To make a successful business, a credit card is the best option in 2025. Small and startup businesses need immediate funds. Choosing the right business credit card can be one of the challenges of working in a professional environment.
We make it easy to choose the best business credit cards in India in 2025. These cards manage your cash flow and earn rewards on every spend.
5 Best Business Credit Cards in India 2024
| Credit Cards | Annual Fee | Benefits |
| SBI Platinum Corporate Credit Card | NIL | Priority pass membership with nil joining & annual charge |
| Axis Bank My Business Credit Card | Rs. 499 (1st year free) | 1% cashback with 15% dining bill discount and other benefits |
| RBL Bank Corporate Purchase Card | NIL | 1% cashback with 15% dining bil discount and other benefits |
| ICICI Bank Business Advantage Black Credit Card | Rs. 1,500 (1st year free) | Internationally accepted and Interest-free period of 50 days |
| HDFC Business MoneyBack Credit Card | Rs. 500 | 2 reward points on Rs. 150 spent and 5% cashback on railway, utility & hotel spent |
SBI Platinum Corporate Credit Card
It will make it easier to track all business expenses from the SBI Platinum Corporate Credit Card. With zero joining & renewal fees, this card is more convenient. Get other benefits such as travel insurance, airport lounge, etc.
Features
- No joining and annual charges
- Track employee transactions
- Preloaded travel insurance
- Access airport lounge features
- Interest-free period up to 50 days
- Get employee fraud insurance cover
- Priority Pass Program member at Rs. 180 annual fee
Axis Bank My Business Credit Card
Axis Bank covers all your business-related costs smoothly with the Axis Bank My Business Credit Card. This card expands all benefits across different categories like reward points, lounge access, EMI converts, and more.
Features
- The joining fee is small, that is Rs. 999 + GST
- Receive 4 reward points on Rs. 200 spending
- Cash withdrawal is avail up to 30% of a credit limit
- Convert all expenses to EMI
- Domestic lounge access quarterly, 2 free
- Fuel charge waived for 1% of spending
- Pay bills automatically with zero-touch
Also Read: Top 6 Rewards Credit Cards in India
RBL Bank Corporate Purchase Card
Business or organizer-related transactions require faster which is offered by the RBI Bank Corporate Purchase Card. All business expenses, like utility bills and bulk payments, are on this card with global use. Interest-free for 50 days is available with the RBL Corporate Purchase card.
Features
- There is no charge for joining and annual fees
- Worldwide use is accepted with this card
- Cover of 2 lakh for lost liability
- Interest-free time of 50 days available
- Use the corporate name on the card
- Replace easily for emergency cases
ICICI Bank Business Advantage Black Credit Card
You should use the ICICI Bank Business Advantage Black Credit Card as a business owner. Benefits available of air accident cover, non-air accident cover, lost baggage cover & more. Experience complete safeguarding with Zero Liability protection.
Features
- 1% cashback points whenever you spend
- 2 free airport lounge accesses in India
- Air accident death cover of Rs. 75 lakh
- Get a 15% discount on dining bills across 11 cities
- Credit shield cover of Rs. 50,000
- Fuel charge waived by 1% on HPCL petrol pumps
- Spend Rs. 75,000 within 60 days for the first-year fee waived off
HDFC Business MoneyBack Credit Card
Earn every reward on your business-related transactions from the HDFC Business MoneyBack Credit Card. Receive 5% cash back on business expenses like hotels, railway, utility bills & cab booking spend. This card is best for self-employed professionals.
Features
- Waived joining charge on Rs. 50,000 spend
- 5% cashback points on hotels and railway spending.
- Take 5X points on fuel-related expenses
- Get a loan against a MoneyBack Credit Card
- Enjoy an interest-free period of 50 days
- Easy to convert business expenses into EMI
- Access 2 rewards points on Rs. 150 spent
- Track expenses from the application
Business Credit Cards Eligibility Criteria
- Self-employed individuals can apply
- Age must be: 21 to 60 years
- CIBIL: 730+ must required
- Income on ITR File Rs. 2.5 lakh or above needed.
FAQs on Best Business Credit Cards
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What are the income criteria you must have for a business credit card?
A self-employed person with 2 years of ITR file & 6 months of bank-related transactions must be required to apply for a business credit card.
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How much credit score is good to apply for a business credit card?
A credit score of 730+ is ideal for a business credit card application.
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What is the perfect age for a business credit card application?
The perfect age is 21 to 60 years for applying for a business credit card.
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Is the ITR file needed for a business credit card?
Some lenders, such as HDFC Bank, Axis Bank, and SBI Bank, offered pre-approved credit cards. But in most cases, when you are going to apply directly, an ITR file must be required.