Best Business Credit Card in India 2022
List of Best Credit Cards for Business Owners
- SBI Platinum Corporate Credit Card
- HDFC Bank Business MoneyBack Credit Card
- Citi Bank Corporate Credit Card
- Yes Bank Prosperity Business Credit Card
- Kotak Fortune Gold Credit Card
Credit Card | Best For | Annual Fee (INR) | Best Features |
---|---|---|---|
SBI Platinum Corporate Credit Card | Insurance Cover | Nil | Zero joining and annual fee, Travel insurance |
HDFC Business MoneyBack Credit Card | Reward, Cashback, Dining | 1000 | 5% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi |
Citi Corporate Credit Card | Lounge Access, Dining, Travel | Communicated at the time of sourcing | Benefit from streamlined travel and entertainment expense |
Yes Prosperity Business Credit Card | Reward, Lounge Access, Golf | 2499 | 10,000 Reward Points on your first transaction done within 30 days, Anniversary |
Kotak Fortune Gold Credit Card | Interest Free Cash, Movie | NIL | Higher reward point earnings (points can be redeemed every quarter) |
5. Kotak Fortune Gold Credit Card

Kotak Fortune Gold Credit Card
No joining and annual fees.
Easy Cash Access
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- Kotak and other VISA ATMs
- Cash and fund transfer at branch
- Call for a demand draft
- Fund transfer and demand draft online
Interest Free Cash
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- Enjoy higher cash limit: 50% of your credit limit
- Cash Advance fee of Rs. 199 per Rs. 10,000 or part thereof
- Available all year around Up to 48 days
Fuel Surcharge Waiver
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- Applicable on Transactions between Rs. 500and Rs. 3000
- Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500
Kotak Fortune Shield
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- In case your Credit Card is stolen, you get a cover of Rs. 50,000 against fraudulent usage up to 7 days pre-reporting
- In case your Credit Card is stolen, you get a cover of Rs. 50,000 against fraudulent usage up to 7 days pre-reporting
Add-on Card
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- Your Add-on Card will have all the benefits that you enjoy on your Card
- Your Add-on Card will have all the benefits that you enjoy on your Card
Extra Benefits
- Spend Rs. 1, 50,000 in a year and get 4 free PVR tickets OR Cash back of Rs. 750
- You must be age between 21 to 65 years
- Income Rs. 3 Lakhs or above per annum
- Applicant should be a resident of India
- For Businessmen only
- Location - Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
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No Joining and Annual Fees
4. Yes Bank Prosperity Business Credit Card

Yes Prosperity Business Credit Card
Joining and Annual fees- ₹399
Reward Points
- 10,000 Reward Points on annual spends of INR 6 Lakhs or more in each anniversary year
- 5X Reward Points on first 3 transactions of the biller registered on YES PayNow
- 4 Reward Points for every INR 200 on all categories
- 2 Reward Points for every INR 200 on Select categories
Lounge Access
- 3 complimentary visits per calendar year at airports outside India (Mastercard)
- 3 Complimentary Airport Lounge Visits per calendar year through the LoungeKey Program (VISA)
- Primary Cardmembers enjoy Domestic Lounge access, limited to 1 visits per quarter, across 30+ lounges in India
Fuel surcharge waived
- 1% Fuel surcharge is waived across fuel stations in India for transactions between INR 400 to INR 5,000
Golf Program
- Waiver of green fee at select golf courses in India
- Enjoy one complimentary golf lesson every calendar month
- Customer must be over 21 years but less than 70 years
- Minimum Income Tax Return of INR. 5 Lakhs
- Self Employed, Proprietors and Partners of Partnership firms
- Joining and Annual fee- Rs. 399
- Annual fee waived off spends of INR 1 lakhs or more within a year
3. Citi Bank Corporate Credit Card

Citi Corporate Credit Card
Joining and Annual fees– Is communicated at the time of sourcing
Reward points
- 2 reward points/ Rs. 125 spent
Lounge access
- Avail complimentary access to domestic airport lounges
Dining Privileges
- Up to 15% savings across participating restaurants
Travel and Lifestyle Services
- Streamlined travel and entertainment expense reporting along with the strategic advantages of process automation
Fuel Surcharge Waiver
- 1% fuel surcharge waiver at any Indian Oil fuel stations
- You should be age of 23 years
- Only Salaried and Person are eligible
- Minimum Income Rs. 25,000 per month
- Should be Indian or Non Resident Indian
- Is communicated at the time of sourcing
2. HDFC Bank Business MoneyBack Credit Card

HDFC Business MoneyBack Credit Card
Joining and Annual fees- ₹500
Reward Points
- 4 Reward Points on online spends
- 2 Reward Points on all other expenses
- 5X Reward Points on Fuel
Cashback
- 5% Cashback on Telecom, Utility, Govt & Tax Payments. (Maximum cashback of Rs.250)
Fuel Surcharge Waiver
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- 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400)
- 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400)
Dining Benefit
- Upto 20% on dining bills paid through dineoutPAY
- Maximum discount per transaction capped at 1000 Rs.
- Maximum discount per customer per month capped at 1000 Rs.
- Should be between the age of 21 to 65 years self-employed Person
- Annual ITR above Rs 6 Lakhs
- Joining & Renewal Fees – ₹500
- Renewal Fee waived off Spend Rs. 50,000 in 12 Months
1. SBI Platinum Corporate Credit Card

SBI Platinum Corporate Credit Card
No joining and annual fees.
Priority Pass Program
- Easily become a Priority Pass Program member at an annual charge of Rs. 180 + applicable taxes
Insurance Cover
- Fraud Related Insurance
Cover | Details |
On Individual cards | Equal to the credit limit of the card, subject to a maximum amount of Rs. 2 lakhs |
At a corporate level | Per corporate entity the cover is limited to a maximum of Rs. 60 lakhs |
- Travel insurance
Cover | Details |
Air accidental death | If the ticket is purchased on the corporate card, sum assured is Rs. 50 lakhs |
Lost card liability | For misuse of the lost card- 7 days prior notification and 7 days post notification, sum assured is upto Rs. 3 lakhs. For fraud add-on cover against Counterfeit (including Phishing & Vishing), Skimming and Online Frauds, sum assured is upto Rs. 2 lakhs. |
Travel insurance | For baggage loss,sum assured is up to Rs. 75,000 |
For baggage delay, sum assured is up to Rs. 7,500 | |
For loss of passport (only international), sum assured is up to Rs. 12,500 | |
For flight delay, sum assured is up to Rs. 15,000 |
- You should be between the age of 18 to 70
- Salaried or self-employed both are eligible
- Minimum Income Rs. 60,000 per month
- No joining and annual fees.