Business cards separate company spend from personal and reward GST, vendor and travel outlay. Bank of Baroda's 2026 range widened the field — here are the ones worth carrying.
As of August 2026, the Kotak Biz Edge Credit Card leads our business picks with 1.33% rewards on business spends. We shortlisted 7 cards, each earning a distinct "Best for" verdict from MITC-sourced data — never paid placement.
Why we picked itA well-rounded SME card with accelerated reward points on business categories and a fuel surcharge waiver. The best all-purpose business pick available today.
Why we picked itEarns 3 reward points per ₹150 on business categories including GST-heavy outlay, with SmartBuy redemption. Strong for firms with high vendor and tax spend.
Why we picked itA rare business card with an 18% annual finance charge — roughly a third of the ~45% most cards charge — so a revolved balance costs far less. Built for micro-enterprises that occasionally carry a balance across cycles.
Why we picked itA corporate card pairing 8 domestic lounge visits with a Priority Pass and global acceptance — the pick for firms with travelling employees. Centralised billing keeps expense reconciliation clean.
Why we picked itA straightforward MSME card that rewards routine business spends with a fuel surcharge waiver, at a low annual fee. A no-fuss way for small firms to formalise and track company outlay.
Why we picked itA lifetime-free business card that still bundles lounge access and a Priority Pass — a rare no-fee option for separating company spend. Low forex too.
Why we picked itA low-cost entry business card for freelancers and small firms starting to formalise spend. Simple rewards and a surcharge waiver at an affordable fee.
| Card | Business | Annual Fee | Best For | Welcome | Network | |
|---|---|---|---|---|---|---|
| Kotak Biz Edge Credit Card | 1.33% | ₹999 | rewards on business spends | — | VISA | Apply |
| HDFC Biz Power Credit Card | 3 pts | ₹2,500 | per ₹150 on business | — | VISA | Apply |
| BOBCARD Micro Enterprise | 18% | ₹500 | annual interest rate | — | RuPay | Apply |
| BOBCARD Corporate Global | 8 | ₹1,000 | lounge visits + Priority Pass | ₹125 | VISA | Apply |
| BOBCard Empower | ₹500 | ₹500 | fee · MSME rewards | ₹125 | Mastercard | Apply |
| Kotak Solitaire Business Credit Card | ₹0 | ₹0 | fee · lounge access | — | VISA | Apply |
| Kotak Biz Credit Card | ₹499 | ₹499 | fee · everyday business | — | VISA | Apply |
Every card is judged on four criteria. Picks live in code review — never influenced by affiliate payouts, and never ordered by a paid placement.
Business cards separate company spend from personal and reward GST, vendor and travel outlay. Bank of Baroda's 2026 range widened the field — here are the ones worth carrying.
The best business card depends on where your money goes. Match the card's strongest rate to your biggest spending categories, and weigh the annual fee against the rewards you will realistically earn — not the headline number on the marketing page.
Shortlist two or three cards from the picks above and put them side-by-side with the compare tool before you apply. And whichever you choose, clear the statement in full each month — interest quickly outweighs any reward.