The answer to “What are Business Credit Cards?” might be misconstrued to mean corporate credit cards, but this is wrong. Though business credit cards are designed for small and medium business as well as large corporates and multinational corporations, these cards are available to just about anyone who needs a separate business account. These cards help track expenses arising out of business and keep them separate from personal accounts. It also helps monitor employees’ expenditure and at the same time gives them the benefits of a credit card. Business credit cards are very useful to sole proprietors, partnerships, companies, small business owners and corporates.
Some of the banks that offer Corporate or Business credit cards are listed below:
Given below are the top 8 business credit cards in India, along with a brief description of their salient features:
The SBI Platinum Corporate card has been designed keeping in mind the Indian corporate client and his/her business needs. The card is on the VISA platform and the cardholder can track his/her organisation’s expenses via the Visa IntelliLink tool.
The HDFC Business MoneyBack credit card offers higher rewards on purchases made through the card as well as exclusive deals and offers. Cardholders can also enjoy 50 days of interest-free transactions on their card from the date of purchase.
The Axis Bank My Business credit card is tailor-made to suit every business need and enhance business efficiency through a variety of special features and benefits for the corporate cardholder.
The ICICI Bank Corporate Card offers corporate cardholders a complete travel and entertainment program full of deals and benefits. Available in Platinum and Gold variants, the card allows for effective management of employees’ travel and entertainment expenses through well-designed tools.
With a streamlined expense report for travel and entertainment spends, the Citibank Corporate credit card offers access to top-of-the-line automation and higher savings.
Kotak corporate credit card offering comes packed with features designed to sway the corporate customer, from savings opportunities to greater control over employee spending. Available in Gold and Platinum variants, the card provides a convenient way to meet expenses.
Exclusively meant for self-employed individuals, the Standard Chartered Business Gold credit card is designed to cater to every need the business owner could have. Features of the Standard Chartered Business Gold Credit Card:
Targeted at small business owners and artisans across sectors, the Laghu Udhyami credit card comes with benefits for small business owners, extending a line of credit to them.
Small business credit cards help businessmen and entrepreneurs have access to funds to manage a business. For example, they can be used to buy office furniture, equipment, electronics, etc. These cards are not meant for personal use and cannot be used by individuals to meet any kind of non-business expense. There are many banks in India that offer these types of business credit cards including State Bank of India (SBI), HDFC, Axis Bank, Citibank, ICICI, among others.
List of Small Business Credit Cards
ICICI Corporate Credit card: This business credit card offers a number of perks and benefits. The card available in different variants such as gold and platinum.
The following are the features of the ICICI Corporate Credit Card:
SBI Platinum Corporate Credit Card: The SBI Platinum Corporate Credit Card makes it easy for business owners to manage their expenses. They come with a wide range of features and benefits.
The following are the features of the SBI Corporate Credit Card:
Axis Bank Business Credit Card: The Axis Bank Business Credit Card is specifically designed to meet business needs and comes with EMI facility for big value purchases.
The following are the features of the Axis Corporate Credit Card:
HDFC Business Credit Card: The HDFC Business Credit Card is a great option for businessmen and comes with a range of features and benefits including global acceptance, cashbacks, lounge access, etc.
The following are the features of the HDFC Corporate Credit Card:
Citibank Corporate Credit Card: The Citibank credit card for business is designed for all types of business needs. They come with online management tools and a wide range of corporate benefits.
The Following Are The Features Of The Citi Corporate Credit Card:
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