Business Credit Cards
Designed for business owners, offering rewards on business expenses and helpful expense management tools. Enjoy exclusive business benefits and rewards.
MAGNUS Credit Card
Annual Fee
₹12500
APR
42.58%
Joining Fee
₹12500
Cash Advance
0%
Why Choose This Card
Ideal for high-spending individuals seeking luxury perks and rewards.
Reward Benefits
Earn 12 EDGE Reward Points per ₹200 spent on cumulative monthly spends up to ₹1,50,000.
Earn 35 EDGE Reward Points per ₹200 spent on incremental monthly spends above ₹1,50,000.
Earn 60 EDGE Reward Points per ₹200 spent on Travel EDGE portal, up to cumulative transactions of ₹2,00,000 per month.
Earn 35 EDGE Reward Points per ₹200 spent on Travel EDGE portal above cumulative transactions of ₹2,00,000 per month.
Pros
- Unlimited domestic and international lounge access.
- High reward points on spending beyond ₹1.5 lakh/month.
- Interest-free cash withdrawals.
- Comprehensive health benefits.
Cons
- High joining and annual fees.
- Minimum income criteria may exclude some applicants.
- Certain transactions excluded from reward points.
HDFC Regalia Gold Credit Card
Annual Fee
₹2500
APR
43.2%
Joining Fee
₹2500
Cash Advance
2.5%
Why Choose This Card
The HDFC Regalia Gold Credit Card offers a comprehensive rewards program, travel perks including lounge access, milestone benefits, and insurance coverage, making it suitable for high-spending individuals seeking value across various spending categories.
Reward Benefits
4 Reward Points on every ₹150 spent on retail transactions, including insurance, utilities, and education.
20 Reward Points on every ₹150 spent at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.
Pros
- High reward points on select brands.
- Complimentary lounge access domestically and internationally.
- Milestone benefits with vouchers and flight tickets.
- Comprehensive insurance coverage.
Cons
- High annual fee without waiver for lower spends.
- Reward points have limited validity.
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12500
APR
43.2%
Joining Fee
₹12500
Cash Advance
2.5%
Why Choose This Card
Designed for high-net-worth individuals seeking luxury travel and dining experiences with premium rewards.
Reward Benefits
Earn 5 reward points per ₹150 spent.
Earn up to 10x reward points on Smartbuy travel and shopping.
Pros
- Unlimited lounge access worldwide for primary and add-on cardholders.
- High reward rate across all spending categories.
- Complimentary Club Marriott membership.
- Unlimited complimentary golf games at select courses.
- Competitive foreign currency markup fee.
Cons
- High annual membership fee.
- Invite-only card, not accessible to all applicants.
Diners Club Black Credit Card
Annual Fee
₹10000
APR
43.2%
Joining Fee
₹10000
Cash Advance
2.5%
Why Choose This Card
Ideal for high-income earners looking for exclusive benefits in travel, lifestyle, and dining, with luxury concierge services and premium rewards.
Reward Benefits
5 Reward Points for every ₹150 retail spend.
Up to 10X points on SmartBuy purchases.
2X Reward Points on weekend dining.
Pros
- 5X Reward Points for every ₹150 spent.
- Unlimited lounge access worldwide.
- Complimentary golf games (6 per quarter).
- Up to 10X Reward Points on SmartBuy and 2X on weekend dining.
- Luxury concierge services available 24/7.
- Complimentary memberships (Club Marriott, Times Prime, Amazon Prime, etc.).
Cons
- High joining and annual fees of ₹10,000 + taxes.
- Foreign transaction fee of 2%.
Kotak White Credit Card
Annual Fee
₹3000
APR
0%
Joining Fee
₹3000
Cash Advance
300%
Why Choose This Card
Choose the Kotak White Credit Card if you are a frequent traveler and enjoy access to premium travel lounges, exclusive discounts on hotel bookings, and luxury brand rewards. With significant rewards and travel benefits, it is perfect for those who value convenience and luxury.
Reward Benefits
Earn up to ₹27,000 in White Pass value annually with ₹12 lakh spend.
Welcome offer: Earn ₹1,500 White Pass value by spending ₹30,000 within 60 days.
Pros
- Access to 1,300+ VIP lounges in 148 countries via Priority Pass.
- 4 complimentary international lounge passes annually.
- Earn up to ₹27,000 in White Pass value annually with ₹12 lakh spend.
- Earn ₹1,500 White Pass value with ₹30,000 spend within 60 days.
- Discounts on hotel bookings and flight deals.
- 1% fuel surcharge savings at petrol pumps.
- Contactless payments with PayWave technology.
- Ability to convert purchases above ₹2,500 into EMI.
Cons
- High annual fee of ₹3,000 (waived with ₹5 lakh retail spend).
- Cash advance fee of ₹300 per ₹10,000.
- Eligibility requirements including high income and credit score.
- Foreign transaction fee of 3.50%.
Kotak League Platinum Credit Card
Annual Fee
₹499
APR
42%
Joining Fee
₹499
Cash Advance
500%
Why Choose This Card
Choose the Kotak League Platinum Credit Card if you want a rewards program with high earning potential on special categories such as airlines, travel agencies, and department stores. With significant milestone rewards and low renewal fees, this card is perfect for frequent shoppers and travelers.
Reward Benefits
8 reward points per ₹150 spent on special categories (Airlines, Travel Agencies, Electric Sales, Departmental Stores, Durable Goods).
4 reward points per ₹150 on all other spends.
8 reward points across all spends after reaching ₹2 lakh in annual spend.
Pros
- 8 reward points per ₹150 spent on special categories like Airlines, Travel Agencies, and Durable Goods.
- 4 reward points per ₹150 on all other spends.
- 8 reward points across all spends after reaching ₹2 lakh in annual spend.
- Option to redeem reward points for free PVR tickets or bonus points.
- Fuel surcharge waiver (1%) with a max waiver of ₹3,500 annually.
- Railway surcharge waiver of up to ₹500 annually.
- Fraud liability cover up to ₹1.25 lakh for 7 days pre-reporting.
Cons
- Joining fee of ₹499 (waived off on ₹50,000 annual spend).
- Interest charges of 3.50% per month (42% p.a.).
- Foreign currency markup fee of 3.5%.
- Cash advance fee of 2.5% or ₹500, whichever is higher.
- Limited reward points redemption options.
Kotak 811 Credit Card
Annual Fee
₹500
APR
42%
Joining Fee
₹500
Cash Advance
500%
Why Choose This Card
The Kotak 811 Credit Card is perfect for those looking for a low-fee card with a variety of rewards options. With benefits like cashback, free movie tickets, and multiple redemption choices, it's ideal for customers who want to make the most of their spending.
Reward Benefits
Rewards points on initial transactions.
Milestone benefit of ₹750 cashback or 4 free PVR tickets after spending ₹75,000 in the anniversary year.
Pros
- Low joining and annual fees (₹500 each).
- Milestone benefit options of cashback or free PVR tickets after spending ₹75,000 annually.
- Fuel surcharge waiver (1%) with a maximum waiver of ₹3,500 annually.
- Railway surcharge waiver for both IRCTC and Indian Railways bookings.
- Contactless payments with Visa payWave for up to ₹5,000 without a PIN.
- EMV chip and 6-digit PIN authentication for enhanced security.
- Multiple redemption options like mobile recharges, shopping, travel, and movies.
Cons
- Cash advance fee of ₹500 or 2.5%, whichever is higher.
- Foreign currency markup of 3.5%.
- Cash payment fee of ₹100.
- Rental payment charges of 1% (MCC 6513).
- Annual fee waived only on ₹50,000 spend in the anniversary year.
SBI Card ELITE
Annual Fee
₹4999
APR
42%
Joining Fee
₹4999
Cash Advance
500%
Why Choose This Card
SBI Card ELITE is ideal for high spenders who enjoy a premium lifestyle with benefits in movies, dining, travel, rewards, and more. The card provides milestone rewards, exclusive privileges, and a range of premium services.
Reward Benefits
5X Reward Points on Dining, Departmental Stores, and Grocery spends.
2 Reward Points for every ₹100 spent on all other purchases.
Milestone rewards: 10,000 bonus points for annual spends of ₹3 Lakhs, ₹4 Lakhs, and ₹5 Lakhs.
Pros
- Vouchers worth ₹5,000 from top brands on joining.
- 2 complimentary movie tickets every month on BookMyShow.
- Access to 2 domestic lounges per quarter and 6 international lounge visits annually.
- 5X Reward Points on Dining, Departmental Stores, and Grocery spends.
- 10,000 bonus Reward Points for annual spends of ₹3 Lakhs.
- Complimentary Mastercard, Visa, and Amex benefits.
- 1% surcharge waiver on fuel transactions.
Cons
- High joining and annual fee of ₹4,999 each.
- High APR of 42% p.a.
- Late payment fees for overdue amounts.
- Limited international lounge visits (6 per year).
BOBCARD Corporate Credit Card
Annual Fee
₹0
APR
NaN%
Joining Fee
₹0
Cash Advance
NaN%
Why Choose This Card
Designed to streamline business expenses, this card offers interest-free credit, expense tracking, and travel benefits, making it ideal for corporate financial management.
Reward Benefits
Earn reward points on eligible spends.
Pros
- Up to 50 days of interest-free credit.
- Personalized card with corporate name embossing.
- Categorized employee spending statements for efficient tracking.
- Complimentary domestic airport lounge access.
- Comprehensive insurance coverage.
Cons
- Reward program not applicable on select Merchant Category Codes (MCCs) and fuel.
- Specific eligibility criteria for corporates.
BOBCARD Empower Credit Card
Annual Fee
₹250
APR
41.88%
Joining Fee
₹0
Cash Advance
2.5%
Why Choose This Card
Tailored for proprietors and self-employed individuals, this card offers efficient management of business expenses with rewards on every spend and affordable fees.
Reward Benefits
1 reward point for every ₹100 spent on retail transactions.
Pros
- No joining fee.
- Affordable annual fee with easy waiver on achieving spend milestones.
- Unlimited reward points on all retail spends.
- 1% fuel surcharge waiver.
Cons
- No complimentary lounge access.
- Reward points not earned on fuel transactions.
- Limited premium benefits compared to higher-tier business cards.