A business credit card is a card specifically designed for business expenses rather than for an individual’s personal use. Business 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 best 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 July 2025
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 around 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
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 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
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
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
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 business travel expenses. 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