#1 the call Keep
HDFC Biz Black Metal
₹1,31,528
net ₹/yr at ₹2L/mo
3.33% everyday · 16.50% on 5X business payments (tax/GST/bills/MyBiz) (10% of spend) · ₹10,000/yr
Best of · September 2026
The best business card, called.
A business card is not a better or worse version of a personal one, so this desk refuses to rank the two together — and then owed you the other board. Here it is: every priced business and corporate card in India, ranked against each other on what ₹2L a month actually returns, with the tax, GST and vendor-payment accelerators CREDITED, because everyone reading this board is a business. HDFC Biz Black Metal pays ₹1,31,528 a year.
the call, and how it's made fold that back up
What is the best business credit card in India?
HDFC Biz Black Metal. Run all 70 priced business and corporate cards on the desk through the ranking engine at ₹2L a month — ₹24L a year, a GST-registered small business's card turnover — and it returns ₹1,31,528 a year net of its fee, the biggest number here. These cards are ranked against each other and never against a personal one: that is ADR 0012's rule and this board is what it leaves room for. On a GST challan or a tax payment specifically, the desk has read a government-counter rule onto 13 of these 70 cards: 9 earn on it and 4 do not, and the highest-ranked one that does is HDFC Biz Black Metal.
The ₹ here is the ranking model — net annual value PLUS each card's own published accelerator on its own published share of spend, the same engine behind /compare. Every other best-of board runs the earn-rate-only model and reads lower for the same card (both models, side by side →).
Verified through · The records behind this board — the business-card records this ranks and the house valuations their points are priced at — carry re-verification dates from 10 Jul 2026 to 25 Sept 2026; the board is recomputed from them on every build.
The top three
#2 Keep
HDFC BizPower
₹82,412
net ₹/yr at ₹2L/mo
1.63% everyday · 8.10% on 5X business spends (GST/income tax, ads, bills, MyBiz) (15% of spend) · ₹2,500/yr
#3 Keep
Flipkart Wholesale HDFC Bank
₹43,200
net ₹/yr at ₹2L/mo
1.00% everyday · 5.00% on Flipkart Wholesale online spends (20% of spend) · ₹499/yr
The rest of the field
Ranks 4–15 of 70
| # | Card | net ₹/yr at ₹2L/mo | The math |
|---|---|---|---|
| 4 | IndusInd Vrddhi Business | ₹42,240 | 1.60% everyday · 3.20% on International spend (10% of spend) · ₹10,000 joining, then ₹4,999/yr |
| 5 | Paytm HDFC Bank Select Business | ₹38,392 | 1.00% everyday · 4.10% on Paytm bill stack and travel, plus Swiggy / AJIO / Big Basket / Uber (18% of spend) · ₹1,000/yr |
| 6 | YES First Business | ₹33,200 | 1.00% everyday · 2.00% on Air, hotel, dining & travel (20% of spend) · ₹999/yr |
| 7 | Kotak Solitaire Business | ₹30,429 | 0.67% everyday · 4.67% on Kotak Unbox flights and hotels (7X) (15% of spend) · ₹0 joining, then ₹3,499/yr |
| 8 | HDFC Bank Corporate Premium | ₹24,000 | 1.00% everyday, no accelerator published · ₹0 — lifetime free |
| 9 | ICICI Bank Business Advantage Black | ₹24,000 | 1.00% everyday, no accelerator published · ₹1,500 joining, then ₹1,000/yr |
| 10 | AU Business Cashback Credit Card | ₹24,000 | 1.00% everyday, no accelerator published · ₹1,188/yr |
| 11 | IB-VISA-Business | ₹24,000 | 1.00% everyday, no accelerator published · ₹0 joining, then ₹500/yr |
| 12 | HDFC Bank Purchase Premium | ₹23,448 | 0.53% everyday · 5.00% on 5% CashBack on business essential spends (10% of spend) · ₹0 — lifetime free |
| 13 | IDFC FIRST Business Multiplier | ₹22,500 | 1.25% everyday, no accelerator published · ₹1,000/yr |
| 14 | IndusInd Saarthi Business | ₹21,120 | 0.80% everyday · 1.60% on International spend (10% of spend) · ₹2,500 joining, then ₹1,499/yr |
| 15 | IDFC FIRST Business | ₹20,001 | 0.50% everyday · 8.00% on App hotel bookings (5% of spend) · ₹999/yr |
the other 55 cards — ranks 16 to 70 fold the other 55 back up
| # | Card | net ₹/yr at ₹2L/mo | The math |
|---|---|---|---|
| 16 | IDFC FIRST Business Max | ₹18,000 | 0.75% everyday, no accelerator published · ₹0 — lifetime free |
| 17 | YES First Corporate | ₹18,000 | 0.75% everyday, no accelerator published · ₹0 — lifetime free |
| 18 | Paytm HDFC Bank Business | ₹17,204 | 1.00% everyday · 2.40% on Paytm bill stack and other Paytm spends (14% of spend) · ₹500/yr |
| 19 | YES Prosperity Business | ₹16,600 | 0.50% everyday · 1.00% on Air, hotel, dining & travel (20% of spend) · ₹499/yr |
| 20 | HDFC Bank BizGrow | ₹14,136 | 0.30% everyday · 3.00% on 10X business spends (income tax, GST, PayZapp & SmartPay bills, MyBiz travel, software) (12% of spend) · ₹500/yr |
| 21 | Axis Bank Business Supreme Mastercard | ₹13,560 | 0.40% everyday · 0.80% on 8 points per ₹200 on international spend (10% of spend) · ₹1,500/yr |
| 22 | IDFC FIRST Corporate | ₹13,440 | 0.40% everyday · 2.00% on International spends (including DCC) (10% of spend) · ₹0 — lifetime free |
| 23 | Aditya Birla Capital AU Biz | ₹13,200 | 0.25% everyday · 1.25% on Grocery, utilities, education & government (30% of spend) · ₹588/yr |
| 24 | Kotak BizEdge Credit Card | ₹13,099 | 0.33% everyday · 1.67% on Business essentials — tax, utilities, insurance, government, fuel, office supplies, telecom, electronics (30% of spend) · ₹999/yr |
| 25 | Canara Bank VISA Corporate | ₹12,000 | 0.50% everyday, no accelerator published · ₹0/yr · ₹250 joining (one-time) |
| 26 | IDFC FIRST Purchase | ₹11,100 | 0.38% everyday · 1.25% on International spends (including DCC) (10% of spend) · ₹0 — lifetime free |
| 27 | ICICI Bank Business Ascent Amex | ₹9,600 | 0.38% everyday · 0.50% on 4 points per ₹200 on airline and dining spend (20% of spend) · ₹2,000 joining, then ₹1,500/yr |
| 28 | HDFC Bank GIGA Business | ₹9,120 | 0.20% everyday · 0.60% on Business digital spends, bill payments, income tax and GST (25% of spend) · ₹500/yr |
| 29 | Kotak Biz | ₹9,101 | 0.25% everyday · 1.00% on Travel agencies, domestic airlines, hotels & supermarkets (20% of spend) · ₹299 joining, then ₹499/yr |
| 30 | RBL Corporate T&E Gold | ₹8,398 | 0.33% everyday · 0.50% on International spend (10% of spend) · ₹0 — lifetime free |
| 31 | RBL RazorpayX Corporate T&E | ₹8,398 | 0.33% everyday · 0.50% on International spend (10% of spend) · ₹0 — lifetime free |
| 32 | IDFC FIRST Micro Enterprise | ₹8,000 | 0.38% everyday, no accelerator published · ₹0 joining, then ₹1,000/yr |
| 33 | RBL Corporate T&E Platinum | ₹6,399 | 0.33% everyday · 0.50% on International spend (10% of spend) · ₹1,999/yr |
| 34 | ICICI Bank Business Advantage Blue | ₹6,000 | 1.00% everyday, no accelerator published · ₹500/yr |
| 35 | BOBCARD EMPOWER | ₹6,000 | 0.25% everyday, no accelerator published · ₹0 joining, then ₹500/yr |
| 36 | ICICI Bank Business Essential Amex | ₹5,700 | 0.13% everyday · 0.50% on 4 points per ₹200 on online spend (30% of spend) · ₹1,000/yr |
| 37 | HDFC Bank Micro Enterprise Business | ₹5,280 | 0.20% everyday · 0.40% on Fuel and bill payments, above ₹10,000 of spend in a billing cycle (15% of spend) · ₹0 joining, then ₹500/yr |
| 38 | ICICI Bank Corporate Platinum | ₹5,001 | 0.25% everyday, no accelerator published · ₹999/yr |
| 39 | PNB Corporate VISA | ₹5,000 | 0.25% everyday, no accelerator published · ₹1,000/yr |
| 40 | Axis Bank Business Supreme Visa | ₹3,840 | 0.10% everyday · 0.40% on 4x on travel agents, domestic airlines and advertising (20% of spend) · ₹0 — lifetime free |
| 41 | ICICI Bank Gold Business Card | ₹3,300 | 0.13% everyday · 0.25% on 2 points per ₹200 on international spend (10% of spend) · ₹0 — lifetime free |
| 42 | ICICI Bank Corporate Gold | ₹3,000 | 0.13% everyday, no accelerator published · ₹0 — lifetime free |
| 43 | Axis Bank Corporate Credit Card | ₹2,760 | 0.10% everyday · 0.20% on 2 points per ₹200 on international spend (15% of spend) · ₹0 — lifetime free |
| 44 | Axis Bank Purchase Reward Card | ₹2,640 | 0.10% everyday · 0.20% on 2 points per ₹200 on international spend (10% of spend) · ₹0 — lifetime free |
| 45 | ICICI Bank Platinum Business Card | ₹2,301 | 0.13% everyday · 0.25% on 2 points per ₹200 on international spend (10% of spend) · ₹999/yr |
| 46 | HDFC Bank Biz First | ₹2,120 | 0.10% everyday · 0.30% on EMI spends (15% of spend) · ₹500/yr |
| 47 | HDFC Bank Purchase MoneyBack | ₹0 | 1.00% everyday, no accelerator published · ₹0 — lifetime free |
| 48 | HDFC Bank Purchase Reward | ₹0 | 1.25% everyday, no accelerator published · ₹0 — lifetime free |
| 49 | HDFC Bank Purchase Card | ₹0 | 0.00% everyday, no accelerator published · ₹0 — lifetime free |
| 50 | RBL Corporate Purchase Procure+ | ₹0 | 0.00% everyday, no accelerator published · ₹0 — lifetime free |
| 51 | RBL RazorpayX Corporate Purchase | ₹0 | 0.00% everyday, no accelerator published · ₹0 — lifetime free |
| 52 | RBL Corporate Purchase Tax+ | ₹0 | 0.00% everyday, no accelerator published · ₹0 — lifetime free |
| 53 | Union Bank Micro Enterprise | −₹1,000 | 0.00% everyday, no accelerator published · ₹0 joining, then ₹1,000/yr |
| 54 | Amazon Pay Kotak Business Credit Card | ₹43,200 | 1.00% everyday · 5.00% on Amazon Business + flights & hotels — Prime (20% of spend) · ₹0 joining, then ₹499/yr · availability not published |
| 55 | SBI Card ELITE Business | ₹36,500 | 0.50% everyday · 2.50% on Dining, utility bills & office supplies (25% of spend) · ₹4,999/yr · closed to new applicants |
| 56 | SBI Card PRIME Business | ₹31,000 | 0.50% everyday · 2.50% on Dining, utility bills & office supplies (25% of spend) · ₹2,999/yr · closed to new applicants |
| 57 | HDFC Bank Business Regalia | ₹24,000 | 1.00% everyday, no accelerator published · ₹2,500/yr · closed to new applicants |
| 58 | METRO Kotak | ₹13,800 | 0.50% everyday · 1.00% on METRO spend above ₹5 lakh a month (15% of spend) · ₹0 — lifetime free · closed to new applicants |
| 59 | HDFC Bank Business Platinum | ₹12,000 | 0.50% everyday, no accelerator published · ₹0 — lifetime free · closed to new applicants |
| 60 | Retailio HDFC Bank Business | ₹10,193 | 0.33% everyday · 5.00% on Utility, telecom, government and tax payments (10% of spend) · ₹499/yr · closed to new applicants |
| 61 | Jet Airways CitiBusiness | ₹9,600 | 0.40% everyday, no accelerator published · ₹0 — lifetime free · closed to new applicants |
| 62 | Axis Bank MY Business | ₹9,101 | 0.40% everyday, no accelerator published · ₹999 joining, then ₹499/yr · closed to new applicants |
| 63 | HDFC Bank Business MoneyBack | ₹8,425 | 0.25% everyday · 0.50% on 2X Reward Points on online spends (30% of spend) · ₹500/yr · closed to new applicants |
| 64 | BOBCARD Micro Enterprise | ₹6,000 | 0.25% everyday, no accelerator published · ₹0 joining, then ₹500/yr · availability not published |
| 65 | BOBCARD CORPORATE | ₹6,000 | 0.25% everyday, no accelerator published · ₹0 joining, then ₹1,000/yr · availability not published |
| 66 | CSC Small Business MoneyBack HDFC Bank | ₹6,000 | 0.20% everyday · 0.40% on Online spends (25% of spend) · ₹250/yr · closed to new applicants |
| 67 | BOBCARD Corporate Premium | ₹5,000 | 0.25% everyday, no accelerator published · ₹1,000/yr · closed to new applicants |
| 68 | IndusInd Bank Business Gold Credit Card | ₹3,750 | 0.25% everyday, no accelerator published · ₹0 — lifetime free · closed to new applicants |
| 69 | HDFC Bank Business Regalia First | ₹3,600 | 0.15% everyday, no accelerator published · ₹1,000/yr · availability not published |
| 70 | HDFC Bank Business Bharat CashBack | ₹3,600 | 0.00% everyday · 5.00% on IRCTC, bill payments and fuel — plus EasyEMI, PayZapp and SmartBuy (12% of spend) · ₹500/yr · closed to new applicants |
How is this ranking computed?
THE POPULATION is exactly the cards carrying `audience: business` whose fee AND earn an issuer document states — the same set `valuableCards()` deliberately excludes, drawn here from `businessCards()` instead. No personal card can appear on this board and no card here can appear on the board at /; the two populations are disjoint by construction. THE NUMBER is the ranking engine at ₹2L a month: everyday spend at the card's own rate and its own house ₹/point, plus milestones and monthly bonuses, MINUS the fee (waived where ₹24L a year clears the issuer's own waiver bar), PLUS the uplift from routing the card's published accelerator share of spend through its published accelerator rate, capped where the issuer caps it. That accelerator credit is what separates this board from /best/high-spenders, and it is deliberate: a 5X-on-GST rung is a spend every reader of this board makes, which is not true of a consumer board. WHAT THE ₹ CANNOT PRICE, said plainly: the credit LIMIT a business is usually shopping for, the interest-free float, GST input credit on the fee itself, expense-management software, and per-employee add-on controls. None of those are modelled on this desk, so none of them are in the number — a card can be the right one for a business and not lead this table. Welcome bonuses and first-year fee offers are excluded, as on every board here: we rank the card you will still be filing GST on in year two. Obtainability leads the sort, so a corporate card that is invite-only or closed keeps its row and its number and sits below the ones you can apply for.
Same engines as the calculator, the optimizer and the lounge map. When the data moves, this page moves — see the tracker.
Straight answers
How many cards are in this business ranking?
Every one of the 70 priced Indian business cards on the desk is ranked here — nothing is filtered out. A further 76 are carried but not valued at all — 10 with no annual fee any issuer document states, 50 whose issuer has not published how the card earns, 16 with neither — because scoring an unknown as ₹0 is a claim, not a gap. The 645 priced personal cards are ranked on the board at / and the other best-of boards; ADR 0012 keeps the two apart, because a corporate card is not a better or worse version of a personal one.
How up to date is this list?
The records behind this board — the business-card records this ranks and the house valuations their points are priced at — carry re-verification dates from 10 Jul 2026 to 25 Sept 2026; the board is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.
Which business credit cards in India have no annual fee?
23 of the 70 ranked here are lifetime free. The best on net ₹/yr at ₹2L/mo is HDFC Bank Corporate Premium at ₹24,000. This board's call, HDFC Biz Black Metal, costs ₹10,000/yr and reaches ₹1,31,528 — that gap is what the fee buys.
Is HDFC Biz Black Metal better than HDFC BizPower?
On what this board ranks — net ₹/yr at ₹2L/mo — yes: ₹1,31,528 against ₹82,412. That is the whole claim, and a narrow one. No card wins overall: 23 boards, 23 questions.
Which credit card is best for GST and income-tax payments in India?
HDFC Biz Black Metal, of the cards on this board. Most Indian cards zero-rate a government counter outright, so the question is first whether the card earns there at all: the desk has read a government/tax rule (MCC 9399, 9311, 9222, 9402, 9405, 9211, 9223) onto 13 of these 70 cards — 9 earn, 4 do not — and the rest have no rule we can cite either way, which is a gap in our reading rather than a zero. HDFC Biz Black Metal is the highest-ranked earner: income/advance tax and GST run at 5X via PayZapp/SmartBuy Business, unlocking only above ₹50,000 of 5X-category spend in a statement cycle, with the….
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