Best Overall
Paytm HDFC Bank Business Credit Card
HDFC
7.2
Rating
The strongest all-round choice for most readers comparing business cards today.
Annual Fee
₹500
Reward Rate
100%
BusinessCashbackUtilities
17 cards
Updated Mar 15, 2026high confidence
Best Business Cards in India (April 2026)
Cards built for business expenses, travel, GST-related use cases, and high monthly transaction volumes.
corporateexpense managementbusiness travelGST
17
Compared Cards
1
Free Options
₹2,165
Average Annual Fee
Built for expense-heavy users
Travel and operational value both considered
Fee recovery tied to recurring business spend
TL;DR
Quick Picks for Business Cards
These picks are designed to answer the most common category decisions first, before you read the full comparison.
Best for Heavy Spenders
Paytm HDFC Bank Business Credit Card
HDFC
7.2
Rating
Best suited to users who can justify a fee and consistently earn through high monthly spend.
Annual Fee
₹500
Reward Rate
100%
BusinessCashbackUtilities
Best Free Option
Kotak Mahindra Bank Fortune Gold
KOTAK
3.5
Rating
The most defensible no-fee pick if you want category value without renewal cost.
Annual Fee
Free
Reward Rate
100%
BusinessCashbackFuel
Expert Insights
Consistency matters most
Business cards create value when recurring expense categories are stable enough to take advantage of their category-led rewards.
Do not overbuy features
Premium business benefits only pay off when your organization will use them regularly enough to offset the fee.
Comparison Table
Compare Fees, Reward Rates, and Ratings
Compare Business Cards
Sort by fee, rewards, best-fit tags, or editor rating.
Sorted by rating (high to low)
HDFC Bank BizBlack Metal Edition Credit Card
HDFC
9.2/10
Annual Fee
₹10,000
Reward Rate
30%
Best For
business, travel
Network
Visa
Paytm HDFC Bank Business Credit Card
Editor's PickHDFC
7.2/10
Annual Fee
₹500
Reward Rate
100%
Best For
Business, Cashback
Network
Visa
HDFC Bank BizBlack Metal Card
HDFC
4.8/10
Annual Fee
₹10,000
Reward Rate
30%
Best For
Business, Travel
Network
Diners Club
HDFC Bank BizPower
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
50%
Best For
Business, Travel
Network
Visa
HDFC Bank Business Regalia
HDFC
4.2/10
Annual Fee
₹2,500
Reward Rate
20%
Best For
Business, Travel
Network
Visa
American Express Gold Corporate Card
AMEX
4.0/10
Annual Fee
₹3,100
Reward Rate
25%
Best For
Business, Travel
Network
American Express
HDFC Bank GIGA Business Credit Card
HDFC
4.0/10
Annual Fee
₹500
Reward Rate
25%
Best For
Business, Cashback
Network
Visa
American Express Corporate Purchasing Card
AMEX
3.5/10
Annual Fee
₹2,100
Reward Rate
N/A
Best For
Business, Procurement
Network
American Express
American Express Green Corporate Card
AMEX
3.5/10
Annual Fee
₹2,100
Reward Rate
25%
Best For
Corporate, Business
Network
American Express
HDFC Bank BizFirst Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
15%
Best For
Business, Rewards
Network
RuPay
HDFC Bank BizGrow Credit Card
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
25%
Best For
Business, Rewards
Network
RuPay
HDFC Bank Business Moneyback
HDFC
3.5/10
Annual Fee
₹500
Reward Rate
20%
Best For
Business, Cashback
Network
Mastercard
HDFC Bank Flipkart Wholesale Credit Card
HDFC
3.5/10
Annual Fee
₹499
Reward Rate
100%
Best For
Business, Cashback
Network
Diners Club
Kotak Biz Credit Card
KOTAK
3.5/10
Annual Fee
₹499
Reward Rate
25%
Best For
Business, Travel
Network
Visa
Kotak Mahindra Bank Fortune Gold
KOTAK
3.5/10
Annual Fee
Free
Reward Rate
100%
Best For
Business, Cashback
Network
Visa
Retailio HDFC Bank Credit Card
HDFC
3.5/10
Annual Fee
₹499
Reward Rate
20%
Best For
Business, Rewards
Network
Visa
HDFC Bank Business Freedom Credit Card
HDFC
3.0/10
Annual Fee
₹500
Reward Rate
10%
Best For
Business, Rewards
Network
Visa
| Card | Action | ||||
|---|---|---|---|---|---|
| ₹10,000 | 30% | businesstravellounge-access | 9.2/10 | ||
Paytm HDFC Bank Business Credit CardEditor's Pick HDFC | ₹500 | 100% | BusinessCashbackUtilities | 7.2/10 | |
| ₹10,000 | 30% | BusinessTravelLuxury | 4.8/10 | ||
| ₹2,500 | 50% | BusinessTravelRewards | 4.2/10 | ||
| ₹2,500 | 20% | BusinessTravelLifestyle | 4.2/10 | ||
| ₹3,100 | 25% | BusinessTravelRewards | 4.0/10 | ||
| ₹500 | 25% | BusinessCashbackSME | 4.0/10 | ||
| ₹2,100 | N/A | BusinessProcurement | 3.5/10 | ||
| ₹2,100 | 25% | CorporateBusinessRewards | 3.5/10 | ||
| ₹500 | 15% | BusinessRewardsUPI | 3.5/10 | ||
| ₹500 | 25% | BusinessRewardsUtilities | 3.5/10 | ||
| ₹500 | 20% | BusinessCashbackRewards | 3.5/10 | ||
| ₹499 | 100% | BusinessCashbackShopping | 3.5/10 | ||
| ₹499 | 25% | BusinessTravelRewards | 3.5/10 | ||
| Free | 100% | BusinessCashbackFuel | 3.5/10 | ||
| ₹499 | 20% | BusinessRewardsCashback | 3.5/10 | ||
| ₹500 | 10% | BusinessRewardsCashback | 3.0/10 |
How to Choose
What Matters Most in Business Cards
Key factors to compare
- Business spending categories and merchant fit
- Travel and expense-management benefits
- Annual fee recovery through predictable monthly spend
What to look for
- A rewards structure that reflects business purchases
- Useful statement, GST, or partner-service support
- Travel perks if business travel is frequent
Common mistakes
- Using a business card for low-volume personal spending
- Paying for premium business features you do not use
- Ignoring category caps on operational expenses
Expanded Grid
Individual Card Breakdowns
16 paid cards and 1 free cards in this category.
HDFC
HDFC Bank BizBlack Metal Edition Credit Card
businesstravellounge-access
9.2
Editor Rating
Annual Fee
₹10,000
Reward Rate
30%
Network
Visa
Mini Pros
Annual fee of ₹10,000
30% base reward rate
Strong 9.2/10 editor rating
Watchouts
You need enough yearly value to offset the ₹10,000 fee
HDFC
Paytm HDFC Bank Business Credit Card
BusinessCashbackUtilities
7.2
Editor Rating
Annual Fee
₹500
Reward Rate
100%
Network
Visa
Mini Pros
Annual fee of ₹500
100% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank BizBlack Metal Card
BusinessTravelLuxury
4.8
Editor Rating
Annual Fee
₹10,000
Reward Rate
30%
Network
Diners Club
Mini Pros
Annual fee of ₹10,000
30% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹10,000 fee
HDFC
HDFC Bank BizPower
BusinessTravelRewards
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
50%
Network
Visa
Mini Pros
Annual fee of ₹2,500
50% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹2,500 fee
HDFC
HDFC Bank Business Regalia
BusinessTravelLifestyle
4.2
Editor Rating
Annual Fee
₹2,500
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹2,500
20% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹2,500 fee
AMEX
American Express Gold Corporate Card
BusinessTravelRewards
4.0
Editor Rating
Annual Fee
₹3,100
Reward Rate
25%
Network
American Express
Mini Pros
Annual fee of ₹3,100
25% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹3,100 fee
HDFC
HDFC Bank GIGA Business Credit Card
BusinessCashbackSME
4.0
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
AMEX
American Express Corporate Purchasing Card
BusinessProcurement
3.5
Editor Rating
Annual Fee
₹2,100
Reward Rate
N/A
Network
American Express
Mini Pros
Annual fee of ₹2,100
Good fit for business
Watchouts
You need enough yearly value to offset the ₹2,100 fee
Best value depends on category-specific perks rather than flat rewards
AMEX
American Express Green Corporate Card
CorporateBusinessRewards
3.5
Editor Rating
Annual Fee
₹2,100
Reward Rate
25%
Network
American Express
Mini Pros
Annual fee of ₹2,100
25% base reward rate
Good fit for corporate
Watchouts
You need enough yearly value to offset the ₹2,100 fee
HDFC
HDFC Bank BizFirst Credit Card
BusinessRewardsUPI
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
15%
Network
RuPay
Mini Pros
Annual fee of ₹500
15% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank BizGrow Credit Card
BusinessRewardsUtilities
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
25%
Network
RuPay
Mini Pros
Annual fee of ₹500
25% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Business Moneyback
BusinessCashbackRewards
3.5
Editor Rating
Annual Fee
₹500
Reward Rate
20%
Network
Mastercard
Mini Pros
Annual fee of ₹500
20% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
HDFC
HDFC Bank Flipkart Wholesale Credit Card
BusinessCashbackShopping
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
100%
Network
Diners Club
Mini Pros
Annual fee of ₹499
100% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹499 fee
KOTAK
Kotak Biz Credit Card
BusinessTravelRewards
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
25%
Network
Visa
Mini Pros
Annual fee of ₹499
25% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹499 fee
KOTAK
Kotak Mahindra Bank Fortune Gold
BusinessCashbackFuel
3.5
Editor Rating
Annual Fee
Free
Reward Rate
100%
Network
Visa
Mini Pros
No annual fee to recover
100% base reward rate
Good fit for business
Watchouts
Benefits may be lighter than premium alternatives
HDFC
Retailio HDFC Bank Credit Card
BusinessRewardsCashback
3.5
Editor Rating
Annual Fee
₹499
Reward Rate
20%
Network
Visa
Mini Pros
Annual fee of ₹499
20% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹499 fee
HDFC
HDFC Bank Business Freedom Credit Card
BusinessRewardsCashback
3.0
Editor Rating
Annual Fee
₹500
Reward Rate
10%
Network
Visa
Mini Pros
Annual fee of ₹500
10% base reward rate
Good fit for business
Watchouts
You need enough yearly value to offset the ₹500 fee
FAQ
Common Questions About Business Cards
Can I claim GST input tax credit on business credit card fees?
Yes, if you provide your company's GSTIN at the time of application, you can claim the 18% GST paid on the annual fee and interest charges as an input tax credit for your business.
Do business credit cards affect my personal credit score?
For most SME and Proprietorship cards in India, the bank reports the activity to credit bureaus under the individual's PAN. Therefore, late payments will negatively impact your personal credit score.
Are tax payments eligible for reward points?
Only specific business cards like HDFC Biz Black or Biz Power offer rewards on tax payments. Most standard personal credit cards have excluded tax payments from reward programs as of 2024-2025.