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Business credit cards
The good news is that getting a business credit card is not too hard. You may have heard of the exciting privileges that come alongside the business credit cards such as business trips, air miles, access to airport lounges and more.
Features and Benefits
Best Business credit cards 2023
American Express Platinum Corporate Card
(4.4/5)
☆☆☆☆☆ 4.4/5
- Cashback
- Rewards
Fee
Joining Fee - Rs. 500
Annual Fee – Rs. 500
More info
- The American Express Platinum Corporate Card is a premium credit card designed for businesses with high expenses.
- This card offers a range of benefits such as exclusive travel privileges, 24/7 concierge services, and access to airport lounges. (complimentary membership to the Taj Epicure program, Privileges at Fine Hotels and Resorts, Dedicated Travel Services)
- You can earn Membership Rewards points for every transaction made with the card, which can be redeemed for air miles or cashback.
- 350+ e-vouchers across 175 brands
- Moreover, the card also provides comprehensive travel insurance and fraud protection, making it a great option for frequent travelers.
- The annual fee for this card is Rs. 10,000, which can be waived off if the spending exceeds a certain amount.
HDFC Corporate Platinum Credit Card
(4.4/5)
☆☆☆☆☆ 4.4/5
- Cashback
- Rewards
Fee
Joining Fee - Rs. 500
Annual Fee – Rs. 500
More info
- HDFC Corporate Platinum Credit Card is an ideal credit card for small and medium-sized enterprises (SMEs).
- 3 Reward Points for every Rs. 150 spent
- 2 Domestic airport lounge visits quarterly
- Corporate Liability Waiver Insurance
- Insurance Protection up to Rs 1 Crore
- customized reports on expenses, spend categories and behaviour for better informed business decisions
- Easy integration with existing accounting systems
- Better offers with Airlines, Hotel Chains, and Airport lounges
Premium
ICICI Bank Business Platinum Credit Card
(4.4/5)
☆☆☆☆☆ 4.4/5
- Cashback
- Rewards
Fee
Joining Fee - Rs. 500
Annual Fee – Rs. 500
More info
- ICICI Bank Business Platinum Credit Card is another great option for SMEs. The card offers a simple solution to manage all your business expenses and comes with an array of benefits
- Two Complimentary Airport lounge access (domestic) per quarter
- With VISA IntelliLink Spends Management, get customized reports on expenses, track category-wise shopping, to take better informed business decisions
- Personal Air Accident insurance upto Rs. 25 lakhs
- The annual fee for this card is Rs. 999.
Premium
Axis Bank MY Business Credit Card
(4.4/5)
☆☆☆☆☆ 4.4/5
- Cashback
- Rewards
Fee
Joining Fee - Rs. 500
Annual Fee – Rs. 500
More info
- Axis Bank My Business Credit Card is an effective way to manage your business expenses. The card offers a range of benefits such as cashback on all transactions made with the card, exclusive discounts on business-related expenses such as travel, dining, and office supplies.
- Get complimentary access to airport lounges (2 visits per quarter)
- 1% Surcharge waiver on all fuel transactions within India
- The annual fee for this card is Rs. 999, which can be waived off if the spending exceeds a certain amount.
Premium
What are instant approval credit cards?
Instant approval credit cards are a type of credit card that offers quick approval to applicants. The approval process is usually done online and can take just a few minutes. This means that you can apply for a card and get approved almost instantly.
These cards are designed for people who need access to credit quickly, such as those who are traveling and need to make purchases or those who have an unexpected expense that they need to cover. They are also ideal for people who have a good credit score and are looking for a card with good benefits.
Benefits of instant approval credit cards in India
- Quick approval process: As the name suggests, one of the biggest benefits of instant approval credit cards is the quick approval process. You can apply for a card and get approved within minutes. This is especially useful if you need access to credit quickly.
- Cashback and rewards: Many instant approval credit cards in India offer cashback and rewards on purchases. This means that you can earn rewards or cashback on your purchases, which can help you save money in the long run.
- No annual fee: some instant approval credit cards in India come without an annual fee. This means that you can enjoy the benefits of the card without having to pay an annual fee.
- Low interest rates: Many instant approval credit cards in India offer low-interest rates, which can be helpful if you need to carry a balance. This can help you save money on interest charges.
- Travel benefits: Some instant approval credit cards in India offer travel benefits such as airport lounge access, free travel insurance, and discounts on travel bookings. These benefits can be especially useful for frequent travelers.
- Easy redemption: Many instant approval credit cards in India offer easy redemption options for rewards and cashback. You can redeem your rewards or cashback easily through the bank’s website or mobile app.
How to choose the right instant approval credit card in India?
- Look for a card with good rewards and cashback: When choosing an instant approval credit card in India, look for a card that offers good rewards and cashback on purchases. This can help you save money in the long run.
- Consider the interest rate: Look for a card with a low-interest rate if you plan to carry a balance. This can help you save money on interest charges.
- Check for annual fees: Some instant approval credit cards in India have an annual fee. Make sure to check the annual fee before applying for a card.
- Look for travel benefits: If you are a frequent traveler, look for a card that offers travel benefits such as airport lounge access, free travel insurance, and discounts on travel bookings.
- Check for easy redemption options: Look for a card that offers easy redemption options for rewards and cashback. This can make it easier for you to redeem your rewards and cashback.