Which business or corporate credit card is best in India?

HDFC Bank's own page for its mid-tier business card, the one most small businesses with steady spend end up on. It states the fee (₹2,500 plus taxes, waived after ₹4 lakh spent in a card year) and the earn rate: 5 reward points per ₹200, and 5X on income tax and GST payments, bill payments and Google and Meta ads.

HDFC Bank Biz Power Credit Card

From hdfc.bank.in by HDFC Bank Product page

HDFC Bank on eChai Explore

• Joining and renewal fee is ₹2,500 plus taxes; spend ₹4 lakh in an anniversary year and the next renewal is waived.
• Run tax payments, GST and ad spend through it: those categories earn 5X reward points.
• A reward point is worth up to ₹0.65, so check the redemption value before you count the rewards.

HDFC Bank's entry business card, for a proprietor or small firm spending under a lakh a year on business costs. The page states the ₹500 plus taxes fee and the ₹1 lakh annual spend that waives the next renewal.

HDFC Bank Biz Grow Credit Card

From hdfc.bank.in by HDFC Bank Product page

HDFC Bank on eChai Explore

• Fee is ₹500 plus taxes a year.
• Spend ₹1 lakh in an anniversary year and the next renewal fee is waived.
• A sensible first business card to keep business spend off a personal card.

ICICI Bank's cashback business card, for a business that wants money back rather than points. The page sets out the ₹1,500 plus GST joining fee (credited back after ₹75,000 spent in 60 days), the ₹1,000 plus GST annual fee (waived above ₹7,50,000 a year), cashback up to 1% in months above ₹75,000 capped at ₹2,000 a month, and 3.75% a month interest if only the minimum is paid.

ICICI Bank Business Advantage Black Credit Card

From icici.bank.in by ICICI Bank Product page

ICICI Bank on eChai Explore

• Cashback is up to 1% in a month above ₹75,000 of eligible spend and up to 0.5% domestic between ₹25,000 and ₹75,000.
• Fuel, utilities, insurance, government and tax payments and education do not earn cashback.
• Pay in full: carrying a balance costs 3.75% a month.

The cheaper sibling of ICICI's Black card, for a professional or small business with modest monthly spend. Joining fee ₹500 plus GST, waived on ₹50,000 spent in 60 days; annual fee ₹500 plus GST, waived above ₹5,00,000 a year.

ICICI Bank Business Advantage Blue Credit Card

From icici.bank.in by ICICI Bank Product page

ICICI Bank on eChai Explore

• Both fees are ₹500 plus GST, and both have spend-based waivers.
• Paying the bill through ICICI Corporate Net Banking adds 0.20% cashback on the amount due.
• Pick it over Black if your monthly spend sits under ₹75,000.

HDFC Bank's top business card, for a business putting several lakh a year through one card. The page states the ₹10,000 plus taxes fee, the ₹7.5 lakh spend that waives the renewal, and 5 reward points per ₹150 with 5X on tax, GST, travel and software purchases.

HDFC Bank Biz Black Credit Card

From hdfc.bank.in by HDFC Bank Product page

HDFC Bank on eChai Explore

• Fee is ₹10,000 plus taxes, waived on renewal after ₹7.5 lakh spent in a card year.
• Earns 5 reward points per ₹150, with 5X on income tax and GST payments, hotel and flight bookings and software.
• Only worth it if you will cross the waiver without trying.

HDFC Bank's business card that links to any UPI app, for a small business that pays suppliers and expenses by UPI and wants the credit period. It pays 3% CashPoints on groceries, supermarkets and dining, 2% on utility bills and 1% on other spends, and the renewal fee is waived above ₹25,000 a year.

HDFC Bank UPI RuPay Biz Credit Card

From hdfc.bank.in by HDFC Bank Product page

HDFC Bank on eChai Explore

• Link it to a UPI app to pay merchants from a credit line instead of your current account.
• CashPoints: 3% on groceries, supermarket and dining, 2% on utilities, 1% on the rest.
• Renewal fee is waived once you spend ₹25,000 in the year.

EnKash is an Indian spend management platform that issues corporate, prepaid, fuel, SaaS and digital marketing cards to a company's employees through partner banks, with budgets, approvals and reimbursements in one place. For a team that has outgrown one founder's card, not a sole proprietor.

EnKash Corporate Cards

From enkash.com by EnKash Product page

EnKash Corporate Cards on eChai Explore

• It is not a bank: the cards are issued by RBI-licensed banks and regulated entities behind it.
• Use per-employee or per-purpose cards (ads, SaaS, travel) with limits instead of sharing one card.
• Pricing is by conversation with sales; ask what the bank partner charges on top.

The RBI's own rules for every card issued in India, including the definitions that separate a business credit card from a corporate card and who is liable for each. Read the definitions and the business-card clause to know what you are signing.

RBI Master Direction: Credit Card and Debit Card, Issuance and Conduct

From rbi.org.in by Reserve Bank of India Regulation

• A business credit card is issued to a business entity or an individual for business expenses, not personal use.
• A corporate card is issued to employees, with liability on the company, the employee or both, as the product states.
• A business card's limit counts toward the business's total assessed credit with the bank.