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Designed for businesses seeking efficiency and control, the Corporate Credit Cards offer unmatched features and benefits. These are also known as employee credit cards as they are offered to employees by their employers to deal with official expenses. You can enjoy streamlined expense management, robust reporting tools, and tailored spending limits. These business credit cards come with competitive fees and charges, including transparent billing, ensuring cost-effectiveness. 

List of Some of the Top Corporate Credit Cards

There are several corporate credit cards available in the market to cater to diverse requirements. Here are some of India’s leading corporate credit cards and their key features: 

Corporate Credit Cards

Key Features

YES Prosperity Business Credit Card

  • 8 reward points for every ₹200 spent

  • Annual bonus of 10,000 reward points 

  • 7 complimentary visits to airport lounges

HDFC Premium Corporate Card

  • Supports a round-the-clock management information system

  • Easy integration with existing account system

  • Comes with complimentary membership of the Priority Pass Program

  • Provides a ₹1 Crore air travel accident insurance cover for cardholders 

HDFC Corporate Platinum Card

  • Supports a round-the-clock management information system

  • Creates category-wise management information system reports for cardholders

  • Provides a ₹1 Crore air travel accident insurance cover

YES FIRST Corporate Credit Card

  • Supports a round-the-clock management information system

  • Cardholders have access to individual account statements 

  • Comes with free insurance for any air accidents

IndusInd Bank Corporate Card

  • The card is equipped with a robust Expense Management platform

  • Provides a smart category-wise spending tracking and analysis

  • This card easily integrates with existing ERP system

  • You can enjoy the privilege of a dedicated service manager

Kotak Mahindra Corporate Wealth Signature Credit Card

  • The card is universally acceptable, online and at all stores

  • Comes with complimentary airport lounge access

  • Has a consolidated payment solution

  • Dedicated relationship manager

Kotak Mahindra Corporate Platinum Credit Card

  • The card is globally accepted online and at all stores

  • Comes with complimentary lounge access at select airports

  • Has a comprehensive solution for the payment system

  • Dedicated relationship manager

Axis Bank Corporate Credit Card

  • Comes with a unique management information system

  • Efficient and interactive reporting system

  • Comes with complimentary lounge access at select airports

  • The card is equipped with a single payment solution

SBI Platinum Corporate Card

  • Is equipped with a unique spend management tool  

  • Comes with a complimentary membership of Priority Pass

  • Air travel accident insurance cover of ₹1 Crore

  • This card is universally acceptable

Disclaimer: Some of the cards listed above are not available on Bajaj Markets. Kindly head to the respective providers' official website for the application process.

Benefits of a Corporate Credit Card

Here are the benefits of getting a corporate credit card for employees and employers:

1. Benefits for Employees

  • Simplified Expense Management

Pay for business expenses in a hassle-free way, right from company accounts

  • No Receipt Hassles

Eliminate worries about collecting bills and receipts for reimbursement

  • Travel Perks

Enjoy perks like airport and railway lounge access during business travel

  • Financial Stability

Avoid financial impact while waiting for reimbursement

  • Efficient Decision-making

Make quick business decisions without excessive documentation

  • Exciting Perks

Access concierge services, group discounts, fee waivers, and gift card discounts

  • Credit Score Protection

Personal credit remains unaffected, even if the employer defaults on payments

 

2. Benefits for Employers

  • Increased Spend Control

Corporate credit cards offer enhanced control and visibility over company spending

  • Expense Fraud Reduction

Streamline expense validation and reduce fraud by preventing receipt manipulation

  • Advanced Security Features

Equipped with technology to protect against theft, accidents, and misuse

  • Flexible Credit Limits

Organisations can set dynamic credit limits based on employees' credit needs

  • Boost Employee Morale

Enhance employee experience, contributing to an improved morale

  • Interest-free Credit

Access to interest-free credit helps improve overall cash flow for the company

How to Apply for Corporate Credit Cards

You can apply for credit cards on Bajaj Markets. However, some of the cards mentioned in the table above are not available here. However, you may explore other credit card options. Alternatively, you may visit the official websites of other credit card issuers. 

DISCLAIMER

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Frequently Asked Questions

What is a corporate credit card?

A corporate credit card is a type of card that financial institutions issue to large and established companies. These companies provide these cards to their employees to help them manage business expenses.

How is a corporate credit card different from a business credit card?

A business credit card is for anyone who needs a separate banking account for their business. A corporate credit card, on the other hand, is a type of credit card that is only offered to corporate entities. They offer it to their employees to manage business expenses.

Is it easy to get a corporate credit card?

As an individual, you cannot apply for or get a corporate credit card unless your employer offers it to you. Large and reputed companies generally find it easy to get corporate credit cards as long as their finances are in order. Lenders will decide to issue a corporate credit card after checking the company’s most recent financials and tax filings.

How do you qualify for a corporate credit card?

The eligibility criteria to qualify for a corporate card may vary from one bank to another. At the time of reviewing the application, banks usually assess the company’s financial health. They may also ask for some necessary documents such as profit/loss statements, annual revenue, tax filed, etc.

Who can get a corporate credit card?

If you work in an established company, your company can get corporate credit cards. You can get it if your company decides to issue it to you.

Is a corporate credit card good?

Yes, corporate credit cards offer several benefits to employees as well as companies. 

For instance, with these cards, employees do not need to pay for business expenses from their pockets, and employees can limit spending. These cards offer many other benefits like access to airport and railway lounges, insurance, no-cost travel upgrades, etc. depending on the card variant that you choose.

Can a corporate card be used for personal use?

While it’s not illegal to use a corporate credit card for personal needs, you might want to avoid it unless you’ve gotten permission from your employer.

Do corporate cards have credit limits?

Yes, corporate credit cards come with both individual and company-wide credit limits that are set by the credit card issuer after consulting with the company.

Will using a corporate credit card affect my credit score?

No, it’s unlikely that using your company-issued credit card will affect your credit score, either positively or negatively.

Can you withdraw cash from a corporate credit card?

Yes, many corporate credit cards come with an emergency cash withdrawal facility. However, it’s best to check with your employer and/or credit card company before doing so.

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