21 Best Business Credit Cards in India 2025

Corporate credit cards or business credit cards are designed for self-employed individuals, partnership firms, sole proprietors, and corporate entities. They offer exclusive benefits to businesses that help them track and save on expenses.

In this article, we have explained in detail the advantages and disadvantages of business credit cards and listed the best business credit cards in India in 2025.

What is a Business Credit Card?

A business credit card is a credit card specifically designed for businesses. They work exactly like regular credit cards but have higher spending limits and more rewards, and they are tailored to suit specific business expenses. These cards help businesses streamline their costs, give them access to credit, and assist in building a good credit history.

They can also be linked to an expense management system through which all of a business’s expenses can be tracked in real-time. Both employers and employees can use business credit cards. Moreover, they come with control over spending limits, which can help employers control employee expenses.

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Features and Benefits of Best Corporate Credit Cards in India

When it comes to managing your business finances, choosing the right credit card can make all the difference. Here’s a detailed description of the features and benefits that make these business credit cards essential tools for your financial success.

1. SBI Platinum Corporate Card

Joining Fees

Nil

Lifetime Free

Yes

Annual Fee

Nil

Best For

Lounge Access

Insurance

The SBI Platinum Corporate Card provides a complete set of advantages and services aimed at streamlining organisational spending:-

Primary Business Benefits

• This card has tiered spend limitations, such as category restrictions for non-permitted businesses and customisable limits based on daily, weekly, or monthly usage.
• The SBI Platinum Corporate Card emphasises transactional security through its Chip & PIN function, which successfully guards against fraud risks.
• You can use solutions like Visa Intellink or SmartData Gen2 to analyse your expenses without changing your existing systems.

Additional Benefits

• It provides fraud-related insurance coverage of up to ₹2,00,000 lakhs per individual cardholder and ₹60,000,00 at the corporate level. Its travel insurance also covers a variety of circumstances.
• You also benefit from emergency services such as global replacement within 72 hours of reporting a missing card and emergency cash access.
• You can always take advantage of a variety of exclusive incentives, including complimentary lounge visits every quarter.

2. RazorpayX Corporate Card

Joining Fees

₹1,499

Lifetime Free

No

Annual Fee

₹1,499

Best For

Buying software tools

Low forex fee

The RazorpayX Corporate Card provides various benefits, specifically for businesses:-

Primary Business Benefits

• You can get savings on numerous Razorpay products while also enjoying customisable credit limits of up to ₹25,0000,000 without the need for collateral or personal guarantees.
• It offers up to 50 days of interest-free credit and special savings on over 500 software solutions, all tailored to your specific needs.
• You also get streamlined statements and payments with flexible billing cycles, as well as dedicated assistance when you need it.
• This corporate card, which costs ₹1499 per year and includes interesting reward points and cashback chances, transforms how you handle your funds in today's dynamic market scenario.

Additional Benefits

• The card provides strong governance and compliance requirements, resulting in significant savings for your organisation.
• With the capacity to conduct international transactions at minimal exchange fees, managing team spending becomes simple.

3. HDFC Business MoneyBack Credit Card

Joining Fees

500

Lifetime Free

No

Annual Fee

500

Best For

Shopping

Travel

Dining

The HDFC Business MoneyBack Credit Card provides a variety of tempting features and rewards designed specifically for business owners:-

Primary Business Benefits

• It's designed to maximise your rewards potential by allowing you to earn up to 4 Reward Points for every ₹150 spent online, as well as additional points for retail purchases.
• As an added benefit, spending ₹1,80,000 in a year can earn you an extra 2,500 Reward points.
• You can also benefit from practical benefits such as up to 50 days of interest-free credit and a monthly cashback of up to 5% on necessary business costs like electricity bills and taxes—though some limits apply regarding minimum monthly spending in the first year.

Additional Benefits

• If you lose your card, you can report it right away. You are always protected from liability for unauthorised purchases after that.
• Furthermore, you can take advantage of pre-approved fast loans or convert major purchases into manageable EMIs for essentials required to run your business efficiently.

4. Citibank Corporate Credit Card

Joining Fees

Communicated at the time of sourcing

Lifetime Free

No

Annual Fee

Communicated at the time of sourcing

Best For

Shopping

Travel

Dining

Citibank’s Corporate Credit Card provides a comprehensive array of services designed specifically for businesses seeking to optimise their financial processes:-

Primary Business Benefits

• The secure online bill payment function enables simple one-click payments for utilities while also facilitating bulk transactions with 'Verified by Visa' protection. Employees benefit from earning never-expiring reward points on purchases.
• Furthermore, if you are a corporate user, you benefit from exceptional savings on a variety of business services, such as travel and eating, with discounts of up to 15% at restaurants across India. 
• The card allows for convenient cashless payments at millions of merchants worldwide, as well as easy bookings via several channels.
• This card improves business productivity with features such as the Visa Intellilink Spend Management System. It streamlines spending management with online access and customisable reporting, as well as tools that help identify essential suppliers for better negotiations.

Additional Benefits

• Companies can also avoid the inconvenience of giving foreign exchange advances for employee travel and benefit from consolidated invoicing across all membership cards.
• Overall, Citibank's Corporate Credit Card blends pragmatism with useful features intended to empower both companies and employees on their professional travels.

5. Icici Business Advantage Black Card

Joining Fees

₹1,500 + GST

Lifetime Free

No

Annual Fee

₹1,000 + GST

Best For

Shopping

Insurance

Lounge Access

The ICICI Bank company Advantage Black Card is a cutting-edge financial tool designed specifically for company purposes:-

Primary Business Benefits

• This card allows you to earn cashback on important expenses like travel, car rentals, and professional services.
• In addition to these privileges, cardholders receive extra rewards when they settle their credit card payments.

Additional Benefits

• It uses contactless technology to simplify transactions.
• Powered by Visa Paywave technology, this card provides secure and rapid payment alternatives in over 48 countries.
• You can easily make payments by tapping your card on compatible scanners without entering a PIN for transactions under certain limits.
• This feature reduces the danger of losing your card or experiencing fraud while also ensuring that all transactions are safeguarded.
• In essence, this is one of those corporate credit cards that simplifies spending while offering attractive rewards and comprehensive security features.

6. Yes Prosperity Business Credit Card

Joining Fees

₹499

Lifetime Free

No

Annual Fee

₹499

Best For

Lounge Access

Insurance

Fuel

Dining

Travel

The Yes Prosperity Business Credit Card includes a number of tempting features and benefits designed to meet the demands of intelligent business owners:-

Primary Business Benefits

• Earn up to 8 reward points for every ₹200 spent in specific categories.
• The card also has a competitive foreign currency markup cost of 2.50%, which makes overseas transactions manageable.

Additional Benefits

• You can enjoy complimentary green fee waivers for golf rounds, which can make your leisure time more enjoyable.
• Furthermore, you have access to domestic lounges once a quarter, which improves your travel experience.
• You also have the advantage of a 1% waiver on gasoline fees to help keep costs down while travelling or commuting with this credit card.

7. Kotak Corporate Gold Credit Card

Joining Fees

Nil

Lifetime Free

Yes

Annual Fee

Nil

Best For

Fuel

Lounge Access

Kotak Corporate Gold Credit Card always provides hassle-free solutions that prioritise customer service throughout your experience:-

Primary Business Benefits

• This card helps organisations manage their expenses more efficiently. It provides a single monthly bill, allowing employers to settle dues with a single payment, removing the burden of late fees from employees.
• The card allows for easy redemption of rewards on a quarterly basis and offers cash rebates through demand drafts.
• It also offers an interest-free credit period of up to 48 days, similar to an overdraft facility. Thus, it effectively meets a wide range of purchasing demands, whether for exhibitions or corporate meetings.

Additional Benefits

• Around 10 million global merchants accept this card.
• You can set spending limitations based on employee hierarchy or individual preferences while consolidating payments across all employee cards. This feature helps employees avoid tracking expenses individually.
• If your corporate card is lost or destroyed, you may get a replacement for free at any time.

8. Axis Bank MyBiz Business Credit Card

Joining Fees

Nil

Lifetime Free

Yes

Annual Fee

Nil

Best For

Travel

Lounge Access

Axis Bank offers customised credit card choices, like the MyBiz Business Credit Card, which is developed specifically for your business needs. This card has competitive interest rates and distinctive benefits.

Primary Business Benefits

• Appealing reward points and a smart savings strategy for your expenses.
• Any purchase over Rs.2,500 can be turned into EMIs by contacting Axis Bank
• Earn four reward points for every ₹200 spent in specific areas like travel or hotels, while other purchases earn one point each ₹200 spent.
• Anytime you use this card to make overseas transactions of ₹200 or more, you gain three reward points.

Additional Benefits

• This card provides facility to set up automatic payments for utilities such as electricity or gas bills directly from the card.
• You can also withdraw cash up to 30% of your limit if necessary
• You also earn Edge Rewards Points on all transactions done with this credit line.

9. HDFC Corporate Premium Credit Card

Joining Fees

Communicated at the time of sourcing

Lifetime Free

No

Annual Fee

Communicated at the time of sourcing

Best For

Travel

Lounge Access

The HDFC Corporate Premium Credit Card provides a variety of incentives to help you get the most out of your business:-

Primary Business Benefits

• With this card, you can receive 5 reward points for every ₹150 spent, with a maximum of 10,000 points per statement cycle.
• It also offers corporate liability waiver insurance and coverage up to ₹1,00,000,00.
• You can also have up to 50 days of interest-free credit from the purchase date (pending merchant charge submission).
• You get favourable trip booking negotiations with MMT, which also connects you with productivity solutions such as Tally and Office 365.
• Foreign currency expenditures are subject to a 2.5% markup tax.

Additional Benefits

• Managing spending is simplified with a dedicated SmartBuy Corporate Portal that allows for fast reward redemption and access to tailored deals.
• The online reporting solution improves visibility into spending trends by providing customisable reports that detail transactions down to the employee level.
• To top it all off, clients enjoy convenient lounge access, which includes five complimentary domestic visits each quarter and six international visits per year through the Priority Pass program.

10. IDFC FIRST Business Credit Card

Joining Fees

₹499 + GST

Lifetime Free

No

Annual Fee

₹999 + GST

Best For

Shopping

Lounge Access

Insurance

The IDFC FIRST Business Credit Card is skilfully designed for enterprises looking for customised solutions. It provides flexibility to meet your business needs:-

Primary Business Benefits

• It offers a competitive interest rate of 1.5% per month for the first year, rising to 2% after that—both rates are lower than the industry average.
• The card gives you considerable points for foreign currency transactions, business utilities, digital advertising, rentals, and eating.
• You can enjoy welcome gifts after spending ₹15,000 within your first three months. You can also receive a cashback bonus on your initial EMI transaction during that same period.

Additional Benefits

• It also offers significant perks like interest-free cash withdrawals from ATMs for up to 48 days. 
• Furthermore, you accept personal accident insurance coverage of up to ₹10,000,00, as well as complimentary lost card liability protection of ₹50,000.

11. AU Bank Business Cashback Credit Card

Joining Fees

₹499 + GST

Lifetime Free

No

Annual Fee

₹999 + GST

Best For

Lounge Access

Insurance

The AU Small Finance Bank’s Business Cashback Credit Card is a sensible tool for managing business expenses and increasing cash flow:-

Primary Business Benefits

• You receive 1% cashback on total payback amounts (up to ₹1000 per statement cycle).

Additional Benefits

• With this card, you can easily manage daily expenses, from routine payments to unexpected purchases. You can divide larger purchases into manageable EMI payments or share benefits with loved ones using free add-on cards that never expire.
• Additional benefits include fast loans accessible three months after card issuance, a fuel price waiver on qualifying transactions, and free access to railway lounges all year.
• The card also includes necessary company insurance coverage for cash in counter and transit, as well as fire-related catastrophes.
• In addition, the Silver Spoon Dining Program offers discounts at over 300 associated restaurants throughout multiple locations.

12. American Express® Platinum Corporate Card

Joining Fees

Nil

Lifetime Free

No

Annual Fee

₹40,000 *

Best For

Lounge Access

Travel

Fuel

Shopping

The American Express® Platinum Corporate Card provides excellent benefits for business spending, especially for organisations that travel regularly:-

Primary Business Benefits

• For starters, when you spend ₹30,00,000 every year with this card, you earn a ₹10,000 gift certificate valid at renowned brands like Flipkart and MakeMyTrip.
• This card improves corporate travel experiences by providing unlimited access to more than 1,400 airport lounges globally via the American Express Global Lounge Collection.
• Furthermore, the card provides a complimentary Marriott BonvoyTM Gold Elite Status membership without the need to complete the standard criterion of staying 25 nights yearly. This upgrade offers various benefits, including earning 10 points for every eligible US dollar spent—plus a 25% bonus above basic member.

Additional Benefits

• You can also benefit from the Platinum Airlines Program, which offers unique pricing and privileges such as reduced upgrades on major airlines.
• Overall, it is one of the best business credit cards, providing a premium option for corporations looking to improve their business travel drastically.

13. HDFC Bank Biz Grow Credit Card

Joining Fees

₹500 + GST

Lifetime Free

No

Annual Fee

₹500 + GST

Best For

Travel

Shopping

Fuel

Dining

The HDFC Bank Biz Grow Credit Card includes a number of features that help you manage your business’s finances better:-

Primary Business Benefits

• With an interest-free credit period of up to 55 days, you may successfully manage your cash flow while collecting points.
• You can earn 2 Cash Points for every ₹150 spent on business needs and up to 10X Cash Points on specified expenses like GST payments, tax dues via eportal.incometax.gov.in, and bookings through MMT MyBiz.
• As a new user, you can receive a ₹250 gift certificate by completing one transaction within the first month of issuance.
• You also get perks such as a fuel surcharge waiver at petrol stations across India and dining savings at over 20,000 restaurants through

Additional Benefits

• Additional benefits include the ability to pay GST directly with the card, as well as significant discounts on travel plans (4% off flights and hotel reservations) and software purchases from platforms such as Google Workspace or Tally Prime.
• As part of the ongoing benefits, you can earn milestone bonuses with quarterly spending that fulfils certain requirements.

14. IndusInd Bank Vṛddhi Business Card

Joining Fees

₹10,000 + GST

Lifetime Free

No

Annual Fee

₹4,999 + GST

Best For

Lounge Access

Dining

The IndusInd Bank Vṛddhi Business Card offers a variety of attractive possibilities:-

Primary Business Benefits

• The card provides price waivers, including free membership after spending ₹4,00,000 within the first three months.
• It also waives yearly fees after spending over ₹ 1,00,000 in the previous year.
• You can get relief from fuel surcharges for purchases between ₹500 and ₹10,000 (minimum charge applies).

Additional Benefits

• You can enjoy discount vouchers of ₹10,000 from famous brands like Pantaloons, Bata, Raymond, and Hush Puppies.
• You also receive three complimentary airport lounge visits per quarter and a wonderful dining discount of up to ₹250.
• With VISA offers designed for diverse areas like fashion and travel, this card ensures you always discover something helpful connected with your lifestyle needs!

15. Axis Bank Executive Corporate Credit Card

Joining Fees

₹3,500

Lifetime Free

No

Annual Fee

₹3,500

Best For

Travel

Lounge Access

Dining

Corporations can leverage the Axis Bank Corporate Credit Card to streamline their financial management through an integrated Management Information System (MIS):-

Primary Business Benefits

The MIS provides precise transaction details that facilitate better financial planning and expense control.

• Fuel transactions over ₹400 are eligible for a surcharge waiver of up to ₹4,000.
• Furthermore, you benefit from a variety of promotions, including rewards for redeeming PlusPoints.

Additional Benefits

• Companies have three liability options to choose from: Individual Liability, where employees are accountable for their spending; Corporate Liability, in which the company covers all expenses; or Joint & Several Liabilities, sharing responsibility between both parties.
• With set spending limits for each employee, businesses can effectively manage travel and entertainment costs.
• Customisation of the card is also possible based on company requirements. Additional benefits include free access to select airport lounges throughout India and discounted pricing when buying tickets or hotel rooms online.

16. SBI Signature Corporate Card

Joining Fees

Nil

Lifetime Free

No

Annual Fee

₹499

Best For

Travel

Lounge Access

The SBI Signature Corporate Card has significant global acceptance, with over 38 million outlets worldwide and an excellent authorisation approval rate:-

Primary Business Benefit

• You can establish daily, weekly, and monthly spending limitations to preserve financial discipline.
• Furthermore, the Chip and PIN function improves transaction security by requiring a personal identification number in addition to merchant information.
• Solutions such as Visa Intellink and SmartData Gen2 allow organisations to analyse expenditure trends, which aids in cost reduction efficiently.

Additional Benefits

• With round-the-clock support from dedicated service teams, you can simply report lost or stolen cards and receive replacements within 48 to 72 hours worldwide.
• For effective spending management, the card includes multilayer spending limitations that limit non-permitted categories such as jewellery and casinos.

17. myBiz ICICI Bank Business Credit Card

Joining Fees

₹500

Lifetime Free

Yes

Annual Fee

Nil

Best For

Shopping

Travel

Fuel

myBiz ICICI Bank Business Credit cards provide a variety of appealing rewards and features designed for clever spenders. It is considered one of the top corporate credit cards that makes travel easier and more pleasurable!

Primary Business Benefits

You can easily earn reward points—1 myBiz cash for every ₹200 spent domestically.

If you are hitting spending goals, spending ₹1,00,000 per year gives you an additional bonus of 1,000 myBiz cash.

Additional Benefits

• Each quarter includes complimentary access to select domestic airport lounges across India.

18. Paytm HDFC Bank Select Business Credit Card

Joining Fees

₹1000 + GST

Lifetime Free

No

Annual Fee

₹1000 + GST

Best For

Shopping

Travel

Movies

The Paytm HDFC Bank Select Business Credit Card provides a variety of features aimed at improving your spending experience.

Primary Business Benefits

• You can get up to fifty days of interest-free credit and manage your utility bill payments with HDFC Bank's SmartPay register.
• You can earn Cashpoints on a variety of transactions, including 5% back on Paytm recharges and cinema tickets, as well as 3% on popular platforms like Swiggy and Big Basket.
• All other retail transactions earn you 1%. But remember that certain categories, such as fuel or education fees, are not eligible for cash rewards.
• Furthermore, the overall cashback redemption restriction has been set at 3000 points each month.

Additional Benefits

• If your card is lost or stolen, report it immediately to avoid liability for unauthorised charges.
• This credit card also grants twelve complimentary entry passes to domestic airport lounges across India each year (subject to certain criteria).
• Overall, these features combine to produce an enticing package designed for intelligent business customers.

19. IndusInd Bank Sāarthi Business Card

Joining Fees

₹2500 + GST

Lifetime Free

No

Annual Fee

₹1499 + GST

Best For

Lounge Access

Dining

Discover the IndusInd Bank Sāarthi Business Card, a reliable companion for managing business money. This card centralises payments, making expense tracking easier while increasing transparency and control. It effectively separates
personal and business costs, facilitating tax compliance and protecting your firm from fire, robbery, or burglary. There are numerous benefits to having this card! Enjoy discount coupons of ₹2,500 at prominent brands like Pantaloons
and Raymonds. You also get two complimentary airport lounge visits per quarter and dining discounts of up to ₹250. The benefits keep piling up: you can waive the joining cost by spending ₹2,00,000 within the first three months, or
you can earn an annual fee waiver after spending more than one lakh per year. There is an opportunity to earn reward points as well: one point for every hundred rupees spent locally or twice that for foreign purchases.

20. YES First Business Credit Cards

Joining Fees

₹999 + GST

Lifetime Free

No

Annual Fee

₹999 + GST

Best For

Lounge Access

Dining

Travel

Shopping

The YES First Business Credit Card provides a variety of tempting benefits. This mix of perks of this business credit card ensures that your business spending is not only rewarding but also secure.

Primary Business Benefit

• When travelling outside of India, you receive six gratis international lounge access per year, as well as free green fees for golf rounds.
• Collect 16 reward points for every ₹200 spent in specific categories.
• The card has an attractive foreign currency markup fee of only 1.75% and a 1% fuel cost waiver to help you save even more at the pump.

Additional Benefits

• You also benefit from comprehensive insurance coverage, which includes an accidental death credit shield cover of ₹8,00,000 for the primary cardholder.

21. Bank of Baroda CORPORATE Credit Card

Joining Fees

Nil

Lifetime Free

No

Annual Fee

₹1000

Best For

Shopping

Fuel

The Bank of Baroda Corporate Premium Credit Card is designed specifically for corporations, making cost management simple. This Visa card provides a variety of benefits, including:-

Primary Business Benefits

• You get a high withdrawal limit of 30% of the total credit limit.
• The reward points are quite significant (one point for every ₹100 spent).
• It allows for worldwide use with a monthly interest rate of 2.6% (31.2% APR).
• You can simply pay bills online using the Insta Pay service while also taking advantage of unique Visa International perks such as fuel surcharge savings, hotel bookings, airfare deals, and more!

Additional Benefits

• It includes a security chip to improve transaction security.
• You get personal insurance coverage - Personal accidental death coverage includes ₹5,00,000 for air accidents and ₹1,00,000 for other incidents.

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How to Choose a Corporate Credit Card?

The market has so many business cards that offer multiple benefits. However, a business cannot have multiple credit cards as it can make expense management difficult. Hence, it is important to choose a card that suits your business and needs. Before choosing a credit card, you must consider the following factors.

• Rewards

  It is a known fact that credit cards offer rewards. Different cards offer rewards for various kinds of spending. For example, a travel card gives higher rewards on travel spending, and a dining card offers higher rewards and discounts on restaurant bills.

  To know which card to choose, you must identify where your business spends the most. For example, suppose your business spends a lot on office supplies, advertising, or shipping. In that case, a card offering rewards on everyday business expenses is better for you.

  However, if you travel often or meet clients over lunch and dinner, a travel card or a dining card is a better choice. Apart from the general rewards, also look out for joining rewards and annual benefits. Some cards give hefty yearly rewards. Hence, it is important to choose a card based on your business expenses to earn higher rewards.

• Annual fee

  Apart from rewards, another aspect to look for is the annual fee and the minimum spending limit to get the annual fee waived. Usually, cards with higher rewards tend to have higher annual fees and spending limits. It is not worth it if you get 2x rewards or free airport lounges.

  But you have to pay an annual fee of ₹50,000 and spend at least ₹15,000,00 to get the fee waived. Hence, it is important to strike a balance between rewards and annual fees and choose a card which suits your budget.

• Interest rate

  Just like regular credit cards, corporate credit cards have an interest-free period. Once the interest-free period ends, the banks charge an interest on the outstanding balance. This interest can be anywhere between 36%-48%.

  Hence, it is important to check the interest-free period and interest rate charged by the banks before applying for a corporate credit card.

• Other Features and Benefits

  Similar to regular credit cards, business credit cards offer certain benefits and features such as travel insurance, purchase protection, employee credit cards, and other account management tools. These benefits can prove to be very valuable to businesses. Hence, you must check all the added features and benefits before choosing a business credit card.

Advantages and Disadvantages of Using Credit Card for Business

As they say – There are 2 sides to every coin. Business credit cards come with their fair share of perks and drawbacks like the following:-

Advantages of Business Credit Cards

• Rewards and cashback can help reduce a business’s expenses.
• Expense tracking and analysis have become easy and convenient.
• Greater control over expenses.
• Reduced need for cash for business expenses.
• Prevention of employees from using the card for personal expenses or spending beyond a certain limit.
• You can check your business expenses anytime online. This makes paying bills, blocking cards, and raising disputes easier.
• All business credit cards have dedicated service executives, which ensures 24*7 support.

Disadvantages of Business Credit Cards

• Business cards charge higher annual fees and higher interest rates and, hence, could be expensive for small businesses.
• Additional cardholder fees can add up quickly.
• Employees cannot earn their rewards through this card.
• The application process is rigorous, tough and time-consuming.

Eligibility Criteria for Business Card

When applying for business credit cards in India, certain eligibility requirements must be completed. These conditions can vary depending on the applicant’s net worth, credit score, age, and the restrictions of specific banks or card issuers. Generally speaking:-

• Applicants must be at least 21 years old and no older than 70.
• They must own a legally recognised firm.
• The income requirements may differ depending on the type of business card desired.
• Eligibility is also determined based on the credit scores of both the applicant and their business.
• Individuals must be proprietors or partners in a business or operate as self-employed professionals.

Documents Required to Apply for a Corporate Credit Card in India

The eligibility to apply for business cards can vary across banks. Still, the documents required to apply for this card are pretty much similar. The following are the documents needed to apply for a corporate credit card in India.

• Proof of Identity Any government-issued identity card such as a PAN Card, Aadhar Card, voter ID, or passport is considered valid ID proof.
• Address Proof Rental or lease agreements, utility bills, or ownership documents of the property are all considered valid address proofs that confirm the existence of a business.
• GST Certificate The GST certificate is a document issued by the Government of India authorising businesses to collect taxes on their behalf.
• CIN Number A CIN number is a unique number assigned to a business by the Ministry of Corporate Affairs in the respective state. It is mandatory that you have a CIN number to apply for a business credit card.
• Bank Statements A business’s bank statements are important proof that confirms the existence of a business. Moreover, it can also help the bank decide the credit limit. Apart from these, the bank can also ask for financial statements, ITR return statements, and business incorporation certificates as proof of the business’s existence.

Steps to Apply for a Business Credit Card Online

Take the following steps to apply for a business credit card online:-

1. Go to your preferred bank’s official website and enter your name, email address, phone number, income information, and home address.
2. Following this submission, you can receive a call from a bank representative who can guide you through the next steps.
3. Then, a bank representative comes to your home to collect all relevant paperwork.
4. The lender institutions review everything you have submitted and confirm that it fits their requirements.
5. Finally, if all checks pass, they offer you a credit card.

To summarise, picking the correct company credit card can considerably improve your financial management and operational efficiency. Throughout this post, we looked at the perks and features of the best business credit cards in India for 2024, giving you all the knowledge you need to make an informed decision.

Now that you’ve gained so much essential knowledge, why not take the next step? Evaluate your business requirements and apply for one of the recommended credit cards to begin enjoying specific advantages. These cards can undoubtedly help you cut your spending and improve your financial strategy. Let your quest to wiser business spending start today!

Frequently Asked Questions

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