Top 10 Benefits of a RazorpayX Corporate Credit Card Program for Startups

Today, corporate credit cards have become an indispensable part of the startup ecosystem. They aim to solve one of the biggest challenges businesses face, which is cash flow management. 

“Despite the fact that cash is the lifeblood of a business – the fuel that 
keeps the engine running – most business owners don’t truly have a handle on 
their cash flow,” says Philip Campbell, a former CFO, CPA and author of Never 
Run Out of Cash. “Poor cash-flow management is causing more business failures 
today than ever before.”

A Corporate Credit Card is the perfect solution to problems that arise with cash flow management. 

If you don’t have a Razorpay X Corporate Credit Card for your startup yet, we’re going to tell you why it’s a good idea to get one. Read on to understand the benefits of corporate credit card that you can avail when you choose RazorpayX! 

What is a RazorpayX Corporate Credit Card?

RazorpayX Corporate Credit Card is designed for startups and entrepreneurs who want access to a line of credit that evolves with their growing business needs. 

RazorpayX Corporate Cards offer a wide range of features and benefits that help businesses address their operational and growth needs without dipping into their working capital. By offering collateral-free credit and deep integrations into the business ecosystem, it serves as a strategic tool for modern founders. It is designed specifically to solve B2B financial hurdles and to help your business expand.

Benefits of a RazorpayX Corporate Credit Card for Startups

The benefits of a corporate card for startups and small businesses include measures that save cost and capital. A corporate credit card can offer a number of benefits for businesses, including:

1. High Unsecured Credit Limits for Growth

Accessing significant capital without putting your assets at risk is a major hurdle for new startups. RazorpayX, in partnership with RBL Bank and YES Bank, provides up to ₹2 Crore in unsecured credit, allowing startups to fund marketing campaigns and inventory cycles without straining their immediate working capital. This ensures you can scale your operations without liquidating cash reserves.

2. Strategic Protection of Personal CIBIL Scores

A common pitfall for early-stage startup founders is using personal credit lines for business expenses. This creates a dangerous overlap – if a company has a slow month, the founder’s personal credit history takes a hit. With a RazorpayX Corporate Card, there is a clear distinction between business and personal spends. Because it is a corporate liability card, your personal CIBIL remains unaffected by company expenditures, keeping your personal financial health intact.

3. Massive Savings on SaaS, Cloud, and Marketing Tools

For tech-first companies, SaaS and Cloud expenditures are usually the largest line items. The RazorpayX program treats these costs as opportunities for savings.

• Flat 1% Cashback – Direct rewards on all SaaS subscriptions, digital ads (Meta, Google), and cloud billing.
• Exclusive Discounts – Access up to 30% discount on over 500+ top business tools, including industry leaders like AWS, Microsoft Azure, and Google Cloud.

4. Industry-Low 2.5% Forex Markup Fees

A corporate card for startups ensures that paying international vendors or utilizing global SaaS tools does not come with hidden forex fees. While traditional banks often charge 3.5% to 5% per transaction, RazorpayX offers a competitive 2.5% forex fee, one of the lowest in the industry. This feature significantly reduces the cost of global transactions, making international growth more sustainable.

5. Interest-Free Credit Cycles to Optimize Liquidity

Effective cash flow management is about keeping your cash in hand for as long as possible. RazorpayX offers generous repayment windows that provide startups with a strategic liquidity cushion. Depending on the partner bank, you can enjoy –

• Up to 45 days interest-free credit with YES Bank.
• Up to 50 days interest-free credit with RBL Bank.

This allows you to maintain healthy liquidity and keep your capital safe for other uses that will help your business’s growth.

6. Robust Spend Controls and Visibility

Manual reimbursement processes can get tricky and slow down processes. Our comprehensive dashboard provides a 360-degree view of all employee spends in real-time. Admins can move beyond passive monitoring by setting custom spend limits by category and amount. This granular control ensures that every rupee spent is aligned with company policy.

7. Zero Joining and Annual Fees 

RaxorpayX offers T&E Card in partnership with YES Bank and RBL Bank with zero joining and annual fees. This makes it a highly cost-effective choice for lean teams that want a sophisticated credit product without the “entry tax.”

8. Flexible Secured Card Options

For newer entities that may not yet meet the benchmarks for unsecured credit, RazorpayX offers a high-yield FD-backed secured card. It creates a minimum FD of ₹5-7 Lakh and nstantly unlocks a credit limit of up to 90% of the FD value. You also continue earning approximately 8% interest on the FD, effectively making your credit line a revenue-generating asset.

9. Unlimited Add-on Cards for Teams

Decentralizing spend is a necessity as a team grows, but it shouldn’t mean losing control. These Corporate Cards allow for unlimited free add-on cards for employees. By giving department heads and team members their own cards, you eliminate the need for out-of-pocket spending by staff, streamline the accounting process, and ensure 100% digital trails for every expense.

10. Exclusive Perks

For startups where travel is a core part of business development, the RBL RazorpayX T&E Card provides enterprise-grade protection and perks –

• Lounge Access – 2 free lounge accesses per quarter at major airports.
• High-Value Insurance – ₹1 Crore air accident insurance and a ₹10 Lakh fraud liability cover to protect the company against unauthorized usage.
• Fuel Savings – 1% fuel surcharge waiver (capped at ₹500 per billing cycle) for domestic travel.

Eligibility Criteria for RazorpayX Unsecured Corporate Cards 

To avail the benefits of a corporate card, you need to qualify for the unsecured card. For this, your business must be a Private Limited, Public Limited, or LLP entity with an operating age of over one year, and meet at least one of the following criteria –

• Annual turnover exceeding ₹5 Crore.
• Positive PAT (Profit After Tax) in the last financial year.
• Be funded with at least a 12-month cash runway.
• A strong banking history, evident via GST filings or current account balances.

Note: The secured card option is open to all registered entities, making it the perfect starting point for early-stage businesses.

RazorpayX Corporate Card Benefits for Startups & Small Businesses – Key Features

Here is a brief of all the corporate card benefits you can avail when you choose RazorpayX cards. We offer cards in partnership with YES Bank and RBL Bank that offer multiple advantages, so your business can grow without any hitches or delays.