Running a business in India means managing expenses smartly. Whether you’re a startup, freelancer, or an established firm, business credit cards can offer exceptional value—cashback, travel rewards, complimentary insurance, and expense management tools.
In 2025, banks and financial institutions are competing fiercely to attract business owners with reward-heavy credit cards. This guide explores the best business credit card rewards in India, comparing benefits, fees, and ideal use cases to help you pick the perfect match for your company’s financial goals.
Why Choose a Business Credit Card in 2025?
Before diving into the list, let’s understand why business credit cards are worth it for entrepreneurs:
| Benefits | Description |
|---|---|
| Expense Tracking | Easily monitor and categorize business expenses through monthly statements and analytics. |
| Reward Points | Earn points on every transaction—redeemable for flights, cashback, or vouchers. |
| Separate Business Finances | Keeps your business and personal expenses clearly divided. |
| Higher Credit Limits | Business cards usually offer more credit than personal cards. |
| Employee Cards | Get supplementary cards for employees with spending limits. |
Top 7 Best Business Credit Card Rewards in India (2025)
Let’s review the top business credit cards that offer the best reward programs, cashback, and travel benefits for 2025.
1. HDFC Business Regalia Credit Card
Best for: Frequent business travelers and high-spending entrepreneurs.
Key Features:
- 4 Reward Points for every ₹150 spent.
- Complimentary domestic and international lounge access.
- Comprehensive travel and air accident insurance.
- 10X Reward Points on SmartBuy and partner brands.
| Details | Information |
|---|---|
| Annual Fee | ₹2,500 + GST |
| Reward Rate | Up to 1.33% |
| Welcome Benefit | 2,500 Reward Points |
| Airport Lounge Access | 12 per year (6 international, 6 domestic) |
Why It’s Great:
The HDFC Business Regalia card is perfect for professionals who travel often and want to maximize points on travel and lifestyle spends. Its lounge access and reward flexibility make it a premium choice in 2025.
2. SBI Platinum Corporate Credit Card
Best for: SMEs and corporate users with frequent business expenses.
Key Features:
- Earn 2 Reward Points for every ₹100 spent.
- Customizable spend controls for employees.
- Integration with business expense management tools.
- Complimentary fraud liability cover.
| Details | Information |
|---|---|
| Annual Fee | ₹499 (waived on annual spends of ₹1 lakh) |
| Reward Rate | 0.5% – 1% |
| Interest-Free Period | Up to 50 days |
| Liability Cover | Up to ₹1 lakh |
Why It’s Great:
The SBI Platinum Corporate card is one of the most cost-effective options, offering a balance between affordability and essential rewards. It’s ideal for small business owners looking for control and flexibility.
3. Axis Bank MY Business Credit Card
Best for: Cashback lovers and everyday business spenders.
Key Features:
- Up to 2% cashback on office supplies, utilities, and travel bookings.
- Free airport lounge visits.
- Spend-based annual fee waiver.
- Fuel surcharge waiver at all petrol pumps.
| Details | Information |
|---|---|
| Annual Fee | ₹999 + GST |
| Cashback Rate | Up to 2% |
| Lounge Access | 2 visits per quarter |
| Annual Fee Waiver | On spends above ₹2 lakh |
Why It’s Great:
Axis MY Business card gives straightforward cashback, making it excellent for startups and entrepreneurs who prefer instant savings rather than complex reward structures.
4. American Express Platinum Business Card
Best for: Luxury-seeking business owners and high-net-worth entrepreneurs.
Key Features:
- Membership Rewards® Points redeemable for travel, stays, and vouchers.
- Premium concierge service and global acceptance.
- Complimentary travel insurance and airport lounge access worldwide.
- Flexible credit limit with no pre-set spending cap.
| Details | Information |
|---|---|
| Annual Fee | ₹35,000 + GST |
| Reward Points | 1 point per ₹40 spent |
| Lounge Access | 12 international + unlimited domestic |
| Special Perks | Taj, Oberoi, and Marriott privileges |
Why It’s Great:
For entrepreneurs who want luxury, global travel rewards, and high credit limits, Amex Platinum Business is unmatched. Though expensive, the benefits easily justify the cost for frequent travelers.
5. ICICI Bank Business Advantage Black Card
Best for: Cashback and travel balance.
Key Features:
- 1% cashback on domestic spends and 2% on international spends.
- Complimentary travel insurance.
- Unlimited fuel surcharge waiver.
- 24/7 expense tracking dashboard.
| Details | Information |
|---|---|
| Annual Fee | ₹1,500 + GST |
| Cashback Rate | 1%–2% |
| Interest-Free Period | Up to 48 days |
| Fuel Waiver | 1% at all petrol stations |
Why It’s Great:
It’s a well-rounded choice for businesses that deal with international clients. The cashback system ensures every rupee spent contributes to savings.
6. YES Prosperity Business Credit Card
Best for: Startups and freelancers.
Key Features:
- 4 Reward Points per ₹200 spent.
- 25% discount on movie bookings via BookMyShow.
- 0% foreign currency markup for select transactions.
- Complimentary insurance cover.
| Details | Information |
|---|---|
| Annual Fee | ₹999 |
| Reward Rate | 1% approx. |
| Foreign Transaction Fee | 0% (on select spends) |
| Insurance Cover | ₹50 lakh air accident cover |
Why It’s Great:
YES Bank’s Prosperity Business card targets small business owners who want moderate rewards with a focus on lifestyle and travel perks.
7. Kotak Corporate Wealth Signature Credit Card
Best for: Mid-sized companies and professionals with diverse spend patterns.
Key Features:
- Up to 8X Reward Points on select spends.
- Complimentary Priority Pass for global lounge access.
- Free annual fee renewal on high annual spending.
- Insurance cover for business travel.
| Details | Information |
|---|---|
| Annual Fee | ₹2,499 + GST |
| Reward Rate | 1%–1.5% |
| Lounge Access | Global (Priority Pass) |
| Annual Fee Waiver | Spends above ₹4 lakh |
Why It’s Great:
Kotak’s card offers balanced rewards and premium benefits for mid-level entrepreneurs who spend strategically across multiple business categories.
Comparison Table: Best Business Credit Card Rewards in India 2025
| Credit Card | Annual Fee | Reward Type | Ideal For | Key Benefit |
|---|---|---|---|---|
| HDFC Business Regalia | ₹2,500 | Reward Points | Frequent Travelers | Lounge access & high points |
| SBI Platinum Corporate | ₹499 | Reward Points | SMEs | Low annual fee & controls |
| Axis MY Business | ₹999 | Cashback | Startups | Direct cashback |
| Amex Platinum Business | ₹35,000 | Membership Points | HNIs | Luxury & global perks |
| ICICI Advantage Black | ₹1,500 | Cashback | International Users | 2% cashback on foreign spends |
| YES Prosperity Business | ₹999 | Reward Points | Freelancers | 0% forex markup |
| Kotak Wealth Signature | ₹2,499 | Reward Points | Professionals | 8X points & lounge access |
How to Choose the Right Business Credit Card
Choosing the best business credit card depends on your company’s financial behavior and spending categories. Here’s how to decide:
| Category | Recommended Card | Reason |
|---|---|---|
| Frequent Flyers | HDFC Business Regalia / Amex Platinum | High travel rewards & lounges |
| Startups / Freelancers | Axis MY Business / YES Prosperity | Low fees, instant cashback |
| International Business | ICICI Advantage Black | 2% cashback on global spends |
| Corporate Teams | SBI Platinum Corporate | Expense control & analytics |
| Luxury Business Owners | Amex Platinum Business | Concierge & hotel perks |
Tips to Maximize Business Credit Card Rewards
- Use the Card for All Business Payments – Office supplies, fuel, ad spends, and utilities can all earn rewards.
- Redeem Strategically – Convert points to air miles or vouchers for higher value.
- Monitor Offers – Banks often give seasonal or partner-based 10X reward deals.
- Pay on Time – Avoid interest or late payment charges that can nullify your rewards.
- Leverage Employee Cards – Get more rewards from team spending without losing control.
Tax Benefits and Accounting Simplicity
Using a business credit card simplifies GST input claims and accounting, as all expenses are neatly tracked under one statement. These cards also help build your business credit score, which can make it easier to secure loans or corporate lines of credit in the future.
Final Thoughts
In 2025, Indian entrepreneurs are smarter and more reward-driven than ever. The best business credit card rewards are not just about cashback or travel perks—they’re about control, savings, and convenience.
- For premium benefits, choose American Express Platinum Business.
- For value seekers, Axis MY Business and SBI Platinum Corporate are top picks.
- And for frequent flyers, HDFC Business Regalia remains unbeatable.
With the right business credit card, your everyday expenses can turn into valuable rewards, giving your company both flexibility and financial advantage.