Friends, if you want to take your business to the next level, you need the right business credit card – one that tracks expenses, gives rewards, and saves money. There are plenty of options on the market in 2025, but choosing the Top Business Credit Cards in India 2025 ones can be a bit tricky.
I checked the latest data, and here is a list of the top 6 credit cards that are perfect for small business owners, freelancers, or corporate people. I will tell you the features, benefits and fees of each card so that you can decide easily. Let’s get started!
Top Business Credit Cards in India 2025:
1. Kotak Biz Business Credit Card: A Treasure Trove of Rewards
This card focuses on business spending. 4X rewards are available on marketing, advertising, travel, and hotels. The annual fee is just ₹499 + taxes, which is great for entry-level. Golf enthusiasts get one free lesson per month and four sessions with green fee waivers at select courses.
2. IDFC First Business Credit Card: Low Fee, High Rewards
This IDFC card offers a joining fee of ₹499. Accelerated reward points are earned on business expenses, free lounge access, and Taj/Amazon/MMT vouchers (₹30,000-₹35,000 worth). Foreign transactions are low markup and easy to use with a detailed expense tracking app.
3. HDFC Diners BizBlack Credit Card: Great for Tax and Bill Payments
This is a top choice for business owners. Lucrative rewards on tax payments and bill payments, plus 50 days of interest-free credit. Fuel surcharge waiver, insurance coverage (travel accident, purchase protection), and quarterly domestic lounge access. Diners network acceptance is a bit low, but keep a backup card.
4. YES Prosperity Business Credit Card: For Travel and Foreign Spends
Foreign currency markup is only 2.5%, which is beneficial for international businesses. Complimentary domestic and international lounge access, and reward points on business transactions (flights/hotels can be redeemed). Annual fee is reasonable, and employees can set spending limits.
5. American Express Platinum Corporate Card: Luxury Feel
This card is extremely premium for corporate people. Exclusive rewards on travel and dining, and high credit limits. Employee cards can be issued with custom controls. Expense management is made easy with lounge access, insurance, and detailed statements. Joining fee is higher, but value is greater.
6. Paytm HDFC Bank Select Business Credit Card: UPI and Digital Twist
With Paytm integration, this card is built for modern businesses. 5 complimentary domestic lounge visits quarterly, and 6 international visits per year via Priority Pass. Reward points per transaction, fuel discount, and UPI payments support. Low annual fee, and real-time tracking in the app.
| Card Name | Joining/Annual Fee | Key Benefits |
|---|---|---|
| Kotak Biz Business Credit Card | ₹499 + Tax | 4X Rewards on Business Spends, Golf Lessons Free |
| IDFC First Business Credit Card | ₹499 | Lounge Access, Vouchers ₹30,000-₹35,000 |
| HDFC Diners BizBlack Credit Card | ₹1,000 (waived on spends) | Rewards on Tax/Bill Payments, 50 Days Interest-Free |
| YES Prosperity Business Credit Card | ₹1,499 | 2.5% Foreign Markup, Domestic/International Lounges |
| American Express Platinum Corporate Card | ₹60,000 | Travel/Dining Rewards, Employee Cards |
| Paytm HDFC Bank Select Business Credit Card | ₹1,000 | 5 Domestic + 6 International Lounges, UPI Support |
Pros and Cons
Pros:
- Business Expense Tracking easy to use, employees can set limits.
- Rewards and cashback on taxes, travel, and bills – save money.
- Perks like lounge access and insurance are free.
- Long software support like 6+ years of updates (in digital cards).
- Low foreign markup for international businesses.
Cons:
- Some cards have high annual fees, requiring expenses to be waived.
- Diners/Amex acceptance is lower than Visa/Mastercard.
- Bloatware or extra fees may be hidden – be sure to read the terms.
- Dependent on credit score, don’t default.
Conclusion
The business credit card scene in 2025 is absolutely hot – starting with Kotak Biz or IDFC if you’re a small business owner, or Amex Platinum if you’re at the corporate level.
Match your expenses according to each card, for example, if you have to travel a lot then take YES. Apply on Paisabazaar or bank sites and get pre-approved check done. Tell us in the comments which card you’d try and why?
