Business Credit Cards

More About Business Cards

HDFC Bank Credit Card features vary based on the card type. Here are the details: 

Business Credit Cards 

  • Get up to 55 days of interest-free credit for your working capital needs. 
  • Save up to 21% on business expenses such as utility bills, income tax, vendor payments, GST, business travel and software tools. 
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Commercial Credit Cards 

  • Enjoy versatile spending options and innovative payment solutions.   
  • Earn rewards and CashBack on your business transactions. 
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Prepaid Cards   

  • Personalise your spending with rewarding CashBack offers. 
  • Access NetBanking for easy expense tracking and enjoy exclusive deals on PayZapp and SmartBuy. 
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Business Debit Cards 

  • Receive up to ₹9,000 annually* in CashBack on business expenses.   
  • Access increased shopping and ATM withdrawal limits. 
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Benefits of Business Cards

  • Using an SME Bank Card helps separate business expenses from personal expenses, simplifying financial record-keeping and tax filing. 
  • Business Credit Cards provide detailed monthly statements, categorising expenses by type (e.g., travel, supplies), making tracking and analysing spending patterns easier. 
  • SME Business Cards offer a revolving credit line that can be used for cash flow management, covering short-term expenses and managing unexpected costs. 
  • Many MSME Business Cards offer rewards such as CashBack, points, or travel miles on business purchases, providing incentives for spending and potential savings. 
  • Regular, responsible use of a small company Credit Card can help establish and build a business’ credit profile, which may facilitate future financing options and vendor relationships. 
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HDFC Bank offers four different types of small Business Credit Cards. These are: 

  • Business Credit Cards 
  • Commercial Credit Cards 
  • Prepaid Cards 
  • Business Debit Cards 

*The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.

Frequently Asked Questions

A Business Credit Card is a financial tool that allows businesses to make purchases, manage cash flows, and build credit. It also comes with features tailored to meet diverse business needs.

Business owners can apply for an SME Card, including sole proprietors, partnerships, LLPs, private limited companies and corporations. Eligibility often depends on the business's financial health and the individual's creditworthiness. 

The general fees associated with Business Credit Cards include joining fees, annual/renewal fees, card replacement fees, cash withdrawal fees, etc. The fees levied depend on the type of card you own. Some cards may offer waivers if annual expenses on the card exceed a certain limit.  

No, SME Credit Cards are intended solely for business-related expenses.

Yes, MSME Card expenses solely for business purposes are tax-deductible. Maintaining clear records and ensuring expenses meet tax regulations to claim deductions accurately is important.

If you miss a payment on your MSME Credit Card, you may incur late fees, interest charges, and penalties. It can also negatively impact your credit score and affect your ability to secure future credit.

If your Business Credit Card is lost or stolen, immediately report it to your card issuer. They will deactivate the card to prevent unauthorised use and issue a replacement card with a new account number.