Expert Selection 2026
Best Credit Cards for Business Credit Cards
Credit cards designed for business owners, freelancers, and corporates offering expense management, higher limits, and rewards on business spends.
Recommended Cards (11)
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Top Choice
HDFC BANK LTD
HDFC Bank UPI RuPay Biz Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Business version of UPI RuPay credit card
- 1% cashback on UPI spends
- Business-oriented benefits
HDFC BANK LTD
HDFC Business Bharat CashBack Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Cashback benefits for business users
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Business Freedom Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Basic freedom-oriented business card
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Business MoneyBack Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Cashback-focused business card
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank Business Platinum Credit Card
Excellent
Expert Score5.0
Joining Fee
₹299
Annual Fee
₹299
- Basic business credit card
- Fuel surcharge waiver capped at ₹500 every billing cycle
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank BizFirst Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Entry-level business card
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank BizGrow Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Mid-tier business card
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Foreign currency markup of 3.5%
HDFC BANK LTD
HDFC Bank Biz Power Credit Card
Excellent
Expert Score5.0
Joining Fee
₹2,500
Annual Fee
₹2,500
- Premium business credit card
- Extended interest-free credit period (25-55 days)
- Business-focused rewards
HDFC BANK LTD
HDFC Business Regalia First Credit Card
Excellent
Expert Score5.0
Joining Fee
₹2,500
Annual Fee
₹1,000
- Entry-level business premium card
- Fuel surcharge waiver capped at ₹500 every billing cycle
- Foreign currency markup of 3.5% (effective from August 1, 2024)
HDFC BANK LTD
HDFC Business Regalia Credit Card
Excellent
Expert Score5.0
Joining Fee
₹2,500
Annual Fee
₹2,500
- Business-oriented rewards
- Fuel surcharge waiver for transactions between ₹400 to ₹5,000
- Airport lounge access
HDFC BANK LTD
HDFC BizBlack Metal Edition Credit Card
Excellent
Expert Score5.0
Joining Fee
₹10,000
Annual Fee
₹10,000
- Premium business credit card with metal design
- Extended interest-free credit period (25-55 days)
- Specialized business-oriented rewards and benefits
Frequently Asked Questions
How do I choose the best credit card for Business Credit Cards?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for Business Credit Cards with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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