IndusInd Bank Business Credit Cards

Approval Rate: Medium

IndusInd Bank Business Credit Cards

4.3 ☆

Reward Type

Business Rewards

Joining Fee

Nil

Interest rate Rate

Up to 3.83% per month (46% annually)

Annual Fee

Nil

IndusInd Bank Business Credit Cards

IndusInd Bank Business Credit Cards are designed to empower entrepreneurs, professionals, and SMEs with flexible financial tools tailored to support business operations. These cards offer benefits like high credit limits, seamless expense management, cashback on business purchases, and exclusive access to airport lounges and concierge services. Whether you’re a startup owner or a growing enterprise, these cards are built to help manage working capital, simplify transactions, and reward everyday business spending.

Key Features of IndusInd Bank Business Credit Cards

High credit limits tailored to business requirements Rewards and cashback on utility bills, office supplies, fuel, and travel Multi-card facility for employees with consolidated statements Business-specific spending insights and analytics Complimentary domestic lounge access for business travel comfort Expense tracking through IndusInd’s online and mobile platforms Contactless and secure payment features Flexi-pay and EMI options for large business purchases

Key Benefits of IndusInd Bank Business Credit Cards

  • Cashback or reward points on business essentials like advertising, travel, and fuel

  • Complimentary access to business lounges at airports (select cards)

  • Spend tracking, categorization, and limits for better control

  • EMI conversion for high-value purchases

  • Business insurance benefits including purchase protection and liability cover

  • Online account management and expense tracking tools

Rewards of IndusInd Bank Business Credit Cards

  • Earn up to 2 reward points per ₹100 on eligible business expenses

  • Redeem rewards for office supplies, vouchers, cashback, or travel bookings

  • Bonus points on meeting monthly or annual spend targets

  • Additional rewards for digital payments and utility spends

  • Special business category multipliers on select cards

Documentation needed for application to IndusInd Bank Business Credit Cards

  • PAN Card (Business and Owner)

  • Identity Proof (Aadhaar/Passport/Voter ID)

  • Address Proof (Utility bill, Aadhaar)

  • Business registration certificate or GST certificate

  • ITR or financial statements for the last 1-2 years

  • Recent passport-size photograph

  • Current account bank statement (3-6 months)

Application Process to IndusInd Bank Business Credit Cards

  • Click on “Apply Now” and fill in the required business and personal details
  • Choose the preferred business card variant

  • Upload the necessary KYC and income documents

  • Track your application status online; approval within 7–10 working days

IndusInd Bank Business Credit Cards Pricing

  • Interest Charges: Up to 3.83% per month

  • Late Payment Fee: ₹100 – ₹1,200 based on outstanding balance

  • Cash Advance Fee: 2.5% or ₹300 minimum

  • Foreign Transaction Mark-up Fee: 3.5%

  • Fuel Surcharge Waiver: 1% at select fuel stations

  • Overlimit Charges: 2.5% of exceeded amount (min ₹500)

FAQs of IndusInd Bank Business Credit Cards