Compare the Best Business Credit Cards in India for 2025
Looking for the best business credit card in India to manage your company expenses? Whether you’re a Businessman in Hyderabad, a startup in Bengaluru, or an SME in Mumbai, this guide compares the top 5 business credit cards with features, fees, and benefits to help you choose the right one. Discover high-limit cards, cashback offers, and travel perks tailored for Indian entrepreneurs.
Why Business Credit Cards Matter
Business credit cards are more than just plastic—they’re powerful financial tools that help you:
- Separate personal and business expenses
- Track spending across departments
- Earn rewards on business purchases
- Build your company’s credit profile
Whether you’re running a tech startup in Hyderabad or a logistics firm in Delhi NCR, choosing the right card can save you money and simplify your financial operations.
Comparison Table: Top 5 Business Credit Cards in India (2025)
Here’s a side-by-side look at the best business credit cards available in India right now:
| Credit Card Name | Annual Fee | Best For | Key Benefits | Reward Type | GEO-Specific Suitability |
|---|---|---|---|---|---|
| HDFC BizBlack Metal Edition | ₹10,000 + GST | Premium Business Travel | 5X rewards on business spends, Taj vouchers, unlimited lounge access | Reward Points | Ideal for founders in Mumbai & Bengaluru Apply Link |
| HDFC BizPower Credit Card | ₹2,500 + GST | General Business Expenses | Amazon Prime, Biz Prime memberships, 5X rewards on select spends | Reward Points | Great for SMEs in Pune & Hyderabad Apply Link |
| ICICI Business Advantage Black Card | ₹1,500 + GST | Cashback on All Spends | Up to 1% cashback, fuel surcharge waiver | Cashback | Suitable for service firms in Delhi NCR Apply Link |
| Axis Business Supreme MasterCard | ₹1,500 + GST | Marketing & Advertising | 6 rewards per ₹200 on ad spends, travel perks | Reward Points | Perfect for digital agencies in Chennai Apply Link |
| American Express Platinum Corporate Card | ₹40,000 + GST | High-Spend Corporates | Lounge access, Taj/Amazon/MMT vouchers, fuel surcharge waiver | Reward Points | Best for large firms in Gurugram & Noida Apply Link |
Deep Dive Into Each Card
1. HDFC BizBlack Metal Edition Credit Card
- Who It’s For: High-spending entrepreneurs and frequent business travelers
- Key Benefits:
- 5X reward points on select business categories
- Club Marriott membership
- Taj Stay voucher worth ₹5,000
- Unlimited complimentary access to domestic and international airport lounges. (domestic & international)
- Includes a Club Marriott annual membership, vouchers, and exclusive business insurance benefits.
- Why It’s Great: Ideal for founders in Mumbai and Bengaluru who travel often and want premium perks.
2. HDFC BizPower Credit Card
- Who It’s For: Small businesses and startups
- Key Benefits:
- Amazon Prime Annual + Biz Prime 6-month memberships
- 5X rewards on business spends
- Affordable annual fee
- Why It’s Great: Perfect for SMEs in Hyderabad and Pune looking for value and rewards.
3. ICICI Business Advantage Black Card
- Who It’s For: Businesses focused on cashback and fuel savings
- Key Benefits:
- Up to 1% cashback on domestic and international spends.
- Fuel surcharge waiver
- Easy expense tracking
- Provides complimentary domestic lounge access, joining fee and annual fee waivers based on spending, and insurance benefits.
- Why It’s Great: Great for service-based firms in Delhi NCR with consistent monthly expenses.
4. Axis Business Supreme MasterCard
- Who It’s For: Companies spending heavily on marketing and advertising
- Key Benefits:
- Earns 6 reward points per ₹200 on marketing and advertising spends and 8 reward points per ₹200 on international spends.
- Travel and hotel discounts. Offers complimentary domestic airport lounge visits.
- Business insurance coverage
- Bonus points: Receive bonus reward points for reaching specific annual spending milestones.
- Why It’s Great: Ideal for digital marketing agencies in Chennai and Bengaluru.
5. American Express Platinum Corporate Card
- Who It’s For: Large corporates with high monthly spends
- Key Benefits:
- Lounge access to 1200+ global lounges
- Taj, Amazon, or MMT vouchers worth up to ₹35,000
- Hertz Gold Plus Rewards membership
- Why It’s Great: Tailored for large firms in Gurugram, Noida, and Tier-1 cities with global operations.
Tips for Choosing the Right Business Credit Card
- Assess Your Spending Habits: Choose a card that rewards your most frequent business expenses.
- Check Eligibility: Ensure your business meets the income and registration requirements.
- Compare Fees vs. Benefits: A higher fee may be worth it if the perks save you more.
- Look for GST Input Credit: Cards that support GST claims can reduce your tax burden.
- Consider Employee Cards: If you have a team, look for cards that offer supplementary cards with spending controls.
- Check business-specific features: Consider features that help streamline your business operations, such as expense tracking tools, higher credit limits, or control over employee spending
🧭 Final Thoughts
Choosing the right business credit card can transform how you manage finances. Whether you’re a freelancer in Shaikpet, a startup in Hyderabad, or a corporate in Gurugram, there’s a card tailored to your needs. Use this guide to compare features, fees, and perks—and make a smart financial move for your business.
Want help applying or comparing more cards based on your business type? I’d be happy to assist with a personalized recommendation.
❓ FAQs
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