Best Business Credit Card in India 2022

List of Best Credit Cards for Business Owners

Credit CardBest ForAnnual Fee (INR)Best Features
SBI Platinum Corporate Credit CardInsurance CoverNilZero joining and annual fee, Travel insurance
HDFC Business MoneyBack Credit CardReward, Cashback, Dining10005% Cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining and Taxi
Citi Corporate Credit CardLounge Access, Dining, TravelCommunicated at the time of sourcingBenefit from streamlined travel and entertainment expense
Yes Prosperity Business Credit CardReward, Lounge Access, Golf249910,000 Reward Points on your first transaction done within 30 days, Anniversary
Kotak Fortune Gold Credit CardInterest Free Cash, MovieNILHigher reward point earnings (points can be redeemed every quarter)

5. Kotak Fortune Gold Credit Card

Kotak Fortune Gold Free Credit Cards in India
Kotak Fortune Gold Credit Card

No joining and annual fees.

Easy Cash Access

    • 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

    • 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

    • Applicable on Transactions between Rs. 500and Rs. 3000
    • Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500

Kotak Fortune Shield

    • 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

    • 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
  • No Joining and Annual Fees

4. Yes Bank Prosperity Business Credit Card

Yes 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 Cards
Citi Corporate Credit Card

Joining and Annual feesIs 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
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

    • 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 Cards
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.

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