Best Corporate Credit Cards in India 2026

Finding the best corporate credit card means selecting a financial tool that empowers your business while suiting your specific needs and goals. A good corporate card helps with liquidity management, automated accounting, and scaling your operations without friction. 

If you are seeking one, choosing one among the top-rated corporate credit cards is an important decision that helps your startup or small business scale without limitations.  In this guide, we break down the leading corporate credit cards in India for 2026, helping you identify the perfect fit for business!

Why Your Business Needs a Dedicated Corporate Card in 2026?

Your business needs a corporate credit card because it offers benefits that help you grow and expand. The best company credit cards offer benefits that make them indispensable – 

• Enhanced Liquidity – Collateral-free credit limits to manage working capital.
• Expense Control – Set individual limits for team members and specific categories (like Google Ads or AWS).
• Seamless Integration – Direct sync with accounting software.
• Tax Efficiency – Simplified GST invoicing and expense categorization.

Top-Rated Corporate Credit Cards 2026 – A Brief Overview

Before diving in, here is a brief summary of the best corporate credit cards of 2026.

Top Corporate Cards in India in 2026

Here are the top-rated business and corporate cards for startups in India in 2026.

1. RazorpayX Corporate Cards – The Future of Business Finance

RazorpayX Corporate Cards have emerged as one of the best options for tech-enabled businesses. RazorpayX offers a modern, founder-friendly approach, best suited for startups, SaaS companies, and digital agencies.

These cards are designed specifically for recurring digital payments. If you are looking for the best business credit cards for small business owners who spend heavily on online tools, RazorpayX provides high limits based on your business performance.

• Pros – No personal liability for founders and high credit limits optimized for digital/SaaS spending.
• Cons – Limited benefits for businesses with heavy offline operations or traditional manufacturing needs.

Apply for RazorpayX Corporate Cards Here!

2. HDFC Bank Business Cards

HDFC remains a titan in the Indian banking sector. Their “Business Regalia” and “Business MoneyBack” variants continue to be among the top-rated business credit cards due to their massive acceptance and robust rewards program. They are most suited for established SMEs with significant travel and offline spending.

• Pros – High reward points on tax payments and utility bills.
• Cons – The application process can be traditional and document-heavy.

3. American Express (Amex) Business Cards

The Amex Business Gold or Platinum cards are known for offering premium services and prestige. They have also localized its rewards, making it a good choice for elite corporate spending. It is best suited for high-revenue companies with frequent international travel.

• Pros – World-class concierge services and lucrative point transfer options to airlines.
• Cons – Acceptance issues at smaller local vendors compared to Visa/Mastercard.

4. ICICI Bank Corporate Cards

ICICI Bank now comes with integrated AI-driven spend analytics in its corporate card portal. Their cards are known for flexibility and ease of use, catering specifically to the logistical needs of large-scale enterprises. These cards work best for mid-to-large-scale corporations requiring thousands of cards for an extensive workforce.

• Pros – Excellent cash-back programs and robust security features for employee cards.
• Cons – Customer support for specialized technical issues can sometimes be slow.

5. Axis Bank Corporate Cards

Axis Bank offers great “miles,” making their corporate cards a favorite for businesses with a global footprint. Their collaboration with various luxury brands and airline partners makes their rewards program one of the most attractive in the market. For businesses with heavy international and domestic travel requirements, it is a great corporate card.

• Pros – Great lounge access benefits and accelerated rewards on travel bookings.
• Cons – High annual fees on premium variants.

6. SBI Card (State Bank of India)

For traditional enterprises and those operating in Tier 2 or Tier 3 cities, the SBI Corporate Card is the most trusted choice. It offers one of the most straightforward and reliable fee structures in the Indian financial industry. It is best for public sector undertakings and traditional manufacturing firms.

• Pros – Massive geographic reach and simple, transparent billing cycles.
• Cons – The rewards ecosystem is less competitive than private-sector peers.

7. Kotak Mahindra Bank Business Cards

Kotak has carved a niche by offering cards that cater to the “Solopreneur” and small retail business owners. Their “BizTheme” cards allow for industry-specific customization, ensuring the rewards align with your specific business model. For small retail businesses and independent consultants, this card is perfect.

• Pros – Low annual fees and specialized offers tailored for MSMEs.
• Cons – Credit limits may be lower initially compared to fintech alternatives.

8. Volopay 

Volopay is designed for modern businesses that need to issue virtual cards instantly for specific projects or departments. Their platform integrates a multi-currency wallet, which offers low forex markups when dealing with international vendors. It stands out for companies with high spending on international SaaS and digital marketing.

• Pros – Instant virtual card issuance and seamless multi-currency management.
• Cons – Primarily a prepaid model, which may not offer the same credit float as traditional banks.

9. Happay 

Happay specializes in the digital transformation of travel and entertainment (T&E) management. The Happay card-software combo ensures that every receipt is captured and approved digitally via their mobile app. It is best suited for businesses with large field teams and heavy T&E reporting needs.

• Pros – Seamless receipt capture and automated, paperless expense reporting.
• Cons – Limited utility for businesses that do not have high travel expenses.

10. Zaggle

Zaggle focuses on employee incentives and mid-market enterprise spending. Their “Zoyer” platform combines corporate credit cards with automated accounts payable, providing a comprehensive tool for modern finance teams. It works well for mid-market enterprises looking to automate vendor payments and employee perks.

• Pros – Integrated accounts payable automation and excellent employee reward programs.
• Cons – The software interface can have a learning curve for traditional finance teams.

How to Choose the Best Business Credit Cards for Your Needs?

Selecting the right card in 2026 requires looking beyond the joining bonus. Here is what to consider – 

1. Liability Structure – Does the card require a personal guarantee (Personal Liability), or is the company responsible (Corporate Liability)? For startups, RazorpayX is often preferred for its corporate liability model.
2. Credit Limits – Traditional banks may offer lower limits initially. Fintech-backed cards often provide dynamic limits that grow with your revenue.
3. Integration Capability – If you have to manually export CSV files every month, you’re using the wrong card. Ensure the card integrates with your ERP.
4. Foreign Markup Fees – If you pay for global SaaS or ads in USD, look for cards with low forex markup (ideally 1% to 2% or less).

Why Choose RazorpayX Corporate Cards?

There are many choices in the market, but the RazorpayX Corporate Cards stand out for tech-enabled businesses. They offer a unique, flexible model that caters to both cash-rich startups and those looking to build their credit profile.

• Dual-Path Credit Models – RazorpayX offers unsecured cards (no collateral required) for eligible businesses based on revenue and funding. For others, they offer secured cards against a Fixed Deposit (FD), allowing almost any business to start building credit immediately.
• Add-on Cards for Teams – You can issue multiple add-on cards to your employees, allowing them to handle business expenses without using personal funds.
• Control & Visibility – You can set individual spend limits on these add-on cards. Also, every transaction is tracked instantly on dashboards providing real-time visibility.
• No Personal Liability – For their unsecured variant, the card follows a corporate liability model. This protects the founder’s personal credit score from being affected by business expenditures.
• Dynamic Credit Growth – Your credit limit isn’t set in stone; it can scale dynamically as your business grows and your financial health improves.

Choose a corporate card that fits your business needs and offers limits that grow as you scale, without putting your personal finances at risk. We hope our curated list of the top-rate business and corporate credit cards helped you gain the insights you need to grow your business with the support of a secured and dynamic line of credit!

Explore RazorpayX Corporate Credit Card Here!