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Business Credit Card

Do you run a business but don’t own a business credit card? You are surely missing out! A business credit card, as the name suggests, is designed specifically for tackling business expenses. It allows you to streamline all expenses related to your business on the card while preventing its use for personal transactions. Both employers and employees stand to benefit when using the cards. Employees can use the card to pay for business expenses with ease, while you, the employer, can monitor such expenses. You can also enjoy several benefits on the cards such as special business savings plans, business credit card rewards programs, fuel surcharge waivers and more.

Let us take a look at all such features and benefits that a business credit card offers.

Features and Benefits of Business Credit Cards

While the features and benefits may differ from card to card, here is a list of some of the common advantages you can expect with regards to a business credit card.

  • You can get a clear idea of all your business-related expenses with ease by doing a spend analysis on all the cards, every month
  • You or your employees do not need to carry cash around as cashless and secure transactions for your business can be done by just swiping the business CC
  • You can manage the card, such as view the account statement, pay the card bill, raise disputes, block cards, etc., conveniently online using the bank’s net banking portal
  • Time required for tracking and calculating expenses can be done away with, making it easier to budget for future expenses.
  • You can put a cap on the spending limit of the business CC to keep a check on the credit card expenses of the employees
  • You can also restrict the categories for which your employees can transact using the business credit card
  • You can enjoy special business credit card offers, earn reward points, get cashback, and do so much more with the business credit card
  • The business credit card payment process is easy and can be carried out for business-related expenses on multiple credit cards in one go

Top Business Credit Cards

Several popular financial institutions in the country offer business credit cards designed to match the specific needs of businesses. Here is a list of some of the best business credit cards in the country that you can opt for.

HDFC Business Regalia Credit Card-

When it comes to premium credit cards, the Business Regalia Credit Card is definitely the best business advantage credit card. It offers several benefits across a range of categories such as shopping, dining, travel, entertainment, and more.

 

Business Credit Card Benefits-

 

  • The card doubles as the best cash back business credit card and gives you 5% cashback (worth up to INR 500) on all utility and other bill payments
  • On every spend worth INR 150, you get 4 reward points which can be redeemed against travel vouchers, flight tickets, and hotel bookings.
  • On annual spends of INR 5 lakhs in the anniversary year, you can earn 10,000 reward points as a bonus
  • Additional 5,000 Reward Points can be earned against retail spends of INR 8 Lakhs on the card’s anniversary year
  • At both domestic and international terminals, you can enjoy 12 complimentary airport lounge visits per calendar year

Business Credit Card Fees-

 

Annual Fee- INR 2,500 (waived off upon spends of INR 60,000 within 90 days)

Renewal Fee- INR 2,500 (waived off upon spends of INR 3 Lakhs in 12 months)

 

HDFC Business MoneyBack Credit Card-

With a low annual fee, this is one of the best business credit cards you can opt for. The card lets you earn accelerated rewards, cashback, fuel surcharge waivers, etc., while taking care of all your key business expenses. It comes with several business-centric benefits to make the transactions on the card rewarding.

 

Business credit card benefits-

 

  • On every INR 150 spent online, you can earn 4 reward points
  • On all offline expenses apart from fuel, you can earn 2 rewards points for every INR 150 spent on the card
  • On key business spends such as railway ticket purchases, cab and hotel booking, tax-related expenses, utility bill payments, etc., earn 5% cashback
  • Using Dineout Pay, you can avail discount of up to 20% + 5% (additional)
  • You can avail flat 25% off at 2000+ premium restaurants, along with - 1+1 on the buffet at 200+ restaurants, as well as early access to special food festivals and events, such as Gourmetlicious, as a part of the exclusive complimentary Dineout Passport Membership
  • The business travel rewards credit card lets you enjoy a fuel surcharge waiver of 1% at all fuel stations across India (Minimum transaction- INR 400; Maximum waiver INR 250 per statement cycle)

Business Credit Card Charges-

 

Annual Fee- INR 500 (waived off upon spends of INR 20,000 within 90 days)

Renewal Fee- INR 500 (waived off upon spends of INR 50,000 in 12 months)

So, what are you waiting for? Apply for the best business credit card today!

How to Apply for a Business Credit Card?

Applying for a domestic or international business credit card online is simple and can be done both online and offline. To apply for a business credit card online, in a hassle-free way, you can go to the Finserv MARKETS website. The steps you would need to follow are mentioned below-

  • Visit Finserv MARKETS
  • Fill in the details to check your eligibility
  • Compare between the top business credit cards available
  • Select the best business credit card
  • Fill the form and submit your business credit card application online

If you would like to opt for the offline mode of applying for a business credit card, you can view the range of business credit cards available on the Finserv MARKETS site, choose the one you like best, and visit the card-issuing bank to apply for a credit card. The executive at the bank would help you fill the application form and verify your documents before processing the request. You can also call the bank’s customer care number for any assistance regarding your business credit card application.

Frequently Asked Questions

  • ✔️What is a business credit card?

    A business credit card, as the name suggests, is designed specifically for tackling business expenses. It can be availed by anyone who wishes to have a separate business account. It allows you to streamline all expenses related to your business on the card, while preventing its use for personal transactions. Both employers and employees stand to benefit when using a business credit card. 

  • ✔️What special offers can I avail on a business credit card?

    A business credit card lets you earn accelerated rewards, cashback, fuel surcharge waivers, etc., along with taking care of all your key business expenses. Some cards also offer exclusive complimentary memberships which allow you to save more on dining and travel-related expenses.

  • ✔️What are the features of a business credit card?

    A business credit card lets you do cashless and secure transactions for all your business-related expenses. You can control the type and amount of spends that can be made using the card. As an employer, you can also view and manage multiple credit cards and the expenses on them conveniently, in one place.

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