Best business credit cards in India
Business cards are built for company spend rather than personal use — higher limits, purchase and fleet-specific programs, and rewards tuned to B2B categories. Below are the business-purpose cards in our catalog, ranked by base reward rate.
Ranked using our methodology. Want a personalized pick instead? Find my card →
Rates last verified 24 October 2026 · No bank pays us to rank higher.
HDFC Bank
HDFC Bank BizBlack Metal Edition Credit Card
3.33% base reward · ₹10,000 annual fee
Why it's ranked here: Unlimited domestic and international airport lounge access with no spend gate
Axis Bank
Axis Bank Business Supreme Master Credit Card
2% base reward · ₹1,500 annual fee
Why it's ranked here: 16 lounge visits a year (4/quarter) is generous for a sub-₹2,000 fee card
Axis Bank
Axis Bank MY Business Credit Card
2% base reward · ₹499 annual fee
Why it's ranked here: Broad self-employed eligibility covering proprietors, partnerships, doctors and other professionals
Axis Bank MyBiz Credit Card
Mastercard
Axis Bank
Axis Bank MyBiz Credit Card
2% base reward · ₹2,500 annual fee
Why it's ranked here: World Mastercard tier brings lounge access, travel insurance and Priceless.com experiences
Axis Bank
Axis Bank Executive Corporate Credit Card
2% base reward · ₹3,500 annual fee
Why it's ranked here: Generous lounge access: 4 domestic visits a quarter and 8 international visits a year
Yes Bank
YES Bank FIRST Business Credit Card
2% base reward · ₹999 annual fee
Why it's ranked here: Strong 8+6 lounge access for a ₹999 fee card
IndusInd Bank
IndusInd Bank Vriddhi Business Card
2% base reward · ₹4,999 annual fee
Why it's ranked here: Welcome vouchers largely offset the joining fee
HDFC Bank
HDFC Bank BizGrow Credit Card
1.5% base reward · ₹500 annual fee
Why it's ranked here: 1.5% base cashback rate, a step up from BizFirst's 1%
HDFC Bank
HDFC Bank BizPower Credit Card
1.25% base reward · ₹2,500 annual fee
Why it's ranked here: 5X points on IT/GST, bill payments, Google/Meta ads, Reliance Digital and MMT MyBiz travel (up to 7,500 points a cycle)
HDFC Bank
HDFC Bank BizFirst Credit Card
1% base reward · ₹500 annual fee
Why it's ranked here: Low, easily-waived ₹500 annual fee on ₹50,000 of yearly business spend
HDFC Bank
HDFC Bank Flipkart Wholesale Credit Card
1% base reward · ₹499 annual fee
Why it's ranked here: Zero joining fee lowers the barrier for small B2B sellers and kirana store owners to try the card
HDFC Bank
HDFC Bank UPI RuPay Biz Credit Card
1% base reward · ₹99 annual fee
Why it's ranked here: Rewards apply to UPI payments to vendors and utilities, not just traditional card transactions