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Best Business credit cards

Every Business card we track, compared on fee, rewards and eligibility.

HDFC Bank

HDFC Biz First Credit Card

Annual fee ₹500

3cards

Best of Business

Auto-scored from card data

Best overall

HDFC Biz First Credit Card

Up to 3% back

Apply now View

Best for travel

SBI Card ELITE Business Card BK

Airport lounge access included

Apply now View

Quick picks

Premium · Business

State Bank

SBI Card ELITE Business Card BK

Five times the points on dining, bills and office supplies, at a 1.99% forex markup.

Best forBusiness owners with high card spend
Complimentarylounge access
₹5,000welcome voucher

Annual fee

₹4,999

Fee waivable on spend

Joining fee₹4,999

Apply now View details

Reward rate: Up to 10 reward points per ₹100
Forex markup: 1.99%
Lounge access: 8/yr domestic · 6/yr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Everyday · Business

State Bank

SBI Card Prime Business Card BK

Ten points per hundred on dining, bills and office supplies, on a fee that Rs. 3 lakh of spend clears.

Best forSelf-employed professionals and small business owners
Complimentarylounge access
₹3,000welcome voucher

Annual fee

₹2,999

Fee waivable on spend

Joining fee₹2,999

Apply now View details

Reward rate: Up to 10 reward points per ₹100
Forex markup: Not published
Lounge access: 8/yr domestic · 4/yr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Entry level · Business

HDFC Bank

HDFC Biz First Credit Card

A RuPay business card that pays on EMI, utilities and UPI, with fifty-five interest-free days.

Best forSmall businesses and MSMEs
Fuel surchargewaiver
Renewal fee of Rs. 500 waived on spends of Rs. 7,50,000 or more in the previous year.

Annual fee

₹500

Fee waivable on spend

Joining fee₹500

Apply now View details

Reward rate: Up to 3% back
Forex markup: 3.5%
Lounge access: None
Interest: 45% p.a.
Credit score: 750+

Heads-up: Every tier is capped monthly: 1,000 CashPoints on EMI, 500 on the 2% tier and 500 on the 1% base rate. A large month earns no more than…

Ranked lists and other categories

BEBest Credit Cards for Self-Employed and Business Owners in India

Tools for choosing a Business card

Check approval odds, track the fee dates, and see if switching from your current card pays.

How we rank

Every card we trackThe full catalogue, filterable by fee and perk.Will they approve me?Soft check against each bank’s published rules.Best card per purchaseFuel, dining, online — the winner changes.Switch calculatorNet gain after annual fees, on your spends.My walletFee-waiver countdowns for cards you hold.Shortlist & shareSave picks, send one link to anyone.

Business credit cards: guide and FAQs

Everything worth knowing before you choose. All of it is on this page — open only what you need.

1. Business credit cards in India

1 min read

Business credit cards are built for vendor payments, utilities and travel booked on a company account rather than for personal shopping. Three are tracked here, from Rs. 500 to Rs. 4,999 a year.

The pattern differs from personal cards: the rates sit on bills and dining, and the fee waivers are set at business-scale spending.

2. What makes a good business credit card

1 min read

A rate on bills and utilities, which is where most business card spending goes.
A waiver matched to business turnover, not personal spending.
Lounge access for staff travel.
Clean statements and documentation for accounting, which matters more than a fractional rate difference.

3. Business credit cards compared

Table · 1 min read

Card	Annual fee	Fee waived at	Top earn rate	Lounge
HDFC Biz First	Rs. 500	Rs. 7,50,000	3% on bill payments, 2% utilities	No
SBI Card Prime Business	Rs. 2,999	Rs. 3,00,000	10 points per Rs. 100 on dining	8 a year
SBI Card ELITE Business	Rs. 4,999	Rs. 10,00,000	10 points per Rs. 100 on dining	8 a year

HDFC Biz First is the cheapest by fee but has the strictest waiver relative to its price — Rs. 7,50,000 a year to reverse Rs. 500.

4. How the earn rates and caps differ

1 min read

HDFC Biz First pays 3% on bill payments and 2% on utilities, credited as cashback — the most useful shape for a business paying regular invoices.
SBI Prime Business and ELITE Business pay 10 points per Rs. 100 on dining, about 2.5%, and a base rate elsewhere; both include 8 domestic lounge visits a year.

For a company whose card spending is mostly utilities and vendor bills, the cheaper HDFC card returns more.

5. Fees, and which cards are effectively free

1 min read

None is free. Waivers are Rs. 3,00,000 on Prime Business, Rs. 7,50,000 on Biz First and Rs. 10,00,000 on ELITE Business.

At 3% back, Biz First's Rs. 500 fee is covered by about Rs. 17,000 of bill payments a year — long before its waiver threshold matters.

6. What earns nothing

1 min read

Fuel, rent, wallet loads and EMI conversions.
Government and tax payments on most cards, which is a real limitation for businesses.
Cash advances, which also start charging interest immediately.
Points expire, commonly after 24 months.

7. How to choose a business credit card

1 min read

Your card spending is bills and utilities — HDFC Biz First at Rs. 500.
Your team travels and entertains — SBI Card Prime Business for 8 lounge visits a year at Rs. 2,999.
High turnover and premium service — SBI Card ELITE Business, accepting a Rs. 10,00,000 waiver.
Check the eligibility first with the eligibility checker.

8. Frequently Asked Questions

5 questions answered

Which is the best business credit card in India?

HDFC Biz First at Rs. 500 for bill-heavy spending, paying 3% on bill payments. SBI Card Prime Business suits teams that travel, with 8 lounge visits a year.

What is the minimum income for a business credit card?

HDFC Biz First publishes about Rs. 30,000 a month. The SBI business cards are assessed on the business and the applicant's credit profile.

Do business credit cards give lounge access?

SBI Card Prime Business and ELITE Business both give 8 domestic lounge visits a year. HDFC Biz First gives none.

Can business credit cards be used for GST and tax payments?

Payments go through, but government and tax payments usually earn no rewards and rarely count towards a fee waiver. Check the card's exclusions before routing large tax payments through it.

How is a business credit card fee waived?

By annual spending: Rs. 3,00,000 on SBI Prime Business, Rs. 7,50,000 on HDFC Biz First and Rs. 10,00,000 on SBI ELITE Business.

Best Business credit cards

Every Business card we track, compared on fee, rewards and eligibility.

HDFC Bank

HDFC Biz First Credit Card

Annual fee ₹500

3cards

Best of Business

Auto-scored from card data

Best overall

HDFC Biz First Credit Card

Up to 3% back

Apply now View

Best for travel

SBI Card ELITE Business Card BK

Airport lounge access included

Apply now View

Quick picks

Premium · Business

State Bank

SBI Card ELITE Business Card BK

Five times the points on dining, bills and office supplies, at a 1.99% forex markup.

Best forBusiness owners with high card spend
Complimentarylounge access
₹5,000welcome voucher

Annual fee

₹4,999

Fee waivable on spend

Joining fee₹4,999

Apply now View details

Reward rate: Up to 10 reward points per ₹100
Forex markup: 1.99%
Lounge access: 8/yr domestic · 6/yr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Everyday · Business

State Bank

SBI Card Prime Business Card BK

Ten points per hundred on dining, bills and office supplies, on a fee that Rs. 3 lakh of spend clears.

Best forSelf-employed professionals and small business owners
Complimentarylounge access
₹3,000welcome voucher

Annual fee

₹2,999

Fee waivable on spend

Joining fee₹2,999

Apply now View details

Reward rate: Up to 10 reward points per ₹100
Forex markup: Not published
Lounge access: 8/yr domestic · 4/yr intl
Interest: 45% p.a.
Credit score: 750+

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Entry level · Business

HDFC Bank

HDFC Biz First Credit Card

A RuPay business card that pays on EMI, utilities and UPI, with fifty-five interest-free days.

Best forSmall businesses and MSMEs
Fuel surchargewaiver
Renewal fee of Rs. 500 waived on spends of Rs. 7,50,000 or more in the previous year.

Annual fee

₹500

Fee waivable on spend

Joining fee₹500

Apply now View details

Reward rate: Up to 3% back
Forex markup: 3.5%
Lounge access: None
Interest: 45% p.a.
Credit score: 750+

Heads-up: Every tier is capped monthly: 1,000 CashPoints on EMI, 500 on the 2% tier and 500 on the 1% base rate. A large month earns no more than…

Ranked lists and other categories

BEBest Credit Cards for Self-Employed and Business Owners in India

Tools for choosing a Business card

Check approval odds, track the fee dates, and see if switching from your current card pays.

How we rank

Business credit cards: guide and FAQs

Everything worth knowing before you choose. All of it is on this page — open only what you need.

1. Business credit cards in India

1 min read

Business credit cards are built for vendor payments, utilities and travel booked on a company account rather than for personal shopping. Three are tracked here, from Rs. 500 to Rs. 4,999 a year.

The pattern differs from personal cards: the rates sit on bills and dining, and the fee waivers are set at business-scale spending.

2. What makes a good business credit card

1 min read

A rate on bills and utilities, which is where most business card spending goes.
A waiver matched to business turnover, not personal spending.
Lounge access for staff travel.
Clean statements and documentation for accounting, which matters more than a fractional rate difference.

3. Business credit cards compared

Table · 1 min read

Card	Annual fee	Fee waived at	Top earn rate	Lounge
HDFC Biz First	Rs. 500	Rs. 7,50,000	3% on bill payments, 2% utilities	No
SBI Card Prime Business	Rs. 2,999	Rs. 3,00,000	10 points per Rs. 100 on dining	8 a year
SBI Card ELITE Business	Rs. 4,999	Rs. 10,00,000	10 points per Rs. 100 on dining	8 a year

HDFC Biz First is the cheapest by fee but has the strictest waiver relative to its price — Rs. 7,50,000 a year to reverse Rs. 500.

4. How the earn rates and caps differ

1 min read

HDFC Biz First pays 3% on bill payments and 2% on utilities, credited as cashback — the most useful shape for a business paying regular invoices.
SBI Prime Business and ELITE Business pay 10 points per Rs. 100 on dining, about 2.5%, and a base rate elsewhere; both include 8 domestic lounge visits a year.

For a company whose card spending is mostly utilities and vendor bills, the cheaper HDFC card returns more.

5. Fees, and which cards are effectively free

1 min read

None is free. Waivers are Rs. 3,00,000 on Prime Business, Rs. 7,50,000 on Biz First and Rs. 10,00,000 on ELITE Business.

At 3% back, Biz First's Rs. 500 fee is covered by about Rs. 17,000 of bill payments a year — long before its waiver threshold matters.

6. What earns nothing

1 min read

Fuel, rent, wallet loads and EMI conversions.
Government and tax payments on most cards, which is a real limitation for businesses.
Cash advances, which also start charging interest immediately.
Points expire, commonly after 24 months.

7. How to choose a business credit card

1 min read

Your card spending is bills and utilities — HDFC Biz First at Rs. 500.
Your team travels and entertains — SBI Card Prime Business for 8 lounge visits a year at Rs. 2,999.
High turnover and premium service — SBI Card ELITE Business, accepting a Rs. 10,00,000 waiver.
Check the eligibility first with the eligibility checker.

8. Frequently Asked Questions

5 questions answered

Which is the best business credit card in India?

HDFC Biz First at Rs. 500 for bill-heavy spending, paying 3% on bill payments. SBI Card Prime Business suits teams that travel, with 8 lounge visits a year.

What is the minimum income for a business credit card?

HDFC Biz First publishes about Rs. 30,000 a month. The SBI business cards are assessed on the business and the applicant's credit profile.

Do business credit cards give lounge access?

SBI Card Prime Business and ELITE Business both give 8 domestic lounge visits a year. HDFC Biz First gives none.

Can business credit cards be used for GST and tax payments?

Payments go through, but government and tax payments usually earn no rewards and rarely count towards a fee waiver. Check the card's exclusions before routing large tax payments through it.

How is a business credit card fee waived?

By annual spending: Rs. 3,00,000 on SBI Prime Business, Rs. 7,50,000 on HDFC Biz First and Rs. 10,00,000 on SBI ELITE Business.