The bank said the card is designed to help users manage business expenses separately from personal spending by offering a dedicated credit limit for operational use. The metal credit card displays both the business name and the cardholder’s name.
According to the bank, the card can be used for business-related expenses such as office supplies, digital marketing, software subscriptions, travel, equipment purchases, inventory, international vendor payments, and employee reimbursements.
The credit limit on the card is linked to fixed deposits maintained with the bank, with eligibility starting from ₹50,000. The facility allows customers to increase their credit limit by creating or linking additional fixed deposits through the bank’s mobile application.
The card offers up to 45 days of interest-free credit, after which interest is charged at 1% per month on carried balances. It also provides rewards on specified spending categories, real-time spending visibility, and zero foreign exchange markup on international transactions.
Other features include UPI-based vendor payments, employee card issuance with spending controls, lounge access benefits subject to monthly spend criteria, and travel-related insurance coverage. The bank also offers reward-based redemption on online purchases.
The joining fee and annual fee are set at ₹1,000 each, with the annual fee waived on annual spending of ₹5 lakh.
Shirish Bhandari, Head – Credit Cards, FASTag & Loyalty at the bank, said the product is intended to provide businesses with structured access to working capital and spending tools. He added that many growth-stage businesses currently rely on debit or retail cards for operational expenses.
Eligible customers can apply through the bank’s mobile application or its official website.
The bank said the product is part of its broader suite of offerings for retail, MSME, and business customers.
