Axis Bank Business Credit Card – Choose the Right One

Running a business is tough. Your card shouldn't make it harder. A business credit card isn't just a piece of plastic for swiping. It's a smart tool to keep your company's expenses tidy. It also helps you track every rupee and gives you some financial breathing room when you need it. So, why not ditch the messy reimbursements in favour of an Axis Bank business credit card? It can seriously simplify your life.

Fortunately, for you, there are a bunch of Axis Bank business credit cards designed for all sorts of companies, from fresh startups to big corporations. These cards aren't just about spending power. They come loaded with features and perks to help Indian businesses grow, letting you focus on the big picture while the bank handles your transactions.

Table of Contents

• Common Features of Axis Bank Business Credit Cards
• Best Axis Bank Business Credit Cards
  • Axis Bank Business Supreme Visa Credit Card
  • Axis Bank Business Supreme Mastercard Credit Card
  • Axis Bank Corporate Credit Card with Corporate Liability
  • Axis Bank Executive Corporate Credit Card

Common Features of Axis Bank Business Credit Cards

Business credit cards aren't just big versions of your personal card. They've got special features built for how businesses operate. Here's a quick peek at what you'll generally find:

• Bigger spending limits: Businesses often need to spend more money than individuals. So, business credit cards usually let you spend a lot more. This means your operations run smoothly without hitting a spending wall.
• Easy expense tracking: Many Axis Bank business cards come with online tools or detailed statements. These help you sort and keep track of all your business spending, making accounting and tax time a breeze.
• Cards for your team: You can get extra cards for your employees, each with its own spending limit. This helps you control what they spend and cuts down on all that pesky paperwork related to paying them back.
• Sweet rewards: Just like personal cards, Axis Bank business credit cards give you reward points, cashback, or air miles when you spend. You can use these rewards for travel, office supplies, or even get them deducted from your bill (like an additional discount).
• Serious security: These cards usually have top-notch fraud protection. This means your company's money is safe from unauthorised transactions, giving you peace of mind.
• Interest-free time: This is a standard perk. You can make purchases and pay them back within a set time (usually 45-50 days) without paying any extra interest. Great for managing your everyday cash flow.
• Accepted everywhere: An Axis business credit card works almost anywhere, online and in stores, both in India and abroad. So, your business can make payments easily, no matter where you are.

Axis Bank business credit cards pack in the features that actually matter when you're running a company. From smoother spending to better control and useful rewards, they’re built to support your day-to-day operations without adding extra hassle.

Best Axis Bank Business Credit Cards 

Looking for a card that fits your business just right? Here’s a quick breakdown of the top Axis Bank business credit cards, what they offer, where they shine, and who they’re best suited for.

Axis Bank Business Supreme Visa Credit Card

This is a solid choice for businesses that want to manage expenses smartly and earn some rewards along the way. It's perfect for solo entrepreneurs and small businesses needing a flexible way to pay.

Key features

• Reward points:
  • Earn 4 reward points for every ₹200 you spend in India on things like travel, tours, flights, direct marketing, and hotels.
  • Get 1 reward point for every ₹200 on all other spending in India.

• International spends: Earn 3 reward points for every ₹200 you spend globally.
• Cash on demand: You can get cash up to 30% of your spending limit from Visa ATMs worldwide.
• Automatic bill payments: Set it and forget it. Pay your utility bills (like phone, electricity, gas) automatically every month.
• EMI option: Convert big purchases (over ₹2,500) into easy monthly payments. This helps you handle larger expenses without a headache.
• EDGE REWARDS: Collect special EDGE REWARDS points and choose from over 500 options in the bank's reward catalogue.
• Welcome bonus: Get 100 points just for your very first online purchase.
• Birthday perks: Double your reward points on all your spending during your birthday month.

Pros & cons

• Pros:
  • Good reward rates for specific business expenses.
  • Flexibility to convert big buys into easy monthly payments.
  • Convenient automatic bill payments.
  • Access cash globally when needed.
• Cons:
  • General spending in India gets fewer reward points.
  • Taking out cash advances comes with a fee.

Pricing & charges

• Joining fee: ₹0
• Annual fee:₹0 
• Finance charges: 3.6% per month (or 43.20% per year)
• Cash withdrawal fees: 2.5% of the cash amount (at least ₹500)
• Foreign currency transaction fee: 3.50% of the amount you spend in another currency
• Other fees: Standard fees for late payments, going over your limit, or bounced cheques apply according to bank rules

Ideal for: Growing small businesses and individual professionals who spend a lot on travel, marketing, and hotel stays. 

Axis Bank Business Supreme Mastercard Credit Card

It offers solid benefits for first-time business owners. It boasts higher joining and annual fees, which might not be a huge win for budget-conscious entrepreneurs. But it does offer some luxury perks.

Key features

• Lounge access: Relax with 4 complimentary lounge accesses at select airports per quarter. 
• Domestic spends rewards: Get 4 reward points for every ₹200 you spend in India on travel, tours, flights, direct marketing, and hotels. For everything else (business expenses), it's 6 reward points per ₹200.
• International spends rewards: Earn 8 reward points for every ₹200 you spend overseas.
• Bonus offers: ₹10,000 reward points on transactions over ₹5 lakh and an additional 5,000 reward points on spending more than 8 lakh in your anniversary year.

Pros & cons

• Pros:
  • Effortless expense management with consolidated bills.
  • Good reward structure for specific business categories.
  • Handy options for monthly payments and bill management.
• Cons:
  • General spending doesn't earn as many points.
  • Cash advances still come with fees.

Pricing & charges

• Joining fee: ₹1,500
• Annual fee: ₹1,500
• Finance charges: 3.6% per month
• Cash withdrawal charges: 2.5% (at least ₹250) of the cash amount
• Foreign currency transaction fee: 3.50% of the amount you spend in another currency
• Other fees: Standard fees for late payments, going over your limit, or bounced cheques apply according to bank rules

Ideal for: Sole proprietors, freelancers, and small businesses who want a powerful card without recurring fees.

Axis Bank Corporate Credit Card with Corporate Liability

This credit card is built for bigger companies where the company itself is responsible for expenses, not individual employees. It gives you strong tools for managing and reporting company spending.

Key features

• The company takes charge: The company is primarily responsible for all card payments, making financial control simpler and more centralised.
• Easy expense tracking: Keep track of every transaction easily. This is perfect for managing employee travel and entertainment costs.
• Smart spending controls: The company can set limits and keep an eye on employee spending, ensuring everyone follows company rules.
• Detailed reports: Get in-depth reports for a clear look at spending and easier record-keeping.
• Global reach: You can use this card at millions of places worldwide.
• Travel & entertainment perks: Comes with benefits designed to make business travel and dining smoother, including airport lounge access.
• Built-in insurance: Includes helpful insurance covers like protection if your card is lost (up to ₹1 lakh), cover for lost checked bags (up to ₹30,000), and even for missing a connecting flight during transit up to ₹10,000.

Pros & cons

• Pros:
  • Centralised responsibility makes company finances easier to manage.
  • Excellent for handling employee expenses and maintaining financial oversight.
  • Strong reporting tools for in-depth analysis.
• Cons:
  • Requires corporate eligibility and a fair bit of company paperwork.
  • Rewards usually benefit the company, not individual employees.

Pricing & charges

• Joining & annual fees: As agreed upon with your company
• Finance charges: Not usually applicable (it's often a charge card, meaning you're expected to pay the full balance).
• Cash withdrawal fees: These will vary based on your company's agreement with the bank.
• Foreign currency transaction fee: 3.5% of the amount you spend in another currency.
• Other fees: Standard fees for late payments, going over your limit, or bounced cheques apply as per your company's agreement.

Ideal for: Medium to large companies and established businesses managing a lot of employee expenses.

Axis Bank Executive Corporate Credit Card

The Axis Bank business credit card provides a specialised solution for executives. It focuses on smooth company expense management with added premium perks.

Key features

• Executive-level: Designed for companies needing strong expense management for their senior staff.
• Employee cards: Can be given to individual employees, with the company setting the rules for spending.
• Superb reporting: Offers detailed reports for spending analysis and making sure rules are followed.
• Travel & lifestyle perks: Enjoy 8 free international lounge visits and 4 free domestic lounge visits each year. Plus, get up to 4 free golf rounds and 1 lesson annually.
• Secure transactions: Features contactless payment for quick, secure payments up to ₹5,000 without needing a PIN.
• Lower forex markup: Only a 2% fee on spending in other currencies, which is a great advantage for teams that travel internationally.
• Solid insurance coverage: Includes critical illness insurance coverage of up to to ₹10 lakh, lost card protection up to ₹2 lakh, and emergency hospitalisation cover up to $5,000.

Pros & cons

• Pros:
  • Organises company spending with significant travel perks.
  • Lower fee for spending in foreign currencies compared to other business cards.
  • Comprehensive insurance benefits for executives.
• Cons:
  • Higher standard fees to join and for the yearly charge.
  • Only available for corporate entities.

Pricing & charges

• Joining fee: ₹3,500
• Annual fee: ₹3,500
• Finance charges: Not applicable (typically a charge card).
• Cash withdrawal charges: 2.5% of the cash withdrawal amount (at least ₹250).
• Foreign currency transaction fee: 2% of the amount you spend in another currency.
• Other fees: Standard fees for late payments, going over your limit, or bounced cheques apply.

Ideal for

Perfect for travel-heavy executive teams and established companies seeking premium benefits with strong expense control.

Here's a quick side-by-side look at the key Axis Bank business credit cards:

Feature	Business Supreme (Visa)	Business Supreme (Mastercard)	Corporate Liability	Executive Corporate
Joining Fee	Nil	₹1,500	As agreed with the company	₹3,500
Annual Fee	Nil	₹1,500	As agreed with the company	₹3,500
Primary Responsibility	Individual	Individual	Company	Company
Reward Rate (Domestic)	Up to 4 points/₹200	Up to 4 points/₹200	Varies	Up to 4 points/₹200
Reward Rate (International)	3 points per ₹200	8 points per ₹200	Varies	8 points per ₹200
Domestic Lounge Access	No	Yes (select airports)	Yes (select airports)	4 free per year
International Lounge Access	No	No	No	8 free per year
Foreign Transaction Fee	3.50%	3.50%	3.50%	2%
Ideal For	Growing small businesses	Sole propriterships	Mid-large companies	Travel-heavy executive teams

Each card has its own strengths, some focus on travel, others on rewards or expense control. It really depends on what your business needs most right now. So, before picking one, think about what matters more: perks, flexibility, or saving on charges.

Also, check out the Top Axis Bank Credit Cards with features, eligibility, and charges on Finology Select.

Conclusion

Running a business means constantly making choices that impact your bottom line; your credit card shouldn't be one of them. Axis Bank's business credit cards do a great job of simplifying expense tracking, offering higher spending limits, and rewarding you for business-related purchases. 

But here's the thing: what works for one business may not work for another. Some need better travel benefits, others want lower forex charges or stronger customer service. And maybe, Axis Bank's cards check some boxes, but not all. And what works for a business definitaly wont work for an individual. 

That's where Finology Select comes in. It lets you explore 90+ credit cards from leading issuers in one place. Filter by fees, rewards, usage needs, or even lifestyle benefits and find a card that fits you best, not the other way around.

Because choosing a credit card shouldn't be a gamble. It should be a calculated move, just like every decision you make for your business. 

Want to analyse cards that offer benefits similar to business credit cards but with zero annual charges? Take a look at the top Axis Bank Credit Cards with No Annual Fee.

FAQs

Here are some common questions about Axis Bank business credit cards.

How is a business credit card different from a personal credit card?

Think of it this way: Axis Bank business credit cards are made just for your business spending. They usually come with higher spending limits, detailed reports of your purchases, and options for your company to be responsible for the bills. This helps keep your personal and business money separate, making accounting and taxes much easier.

What documents do I need to apply for an Axis Bank business credit card?

Generally, you'll need proof of who you are (like your PAN card, Aadhaar card) and where you live (like a utility bill). For your income, the bank will ask for things like your Income Tax Returns (ITR) or company financial statements. For a corporate card, you'll also need company documents like your company's official registration papers.

Can I get supplementary cards for my employees?

Absolutely! Axis Bank business credit cards often let you get extra cards for your team members. You can even set specific spending limits for each card, giving you better control over employee expenses.

Do Axis Bank business credit cards offer lounge access?

Yes, some do! Some premium Axis Bank corporate cards, especially the Axis Bank Corporate credit card with corporate liability and the Axis Bank Executive Corporate credit card, often include free airport lounge access. The other cards usually focus more on earning reward points for your spending.

What happens if I make an international transaction with my Axis Bank business credit card?

When you use your card abroad, there's usually a fee for converting the currency. For most Axis Bank business cards, this is 3.50% of the transaction amount. However, the Axis Bank Executive Corporate credit card has a lower fee of just 2%.