It is an American Express credit card.
  • Benefits – There are some major benefits of the card given below –
  • This card offers reward points on every purchase, conditions apply.
  • You will get most of the premium airport lounges across the world,
  • This card also offers an expense management facility, that will help you to manage your company’s monthly expenses.

American Express Platinum Corporate Card is probably the most premium business card available in the Indian Market. This card is designed for mammoth companies and businesses. It has the power to fulfill all the needs of your business.

  • American Express Corporate Card.
  • Fees –
  • Joining fee – None.
  • Annual Fee – ₹2,100 + GST
  • Card Type – It is an American Express credit card.
  • Benefits – Some of the benefits of the card are listed below.
  • You can earn reward points on each transaction made with this card, conditions apply.
  • This card gives you a free subscription to the lounge club program.
  • With this card, you get an expert solution and expense management feature that can help you to run your business more smoothly.

It is a Premium business credit card from American Express, it is best suited for big businesses and companies. With all its features and benefits can help you to manage your expenses more conveniently. 

  • YES FIRST Business Credit Card.
  • Fees –
  • Joining fee – ₹4999 + GST
  • Annual Fee – ₹4999 + GST
  • Card Type – it is a MasterCard credit card.
  • Benefits – The key features of the card is given below –
  • You can save a lot of money monthly with the reward program, conditions apply.
  • You will get access to most of the premium airport lounges with this card.
  • This card comes with a dedicated concierge service you can get help from them whenever you need it.

Yes first Business credit card is a budget credit card for business-related needs, with its features and benefits it can save you a big amount of money monthly.  

  • YES Prosperity Business Credit Card.
  • Fees –
  • Joining fee – ₹2499 + GST
  • Annual Fee – ₹2499 + GST
  • Card Type – It is a MasterCard Credit Card.
  • Benefits – There are some benefits of the card given below –
  • This card offers big reward points on your purchases, you will get 4 reward points on each ₹100 transactions.
  • With this card you will get access to domestic and international lounges, conditions apply.
  • This card also comes with built-in travel insurance coverage.

If you are looking for a business credit card at a low cost, then you can go for this card, this card offers many awesome facilities and you can also save a big amount of money through the reward program. 

  • IndusInd Bank Business Gold Credit Card.
  • Fees –
  • Joining fee – None.
  • Annual Fee – None.
  • Card Type –
  • Benefits – Some of the benefits of the card is given below –
  • With the business savings plan, you can save a big amount of money from your monthly budget.
  • With this card you will get a 24X7 active concierge service, that can help you with travel bookings.
  • This card has the total protect facility, it covers you if your card information is lost or stolen, T&C apply.

This card is best for small business and start-ups, with all its benefits it will give you the platform to build up your business. 

  • Kotak Mahindra Corporate Gold Credit Card.
  • Fees –
  • Joining fee – None.
  • Annual Fee – ₹1,000 + GST
  • Card Type – It is a Visa Credit Card.
  • Benefits – Some of the benefits of the card is given below –
  • With this card, you can earn reward points very easily from each transaction made with this card.
  • with the smart features of the card, you can track every single transaction made by your employees, it can help you to make a monthly budget very easily.
  • With this card you will get your program administrator, you can get help from them in case of any emergency.

Kotak Mahindra Corporate Gold Credit Card is a premium quality business credit card, it comes with low fees and many extraordinary features that you may need to run your business smoothly.

  • Kotak Mahindra Corporate Platinum Credit Card.
  • Fees –
  • Joining fee – None.
  • Annual Fee – ₹999 + GST
  • Card Type – It is a Visa Credit Card.
  • Benefits – There are some benefits of the card listed below –
  • With this card you can save up to ₹3,500 on fuel surcharges, conditions apply.
  • With the smart feature of the card you can, you can track the spending pattern of your company.
  • You will also get your own service manager and program manager, you can get help and financial advice from them.

If you are looking for a budget credit card for your business, then this card can be a good choice for you. It offers many extraordinary benefits at a low cost.

  • RBL Corporate Purchase Card.
  • Fees –
  • Joining fee – None.
  • Annual Fee – None.
  • Card Type – It is a MasterCard Credit card.
  • Benefits – Some of the benefits of the card given below –
  • You can earn up to 2 reward points from each of the expenses made with this card, conditions apply.
  • This card comes with its own dedicated relationship manager, you can get help from him in case of any emergency.
  • You can get up to ₹2 lakh lost card or fraud liability protection, conditions apply.

RBL Corporate Credit card is a budget business credit card, but it comes with all the features that can help you to run your business more smoothly. 

  • Dena Laghu Udyami Credit Card Scheme.
  • Fees –
  • Joining fee – None.
  • Annual Fee – ₹250 + GST
  • Card Type – It is a RuPay Credit card.
  • Benefits – Some of the benefits of the card is given below –
  • This card offers a huge credit limit, to fulfill the financial needs of your company.
  • You can book your flight or train tickets more easily with this card,
  • This card allows you to pay your monthly bills in easy installments.

 Dena Laghu Udyami Credit Card Scheme is best for small start-ups and businesses, it has all the facilities that can help to grow your business, also it provides financial support to your business.

  1. RBL Travel & Entertainment Card.
  2. Fees –
  3. Joining fee – None.
  4. Annual Fee – None.
  5. Card Type – It is a MasterCard credit card.
  6. Benefits – Some of the benefits of the card are given below. 
  7. You can earn reward points on each transaction made with this card, conditions apply.
  8. You will get a dedicated relationship manager with this card, you can get assistance from him for any problems.
  9. This card offers a customizable spending limit it helps to set a monthly budget for your company.

RBL Travel & Entertainment Card is a budget corporate card, but it can save a big amount of money monthly also with its smart features you can set a budget for your company more easily.

A credit card is a very useful financial tool, if you can use it properly it can give you unmatched benefits to your business. Also, if you are building a start-up it can give you the necessary financial support and help you to build a platform. However, there are some reasons given below for which you should get a business credit card –

  1. A credit card helps to create a credit history, and if you can use your card properly, it will create a good credit reputation for your company.
  2. A credit card can give you the necessary financial support that you may need to run your company or build a platform for yourself.
  3. Your Business-related spends should be kept separate from your personal expenses, and a business credit card can help you to do that.
  4. One of the most useful features of a business credit card is that it lets you track the expenses in detail, it helps a lot to create a budget for the company.

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