Business finance - Invest Gloo

Running a business in India certainly needs smart financial tools, and a business credit card is definitely one of the most valuable assets you can have. A rewards business credit card will be very helpful in case you are managing vendor payments, booking travel, or purchasing office equipment. Best Business Credit Cards with Rewards. It will not only allow you to save money but also earn benefits. In this article we will look at the top business credit cards in India that allow earn cashback, reward points, travel benefits as well as business-related perks. These cards are suitable for entrepreneurs, startups, and SMEs. What is a Business Credit Card? A business credit card is designed specially for business-related expenses . Business credit cards differ from personal credit cards in a way that business cards often provide higher credit limits, allow the issuing of several cards, a variety of reward categories, and are able to track expenses.Can provide you the business-specific categories. Benefits of Business Credit Cards in India Get reward points or cashback on business transactions. Get a separate account for business expenses from personal ones. Give employees add-on cards, but keep the budget controlled. Get monthly reports to help you manage your spending better. Enjoy exclusive offers on fuel, travel, advertising, and more with these cards Best Business Credit Cards with Rewards in India (2025) Here are some of the most rewarding business credit cards to consider when applying in India, ranked by their features, rewards, and business value. 1. HDFC Business Money Back Credit Card The best credit card for: Cashback and small business spending Key Features: 2 reward points on every ₹150 spent 5X rewards on online spends Fuel surcharge waiver (up to ₹250/month) Spend-based annual fee waiver Annual Fee: ₹500 + GST Why choose it: Ideal for small businesses and startups that only need basic rewards and low fees. 2. SBI Platinum Corporate Card SBI Platinum Corporate Card is Mid-to-large-sized enterprises with corporate expenses Key Features: High credit limits for corporate spends Detailed expense reports Accepted globally Customisable controls for employee usage Annual Fee: Based on usage and company profile Why choose it: Provides enterprise-grade control, detailed MIS reports, and acceptance worldwide. 3. ICICI Bank Business Advantage Black credit card Best for: This ICICI business advantage clack card provides reward maximisation and GST benefits. Features of This card: 1% cashbacks on all the spends. Cashback is directly transferred to your statement. GST input tax credit is creditable Provides you spend based fee waiver. Annual Fee: ₹1000+GST Why this: ideal for businesses looking for simple tax claims and earn automatic rewards. 4.Axis Bank My Business Credit Card This card is best for the Business travel and airlines reward if your business involves more travelling go for this one. Features: Complimentary airport lounge access. Reward points on all business transactions. Provides Fuel surcharge waiver Comprehensive MIS reports Annual Fee: ₹999+ GST Why to Choose: Combines all the reward benefits with travel features, great for client or business trips. 5. Kotak Corporate Credit Card: This card is best for the corporate control and vendor payments. This provides the features like: Real-time expense tracking Employee-wise usage control Corporate liability options. GST-compliant billing Annual Fee: Customised as per the corporate agreement. Offers flexibility, transparency, and scalability for large organisation. How to Choose the Right Business Credit Card Choosing the best credit card in India is depends upon the needs of your business some of the options to consider are as follows: Business Need Recommended Card Low fees, basic cashback HDFC Business MoneyBack Travel perks and rewards Axis Bank My Business Credit Card Corporate-level control SBI Platinum Corporate Card GST Input credit, cashback ICICI Business Advantage Black Employee tracking, control Kotak Corporate Credit Card Eligibility Criteria For the Business Credit Card In India: While the criteria may vary by bank to bank, here are some common requirements for applying for a business credit card: Registered business entity can apply for the card Should have valid GST registration (if applicable) Minimum annual turnover as specified by the bank Good business credit or personal credit score Should have a PAN card and address proof of the business. Documents required for Business Credit Card: PAN card and Aadhar card of the business owner. Business registration certificate. Bank Statement (last 6-12 months) GST certificate (if applicable) ITR or financial of the business. How to apply? Visit the bank’s official website or the nearest branch. Choose your preferred business credit card Fill out the application form and upload the required documents. Wait for the verification and approval process ( can usually takes 5-7 working days) Conclusion Business credit card in India are no longer just about making payments —they are tools managing the cash flows, tracking every expense, and earning valuable rewards. Evaluate your monthly business expenses,reward preferences and the card fee before choosing the right one for you. Frequently Asked Questions: Q1. Are business credit cards available without GST ? Yes, but having the GST number improves the credibility and eligibility. Q2. Are business credit ard different from the personal one? Yes, business credit card is different from the personal as ot provides the features related to the business operations. Q3. Can I track the employee spendings with the business cards? Yes, most of the business cards allow you to set limits and get the detailed report of the spendings. Q4. Are rewards earned on the business credit card taxable? Generally, rewards are not taxable unless received as cash or as a discount.