In 2025, Indian entrepreneurs and startups are increasingly turning to business credit cards to manage expenses, earn rewards, and build credit profiles. Whether you’re looking for cashback on office supplies, travel rewards for international meetings, or tools to separate personal and business expenses, there’s a card tailored to your needs.
Business credit cards are especially useful for startups and MSMEs, offering expense management tools, credit limits, employee card options, and exclusive business offers. Here’s a detailed look at the top business credit cards in India for 2025 that offer the most value across different categories.
Why Business Credit Cards Are a Smart Move for Entrepreneurs
Financial Discipline and Expense Tracking
A business credit card helps startups and established companies maintain a clear record of monthly spending. Unlike personal cards, these cards allow itemized billing, categorized expenses, and access to downloadable reports—making bookkeeping simpler during tax season. You also build a separate credit history for your business, which becomes valuable for future funding and loans.
By setting individual limits for employees, you can also manage team expenses effectively. Many top banks in India offer free add-on cards with real-time usage tracking, further increasing financial discipline.
Rewards, Perks & Business-Specific Benefits
The real value of a business card goes beyond credit—it lies in customized rewards and perks. From airport lounge access to discounted cloud software tools, these cards are designed to help businesses grow while saving money. In 2025, some cards offer free foreign exchange markups, air mile conversions, and partner deals with business service providers.
Startups can also benefit from cashbacks on ad spends, SaaS subscriptions, and co-working spaces—making them a highly rewarding financial tool.
Top 10 Business Credit Cards in India in 2025
HDFC Business MoneyBack Credit Card
The HDFC Business MoneyBack Card is ideal for small businesses looking to save on everyday purchases. It offers cashback on utility bills, office supplies, and business travel.
With reward points that can be converted to cash or air miles, this card is perfect for startups just starting out. You also enjoy free liability cover, monthly spend analysis, and EMI options.
ICICI Bank Business Advantage Black Credit Card
This premium card offers dynamic reward structures based on your spending pattern. The ICICI Business Advantage Card includes fuel surcharge waivers, high cashback, and spend-based fee waivers.
It’s tailored for businesses with high transactions across multiple categories, including logistics, travel, and digital marketing.
SBI Platinum Corporate Credit Card
The SBI Platinum Corporate Card is designed for larger businesses with multiple employees. It provides comprehensive reporting tools, customizable spending limits, and strong security features for online and international transactions.
You also get airport lounge access, GST-compatible billing, and a built-in expense management dashboard.
American Express Platinum Business Card
If you’re looking for unmatched travel and lifestyle benefits, the Amex Platinum Business Card is a top-tier choice. It offers complimentary Taj Epicure dining privileges, international lounge access, and up to 5X Membership Rewards on business spends.
You can also enjoy travel insurance, concierge services, and detailed quarterly spending analysis.
Axis Bank My Business Credit Card
The Axis My Business Credit Card is suitable for new-age entrepreneurs. It offers 5% cashback on utility bills, free credit advisory tools, and integration with accounting software like Tally and QuickBooks.
This card comes with low annual fees and is ideal for startups and freelancers managing irregular cash flow.
IndusInd Bank Business Gold Credit Card
This entry-level business card offers excellent flexibility and 0% foreign transaction markup. It’s perfect for freelancers, consultants, and service-based startups dealing with international clients.
Enjoy perks like accidental insurance, low interest rates, and a generous credit limit based on your income profile.
Kotak Corporate Gold Credit Card
The Kotak Corporate Card supports bulk employee expense management. With dedicated account managers, easy credit line extensions, and seamless integration with ERP software, this card is best for medium to large enterprises.
Businesses also enjoy fuel surcharge waivers, airport lounge access, and 24/7 fraud protection.
IDFC FIRST WOW Business Credit Card
The IDFC First WOW Business Card offers zero annual and joining fees, making it one of the best no-frill options for startups in 2025. It provides unlimited reward points, low-interest EMIs, and discounted deals on business platforms like Google Ads, Microsoft 365, and Zoom.
It’s a practical choice for digital-first ventures operating on lean margins.
Bank of Baroda Business Credit Card
This government-backed card is best suited for MSME businesses and government contractors. It offers credit flexibility, overdraft facilities, and low interest rates for those needing working capital.
The card also features real-time alerts, fuel surcharge waivers, and customizable spend categories.
YES Bank Business Credit Card
YES Bank’s business offering includes purchase protection, business travel insurance, and attractive reward redemptions for electronics and travel vouchers.
Ideal for small teams, it allows multiple add-on cards and gives exclusive access to YES Premia Business Services, including legal and compliance assistance.
How to Choose the Right Business Credit Card in 2025
Understand Your Business Spending Habits
Before selecting a card, analyze your business expenses over the past few months. Are you spending more on advertising, travel, office rent, or IT tools? Choose a card that rewards you in the category where you spend the most.
For example, if your team travels frequently, a card with airline rewards and lounge access makes more sense. If your business is digital, go for cards that provide cashback on online services and cloud subscriptions.
Look Beyond Rewards – Consider Billing & Credit Cycles
Rewards are important, but also look for features like custom billing cycles, GST-compliant invoices, and strong customer service. Timely statements and flexible due dates can help in maintaining healthy cash flow, which is crucial for startups and MSMEs.
Also, check for low forex markup fees if your business involves international clients or travel. Opt for cards that offer fraud protection, instant blocking, and real-time expense alerts.