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Best Credit Card for Business Credit Card in India (2026)

Quick answer:

HDFC BizPower Credit Card gives you up to 6.7% back on credit cards for business owners and enterprises — the highest of any card we track. Scapia Federal Credit Card is the best free alternative.

Updated April 2026·10 cards compared·No affiliate commissions

Key insight

Business cards separate personal and business expenses, offer higher limits, and earn rewards on B2B spending categories. GST input credit on card fees is an added benefit.

Top 10 Cards for Business Credit Card

1

HDFC BizPower Credit Card

HDFC

Up to 6.7% — directly optimised for business

Reward rateUp to 6.7%
Annual fee₹2,500
Score8.3/10
Co-branded / Direct
2

HDFC BizGrow Credit Card

HDFC

Up to 6.7% — directly optimised for business

Reward rateUp to 6.7%
Annual fee₹500
Score7.4/10
Co-branded / Direct
3

HDFC Diners Club Black

HDFC

Up to 33% on travel

Reward rateUp to 33%
Annual fee₹10,000
Score9.1/10
4

HDFC Diners Club Metal Edition

HDFC

Up to 33% on high spender

Reward rateUp to 33%
Annual fee₹10,000
Score8.9/10
5

DBS Spark20 Credit Card

DBS

Up to 20% on rewards

Reward rateUp to 20%
Annual fee₹1,499
Score8.2/10
6

SpiceJet Axis Bank Voyage Black Credit Card

Axis

Up to 14% on travel (best on spicejet)

Reward rateUp to 14%
Annual fee₹2,000
Score8.3/10
7

HDFC Regalia

HDFC

Up to 13% on travel

Reward rateUp to 13%
Annual fee₹2,500
Score8.3/10
8

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST

Up to 10% on travel

Reward rateUp to 10%
Annual fee₹3,000
Score9/10
9

HDFC Infinia

HDFC

Up to 10% on high spender

Reward rateUp to 10%
Annual fee₹12,500
Score8.9/10
10

HDFC Infinia Metal Edition

HDFC

Up to 10% on high spender

Reward rateUp to 10%
Annual fee₹12,500
Score8.9/10

How We Ranked These

We ranked all 239 credit cards in our database against Business Credit Card using three tiers of relevance:

  1. Direct match — cards specifically designed for or partnered with Business Credit Card (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that Business Credit Card falls under
  3. Broad match — cards that earn elevated rewards on related or overlapping categories

Within each tier, cards are sorted by effective reward rate (highest first), then by CardTrail Score as a tiebreaker. Every number on this page comes from our database — nothing is fabricated.

The Math: How Much Can You Actually Earn?

Monthly spendHDFC BizPower Credit CardHDFC BizGrow Credit CardHDFC Diners Club Black
₹5.0K/mo₹4.0K/yr₹4.0K/yr₹19.8K/yr
₹15.0K/mo₹12.1K/yr₹12.1K/yr₹59.4K/yr
₹30.0K/mo₹24.1K/yr₹24.1K/yr₹1.2L/yr

Assumes consistent monthly spending at the card's maximum reward rate for the matching category. Actual returns may vary based on reward caps, tier structures, and point redemption value.

Common Pitfalls to Watch For

!

Business cards often require GST registration or business vintage of 2+ years

!

Reward structures are different from personal cards — optimised for office supplies, travel, and telecom

!

Personal liability may apply if the business defaults — read the card agreement carefully

Free vs Paid: Is the Annual Fee Worth It?

Best Free Card

Scapia Federal Credit Card

Federal Bank · ₹0 annual fee

Up to 10% on credit cards for business owners and enterprises

Score: 8.7/10

Best Overall

HDFC BizPower Credit Card

HDFC · ₹2,500 annual fee

Up to 6.7% on credit cards for business owners and enterprises

Score: 8.3/10

Cards to Avoid for Business Credit Card

These are popular, well-rated cards that earn only their base reward rate on credit cards for business owners and enterprises. If you carry one of these, use a different card for Business Credit Card purchases.

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on credit cards for business owners and enterprises

HDFC Millennia

HDFC · Score: 8.7/10 — but only 1% on credit cards for business owners and enterprises

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on credit cards for business owners and enterprises

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on credit cards for business owners and enterprises

PhonePe HDFC Bank Ultimo Credit Card

HDFC · Score: 8.6/10 — but only 1% on credit cards for business owners and enterprises

These are great cards for other spending categories — just not for credit cards for business owners and enterprises. Use the top-ranked card above instead.

Related: Best Cards for Similar Spending

Best for Self-Employed & Freelancer

Frequently Asked Questions

Which credit card gives the highest cashback on Business Credit Card?
HDFC BizPower Credit Card from HDFC gives up to 6.7% back on credit cards for business owners and enterprises. It has a CardTrail Score of 8.3/10 with an annual fee of ₹2,500.
Is there a no-annual-fee credit card good for Business Credit Card?
Yes — Scapia Federal Credit Card is a free card (₹0 annual fee) that earns up to 10% on credit cards for business owners and enterprises. CardTrail Score: 8.7/10.
How do credit card rewards work on Business Credit Card?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Business Credit Card transactions are assigned an MCC by the payment network, and cards with accelerated rewards on that MCC earn higher cashback or points.
Which popular credit cards should I avoid using for Business Credit Card?
Cards like IndusInd Tiger Credit Card, HDFC Millennia, HDFC Swiggy Credit Card have high overall scores but earn only their base rate (1.2% or less) on credit cards for business owners and enterprises. Use a category-matched card instead.

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