Best Corporate Credit Cards in India 2024: for financial efficiency

Simplify your spending and strengthen your business with efficient corporate credit cards tailored to the different financial needs in India.

There are the best Corporate Credit Cards in India that you can consider now. In today’s fast-paced business world, picking the right financial tools is essential for improving how businesses run. Corporate credit cards have become an important tool for businesses because they make managing expenses easier and give them more financial freedom.

There are a lot of choices on the market in India, so it’s important for businesses to find the best corporate credit cards. The best Corporate Credit Cards in India refers to a group of different cards that are made to meet the needs of different types of businesses, from new ones to well-known ones. The best business credit cards in India offer a great mix of benefits, ease of use, and financial management. These cards usually have features like spending limits that can be changed, management tools for employee cards, and full reporting tools.

Importance of Corporate Credit Cards for Businesses

Corporate credit cards are important for businesses because they make managing expenses easy and under control. They give you a central place to keep track of and manage your employees’ spending, which makes it easier to get reimbursed and better manage your money overall.

Business credit cards help the company build its own credit history, which could make it easier for the company to get credit in the future. On top of that, they usually come with perks like travel and rewards programmes. This makes them a useful tool for managing employee expenses and improving cash flow.

Best Corporate Credit Cards in India Comparison Table

Large companies in India use corporate credit cards to manage expenses and control finances. These cards improve transparency with customisable spending limits, detailed reporting, and centralised billing. With travel insurance and rewards programmes, corporate credit cards help Indian businesses optimise financial workflows.

Card NameVolopay Corporate CardHDFC Corporate Premium Credit CardKodo CardHappy EPICSBI Corporate Card
IssuerVolopayHDFC BankKodoHappyState Bank of India
Rewards ProgramYesYesYesYesYes
Annual FeeVariesVariesVariesVariesVaries
Travel BenefitsYesYesLimitedYesYes
Lounge AccessYesYesNoYesYes

Volopay corporate card


  • Integrated expense management.
  • Multi-currency spending.
  • Automated approval workflows.
  • Real-time spending insights.

The corporate cards offered by Volopay are among the industry’s most flexible payment cards, making them an excellent choice for businesses in India. The Volopay corporate card is a component of the expense management ecosystem that they provide, in contrast to other corporate cards that may be sold as a single product. Still, it is one of the best Corporate Credit Cards in India that you can consider.

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  • Real-time expense tracking and management features.
  • Customizable spending limits for employees.
  • Integrated platform for business expenses, reimbursements, and vendor payments.


  • Limited acceptance compared to international cards.
  • May not offer as many premium travel benefits as some other corporate cards.

HDFC corporate premium credit card


  • Premium travel and lifestyle benefits.
  • Concierge services.
  • Lounge access.
  • Corporate expense tracking.

There is a widespread consensus that HDFC is among the most significant private banks in India. The corporate card product that they provide is an excellent payment instrument that can be utilised by a wide range of businesses as well as the employees of those businesses that have a specific demand for it. Overall, it is one of the best Corporate Credit Cards in India that you can consider.


  • Premium travel benefits, including airport lounge access.
  • Concierge services for travel assistance.
  • Customizable credit limits for different employees.


  • Higher annual fees compared to basic corporate cards.
  • May have specific eligibility criteria for issuance.



  • Virtual and physical card options.
  • Real-time expense tracking.
  • Automated expense reports.
  • Spend control and limits.

Kodo has made its corporate banking platform easier to use so that its clients can make the most of their time. It has two types of business credit cards: limit-based and top-up-based. It also has many features to help users better manage their business cash flow, such as the ability to add custom tags, manage subscriptions, and see receipts in real time. This is the best Corporate Credit Cards in India that you can consider.


  • Streamlined expense management and reporting.
  • Virtual and physical cards for flexible spending options.
  • Real-time visibility into company spending.


  • Limited rewards program compared to other corporate cards.
  • May not offer as many premium perks as higher-tier cards.

Happy EPIC


  • Employee perks and rewards.
  • Streamlined expense reporting.
  • Virtual and physical card options.
  • Real-time transaction alerts.

Happy EPIC is one of the best corporate credit card options to think about if you’re looking for the best ones. The EPIC card is a tool for managing spending that makes it easy to save money and keep track of credit card spending. To make sure your transactions go smoothly, Happay has teamed up with SBM India, one of the biggest banks in APAC. Overall, this is one of the best Corporate Credit Cards in India.


  • Tailored for small and medium-sized businesses.
  • Expense tracking and reporting features.
  • Virtual cards for secure online transactions.


  • Limited acceptance compared to major credit cards.
  • Rewards program may be modest compared to other corporate cards.

SBI corporate card


  • Widely accepted corporate card.
  • Customizable spending limits.
  • Comprehensive reporting.
  • Travel and entertainment benefits.

SBI, which stands for the State Bank of India, is a bank that is considered to be among the most well-known in India. Customers can choose between two different types of enterprise credit cards offered by SBI: the SBI Signature Corporate Card and the SBI Platinum Corporate Card. Both of these cards cater to business needs. Currently, this is one of the best Corporate Credit Cards in India.


  • Wide acceptance across merchants.
  • Customizable credit limits for different employees.
  • Offers various corporate benefits like fuel surcharge waivers.


  • Rewards program may be less competitive than other corporate cards.
  • Limited premium perks compared to higher-tier cards.

Benefits of Using Corporate Credit Cards for Business Expenses

Businesses of all sizes can benefit from using corporate credit cards for business costs. Here are some good things:

Easy Management of Expenses: Corporate credit cards make it easier to keep track of business costs. Transactions are put on a single card, which makes it easier for workers to keep track of their spending and report it.

Setting Business Expenses Apart from Personal Ones: Corporate credit cards help keep personal and business spending separate. For accurate tax, accounting, and financial reporting, this separation is very important.

Simplified Record-Keeping: Keeping records is easier when a business has a corporate credit card because it’s easy to get detailed statements that list and categorise transactions. This makes it easier to keep records, which makes accounting, auditing, and financial analysis go more smoothly.

Better Cash Flow: Business credit cards offer a revolving credit line that lets them buy things even when cash flow is tight. This can be especially helpful for paying for immediate costs while you wait for clients to pay you.

Controlling Employee Spending: Companies can tell each employee how much they can spend on their company credit cards. This helps keep spending under control, stops purchases that aren’t authorised, and makes sure that company spending rules are followed.

Tips for Choosing the Best Corporate Credit Card

There are a few things you should think about when picking the best corporate credit card to make sure it fits your business’s financial needs and goals. Here are some suggestions that will help you make a smart choice:

Check Your Company’s Needs: Write down all of your company’s specific needs and wants. Think about things like the type of business you run, its size, its industry, its usual costs, and the way it usually spends money. In this way, you can narrow down your choices and pick the card that works best for your business.

Check Out the Rewards and Benefits: Look for business credit cards that offer rewards and benefits that are right for the way your company spends money. Think about perks like cashback, travel rewards, airline miles, or other things that can help your business. Pick a credit card with rewards that fit with the goals and preferences of your business.

Think About Fees and Interest Rates: Look at each business credit card’s annual fees, late payment fees, and interest rates. To cut costs, look for credit cards with good rates and low fees. Pay attention to any extra fees, like foreign transaction fees, and think about how they might change the costs for your business.

Credit Limit and Spending Limits: Look at each corporate credit card’s credit limit and make sure it meets the needs of your business. You might want to look into cards that let you set spending limits and controls for each employee or department. This can help you keep track of your spending better and stop you from spending money you don’t have.

Tools for Managing Expenses: When looking for a business credit card, make sure it comes with powerful tools for managing expenses and the ability to make reports. Expense management can be made easier and more transparent with features like real-time transaction tracking, expense categorization, and integration with accounting software.


Is corporate credit card good?

Giving employees purchasing power and managing expense reporting with corporate cards has many benefits. These benefits include: Employee credit line. Rewards for employee incentives or cost reduction.

Can a corporate card be used for personal use?

Using a business credit card for personal purchases is legal. However, using a business credit card for personal purchases may violate the card agreement, which can have serious consequences.

Editorial Staff
Editorial Staff
The Bollyinside editorial staff is made up of tech experts with more than 10 years of experience Led by Sumit Chauhan. We started in 2014 and now Bollyinside is a leading tech resource, offering everything from product reviews and tech guides to marketing tips. Think of us as your go-to tech encyclopedia!


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