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Best business credit cards in October 2026

HDFC Biz Black Metal comes first: it is worth ₹1,87,292 a year at ₹3 lakh a month after the fee.

Verified 151 sources

₹ a year at your monthly spend

The top 3

HDFC Biz Black Metal credit card

HDFC Biz Black Metal

HDFC Bank

₹6,729₹46,823₹98,646₹1,87,292₹2,98,820 a year at the spend you picked

Keep Reward rate 3.3%–33.3%

HDFC BizPower credit card

HDFC BizPower

HDFC Bank

₹6,862₹23,405₹66,809₹1,13,618₹1,61,630 a year at the spend you picked

Keep Reward rate 1.6%–16.3%

IndusInd Vrddhi Business

IndusInd Bank

₹6,336₹15,840₹31,680₹63,360₹1,05,600 a year at the spend you picked

Keep Reward rate 1.6%–3.2%

The full ranking

70 cards, best first. Ranked by what each is worth a year at ₹3 lakh a month, with its bonus category, after the fee. Bonus categories count; vouchers count at half. How we rank

Business: ranks 1 to 25
Card₹ a yearFee
1. HDFC Biz Black MetalHDFC Bank · 3.33% everyday ₹6,729 ₹46,823 ₹98,646 ₹1,87,292 ₹2,98,820 ₹10,000 fee
2. HDFC BizPowerHDFC Bank · 1.63% everyday ₹6,862 ₹23,405 ₹66,809 ₹1,13,618 ₹1,61,630 ₹2,500 fee
3. IndusInd Vrddhi BusinessIndusInd Bank · 1.60% everyday ₹6,336 ₹15,840 ₹31,680 ₹63,360 ₹1,05,600 ₹10,000 joining + ₹4,999/yr
4. Flipkart Wholesale HDFC BankHDFC Bank · 1.00% everyday ₹6,480 ₹16,200 ₹32,400 ₹52,800 ₹72,000 ₹499 fee
5. Paytm HDFC Bank Select BusinessHDFC Bank · 1.00% everyday ₹6,609 ₹15,022 ₹29,044 ₹49,000 ₹49,000 ₹1,000 fee
6. Kotak Solitaire BusinessKotak Mahindra Bank · 0.67% everyday ₹1,065 ₹11,410 ₹22,822 ₹45,644 ₹76,073 ₹0 joining + ₹3,499/yr
7. YES First BusinessYES Bank · 1.00% everyday ₹4,320 ₹10,800 ₹26,600 ₹42,800 ₹65,000 ₹999 fee
8. HDFC Bank Corporate PremiumHDFC Bank · 1.00% everyday, no accelerator published ₹3,600 ₹9,000 ₹18,000 ₹36,000 ₹36,000 ₹0 fee, lifetime free
9. IB-VISA-BusinessIndian Bank · 1.00% everyday, no accelerator published ₹3,600 ₹9,000 ₹18,000 ₹36,000 ₹60,000 ₹0 joining + ₹500/yr
10. AU Business Cashback Credit CardAU Small Finance Bank · 1.00% everyday, no accelerator published ₹3,600 ₹9,000 ₹18,000 ₹36,000 ₹60,000 ₹1,188 fee
11. HDFC Bank Purchase PremiumHDFC Bank · 0.53% everyday ₹3,517 ₹8,793 ₹17,586 ₹35,172 ₹35,775 ₹0 fee, lifetime free
12. IndusInd Saarthi BusinessIndusInd Bank · 0.80% everyday ₹3,168 ₹7,920 ₹15,840 ₹31,680 ₹52,800 ₹2,500 joining + ₹1,499/yr
13. IDFC FIRST BusinessIDFC FIRST Bank · 0.50% everyday ₹2,151 ₹6,876 ₹14,751 ₹30,501 ₹51,501 ₹999 fee
14. IDFC FIRST Business MultiplierIDFC FIRST Bank · 1.25% everyday, no accelerator published ₹3,500 ₹11,250 ₹18,750 ₹30,000 ₹45,000 ₹1,000 fee
15. IDFC FIRST Business MaxIDFC FIRST Bank · 0.75% everyday, no accelerator published ₹2,700 ₹6,750 ₹13,500 ₹27,000 ₹45,000 ₹0 fee, lifetime free
16. YES First CorporateYES Bank · 0.75% everyday, no accelerator published ₹2,700 ₹6,750 ₹13,500 ₹27,000 ₹45,000 ₹0 fee, lifetime free
17. Paytm HDFC Bank BusinessHDFC Bank · 1.00% everyday ₹4,806 ₹11,264 ₹18,548 ₹24,500 ₹24,500 ₹500 fee
18. ICICI Bank Business Advantage BlackICICI Bank · 1.00% everyday, no accelerator published ₹800 ₹9,000 ₹18,000 ₹24,000 ₹24,000 ₹1,500 joining + ₹1,000/yr
19. YES Prosperity BusinessYES Bank · 0.50% everyday ₹2,160 ₹7,900 ₹13,300 ₹21,400 ₹32,500 ₹499 fee
20. IDFC FIRST CorporateIDFC FIRST Bank · 0.40% everyday ₹2,016 ₹5,040 ₹10,080 ₹20,160 ₹33,600 ₹0 fee, lifetime free
21. Aditya Birla Capital AU BizAU Small Finance Bank · 0.25% everyday ₹1,980 ₹4,950 ₹9,900 ₹19,800 ₹33,000 ₹588 fee
22. Canara Bank VISA CorporateCanara Bank · 0.50% everyday, no accelerator published ₹1,800 ₹4,500 ₹9,000 ₹18,000 ₹30,000 ₹250 joining
23. Axis Bank Business Supreme MastercardAxis Bank · 0.40% everyday ₹84 ₹5,460 ₹10,920 ₹18,840 ₹29,400 ₹1,500 fee
24. IDFC FIRST PurchaseIDFC FIRST Bank · 0.38% everyday ₹1,665 ₹4,163 ₹8,325 ₹16,650 ₹27,750 ₹0 fee, lifetime free
25. HDFC Bank BizGrowHDFC Bank · 0.30% everyday ₹2,246 ₹8,016 ₹12,552 ₹17,304 ₹23,640 ₹500 fee
Ranks 26 to 70 45 cards
  1. Kotak BizEdge Credit Card ₹15,898
  2. ICICI Bank Business Ascent Amex ₹14,400
  3. Kotak Biz ₹13,901
  4. HDFC Bank GIGA Business ₹12,720
  5. RBL Corporate T&E Gold ₹12,597
  6. RBL RazorpayX Corporate T&E ₹12,597
  7. IDFC FIRST Micro Enterprise ₹12,500
  8. RBL Corporate T&E Platinum ₹10,598
  9. BOBCARD EMPOWER ₹9,000
  10. ICICI Bank Business Essential Amex ₹8,550
  11. ICICI Bank Corporate Platinum ₹8,001
  12. PNB Corporate VISA ₹8,000
  13. HDFC Bank Micro Enterprise Business ₹7,320
  14. ICICI Bank Business Advantage Blue ₹6,000
  15. Axis Bank Business Supreme Visa ₹5,760
  16. ICICI Bank Gold Business Card ₹4,950
  17. ICICI Bank Corporate Gold ₹4,500
  18. Axis Bank Corporate Credit Card ₹4,140
  19. Axis Bank Purchase Reward Card ₹3,960
  20. ICICI Bank Platinum Business Card ₹3,951
  21. HDFC Bank Biz First ₹2,600
  22. HDFC Bank Purchase MoneyBack ₹0
  23. HDFC Bank Purchase Reward ₹0
  24. HDFC Bank Purchase Card ₹0
  25. RBL Corporate Purchase Procure+ ₹0
  26. RBL RazorpayX Corporate Purchase ₹0
  27. RBL Corporate Purchase Tax+ ₹0
  28. Union Bank Micro Enterprise −₹1,000
  29. Amazon Pay Kotak Business Credit Card ₹64,800 · Not confirmed on sale
  30. SBI Card ELITE Business ₹48,500 · Closed to new applicants
  31. SBI Card PRIME Business ₹43,000 · Closed to new applicants
  32. HDFC Bank Business Regalia ₹36,000 · Closed to new applicants
  33. METRO Kotak ₹20,700 · Closed to new applicants
  34. HDFC Bank Business Platinum ₹18,000 · Closed to new applicants
  35. Jet Airways CitiBusiness ₹14,400 · Closed to new applicants
  36. Axis Bank MY Business ₹13,901 · Closed to new applicants
  37. Retailio HDFC Bank Business ₹13,789 · Closed to new applicants
  38. HDFC Bank Business MoneyBack ₹12,325 · Closed to new applicants
  39. BOBCARD Micro Enterprise ₹9,000 · Not confirmed on sale
  40. BOBCARD CORPORATE ₹9,000 · Not confirmed on sale
  41. CSC Small Business MoneyBack HDFC Bank ₹9,000 · Closed to new applicants
  42. BOBCARD Corporate Premium ₹8,000 · Closed to new applicants
  43. HDFC Bank Business Regalia First ₹5,400 · Not confirmed on sale
  44. IndusInd Bank Business Gold Credit Card ₹3,750 · Closed to new applicants
  45. HDFC Bank Business Bharat CashBack ₹3,600 · Closed to new applicants

How we rank

THE POPULATION is exactly the cards sold to a business or a company whose fee AND earn an issuer document states — the same set every personal board deliberately leaves out, drawn here on their own. No personal card can appear on this board and no card here can appear in the main ranking at /; the two populations are disjoint by construction. THE NUMBER is the ranking engine at ₹3L 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 ₹36L 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 tier 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 site, 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.

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 26 Oct 2026; the ranking is recomputed from them on every build.

Every figure comes from each card's own published fee and earn rate. How we value cards.

Questions

What is the best business credit card in India?

HDFC Biz Black Metal. Run all 70 priced business and corporate cards we track through the ranking engine at ₹3L a month — ₹36L a year, a GST-registered small business's card turnover — and it returns ₹1,87,292 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 our rule and this board is what it leaves room for. On a GST challan or a tax payment specifically, we have read a government-counter rule onto 16 of these 70 cards: 9 earn on it and 7 do not, and the highest-ranked one that does is HDFC Biz Black Metal.

How many cards are in this business ranking?

Every one of the 70 priced Indian business cards we track is ranked here — nothing is filtered out. A further 77 are carried but not valued at all — 10 with no annual fee any issuer document states, 51 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 651 priced personal cards are ranked in the main ranking at / and the other best-of boards; the two are kept 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 26 Oct 2026; the ranking 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 ₹3L/mo is HDFC Bank Corporate Premium at ₹36,000. This board's call, HDFC Biz Black Metal, costs ₹10,000/yr and reaches ₹1,87,292 — that gap is what the fee buys.

Is HDFC Biz Black Metal better than HDFC BizPower?

On what this board ranks — net ₹/yr at ₹3L/mo — yes: ₹1,87,292 against ₹1,13,618. That is the whole claim, and a narrow one. No card wins overall: 24 boards, 24 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: we have read a government/tax rule (MCC 9399, 9311, 9222, 9402, 9405, 9211, 9223) onto 16 of these 70 cards — 9 earn, 7 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….