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Best Business in India 2026

Compare the best business in India. 8 cards ranked by our experts.

Showing 8 cards

Best for: Self-employed business professionals seeking lounge access, reward points on business expenses, and 24x7 concierge services with a manageable annual fee.
HDFC Business Regalia

HDFC Business Regalia

3.2 CardNitty rating
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Annual fee

₹2,500

#61

Rewards rate

₹1.33/₹100

#72

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
730+ #46
Categories Business, Lifestyle, Lounge Access, Premium, Rewards
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CardNitty's take

Pros

  • Strong reward rate of 4 RPs per Rs. 150 including insurance and utility spends
  • 8 domestic + 6 international lounge visits per year via Priority Pass
  • 24x7 concierge services for travel and entertainment
  • Annual fee waiver on Rs. 3 Lakh spend
  • Milestone bonus of up to 15,000 reward points annually

Cons

  • High forex markup of 3.5% makes it poor for international spending
  • Insurance benefits reportedly discontinued from April 2025
  • Domestic lounge access now requires Rs. 1 Lakh quarterly spend
  • No welcome benefits currently offered
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Best for: Small business owners, freelancers, and self-employed professionals who spend on tax payments, business software, and travel.
HDFC Biz Grow

HDFC Biz Grow

3.6 CardNitty rating
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Annual fee

₹500

#21

Rewards rate

₹0.33 - ₹3.33/₹100

#52

Joining fee

₹500

#21

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Business, Entry Level, Rewards
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CardNitty's take

Pros

  • Low annual fee of Rs. 500 with easy waiver
  • 10X CashPoints on key business categories like tax, GST, software
  • Quarterly milestone of 2,000 CashPoints
  • Business insurance package available
  • 1% fuel surcharge waiver

Cons

  • No airport lounge access
  • Accelerated reward cap of 1,500 CashPoints per cycle is limiting
  • 3.5% forex markup is high
  • No complimentary concierge or travel benefits
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Best for: Small business owners and self-employed professionals looking for a low-fee card to earn rewards on EMI, utility bills, and everyday business expenses.
HDFC Biz First

HDFC Biz First

3.6 CardNitty rating
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Annual fee

₹500

#21

Rewards rate

₹0.15 - ₹3.00/₹100

#90

Joining fee

₹500

#21

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Business, Cashback, Entry Level
View full details
CardNitty's take

Pros

  • Low joining and annual fee of Rs.500 with easy waiver on Rs.50K spend
  • Up to 3% CashPoints on EMI spends with decent category rates
  • UPI payment support with 1% CashPoints via RuPay
  • Business insurance package available at affordable premium
  • Quarterly milestone bonus of 2,000 CashPoints

Cons

  • No lounge access (domestic or international)
  • No complimentary insurance coverage
  • High forex markup of 3.5% makes it poor for international use
  • Low reward caps limit earning potential
Read full review
Best for: Self-employed professionals and SME owners with annual ITR above Rs.12 lakh who spend on GST, income tax, Google/Meta ads, business software, and travel bookings.
HDFC Biz Power

HDFC Biz Power

3.7 CardNitty rating
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Annual fee

₹2,500

#61

Rewards rate

₹1.33 - ₹9.16/₹100

#7

Joining fee

₹2,500

#59

Interest rate

43.20%

#19
Card details
Forex Markup
2.00% #7
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Business, Fuel, Lounge Access, Rewards
View full details
CardNitty's take

Pros

  • Earn 5X reward points on business-essential spends like tax, GST, ads, and software
  • Up to 16 domestic + 6 international lounge visits per year
  • Strong quarterly milestone benefits (Rs.2,500 vouchers)
  • Best redemption value of Rs.0.65 per point on Business Catalogue
  • Up to 40% off on business software via SmartBuy BizDeals

Cons

  • No complimentary insurance - business insurance is paid (from Rs.3,785/year)
  • 1% surcharge on rent, fuel (>Rs.30K), and utility (>Rs.75K) transactions
  • Fuel, wallet, rent, education, and EMI spends excluded from rewards
  • No concierge or priority customer care
Read full review
Best for: Business owners with Rs.30L+ ITR who make significant tax/GST payments and want premium travel benefits with unlimited lounge access and 5X rewards.
HDFC Biz Black Metal Edition

HDFC Biz Black Metal Edition

4.1 CardNitty rating
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Annual fee

₹10,000

#80

Rewards rate

₹3.33 - ₹19.16/₹100

#1

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Business, Lounge Access, Premium, Rewards, Travel
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CardNitty's take

Pros

  • Industry-first 5X rewards on Income Tax and GST payments
  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 6 complimentary golf games per quarter at 100+ global courses
  • Club Marriott membership with 20% off dining and stays
  • Up to Rs.20,000 in milestone vouchers per calendar year
  • 55-day interest-free credit period
  • Low forex markup of 2% with Global Value Program cashback

Cons

  • Diners Club network has limited acceptance at small merchants
  • Accelerated 5X rewards require minimum Rs.50,000 spend per statement cycle
  • No fuel surcharge waiver offered
  • Business insurance is a paid add-on (not complimentary)
  • High joining fee of Rs.10,000 + GST may deter small businesses
Read full review
Best for: Business owners and self-employed individuals who frequently use Paytm for business transactions, bill payments and recharges. Also good for those wanting domestic lounge access with a low annual fee.
Paytm HDFC Bank SELECT Business

Paytm HDFC Bank SELECT Business

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹500

#21

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Domestic Lounge
12/year #14
Min Credit Score
700+ #3
Categories Business, Cashback, Co-Branded, Lounge Access
View full details
CardNitty's take

Pros

  • Up to 5% cashback on Paytm spends
  • 12 complimentary domestic airport lounge visits per year
  • Low joining fee of Rs 1,000 with fee waiver option
  • Personal Accident Cover up to Rs 15 lakh
  • 3% cashback on Swiggy, AJIO, BigBasket and Uber

Cons

  • No international lounge access
  • High forex markup of 3.5% plus GST
  • Cashback redemption capped at 3,000 points per month
  • Cashback not applicable on fuel, wallet, EMI, rent and government spends
Read full review
Best for: UPI payment enthusiasts, beginners building credit history, small business owners who want CashPoints on daily expenses including groceries, dining and utility payments.
HDFC Bank UPI RuPay Biz

HDFC Bank UPI RuPay Biz

3.0 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹250

#3

Rewards rate

₹0.25/₹100

#85

Joining fee

₹250

#4

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Business, Cashback, Entry Level, RuPay, Shopping, UPI
View full details
CardNitty's take

Pros

  • CashPoints earned on both UPI and regular spends
  • Low annual fee of Rs.250 with easy Rs.25,000 spend waiver
  • 3% CashPoints on groceries, dining and PayZapp
  • Virtual card reduces theft and fraud risk
  • Interest-free period of up to 50 days

Cons

  • Low effective reward rate (0.25% to 0.75%)
  • No physical card issued
  • No lounge access or travel benefits
  • Issued only as add-on to existing HDFC card
  • Monthly caps of 500 CashPoints per category
Read full review
Best for: Small business owners and self-employed individuals looking for a simple cashback card with low annual fees.
HDFC Business Platinum

HDFC Business Platinum

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹299

#6

Rewards rate

₹0.50 - ₹0.75/₹100

#78

Joining fee

₹299

#7

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
Min Credit Score
650+ #1
Categories Business, Cashback, Entry Level
View full details
CardNitty's take

Pros

  • Low annual fee of Rs 299 with easy waiver at Rs 30K spend
  • Up to 1% direct cashback on retail purchases
  • 1% cashback on international spends above Rs 10K
  • Domestic airport lounge access
  • Fuel surcharge waiver up to Rs 500 per cycle

Cons

  • Cashback requires minimum statement balance of Rs 10K-50K
  • No cashback on fuel transactions
  • High forex markup of 3.5%
  • Card discontinued - no new applications accepted
  • No insurance or premium lifestyle benefits
Read full review

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