What Is a Business Credit Card?
A Business Credit Card is a financial tool designed exclusively for business expenses. From travel and marketing costs to client meetings and equipment purchases, it gives your business the credit flexibility it needs—without mixing it up with personal finances.
Why Choose a Business Credit Card?
Keeps business and personal expenses separate
Builds business credit history
Earn rewards, cashback, or travel points
Enables employee card issuance with spend limits
Simplifies expense tracking and tax filing
Features of the Vizzve Business Credit Card
| Feature | Details |
|---|---|
| Credit Limit | Up to ₹10 Lakhs (based on business profile) |
| Interest-Free Period | Up to 45 days |
| Reward Benefits | Cashback, points, fuel surcharge waivers |
| EMI Conversion | On purchases over ₹2,000 |
| Expense Management Tools | Real-time tracking via app |
| Employee Cards | With individual usage caps |
Documents Required for Business Credit Card
PAN and Aadhaar of business owner
Business registration proof (GST, MSME/Udyam, etc.)
Bank statement (last 6 months)
Income proof (ITR or audited financials)
Who Should Get a Business Credit Card?
MSMEs & startups
Freelancers with steady income
Small traders or consultants
Businesses with recurring office/travel spends
Digital entrepreneurs needing ad budgets
How Is It Better Than a Personal Credit Card?
| Personal Credit Card | Business Credit Card |
|---|---|
| Tracks personal expenses | Separates business transactions |
| Limited expense control | Manage employee cards & set limits |
| No business credit build-up | Builds company’s credit profile |
| Fewer relevant rewards | Tailored offers for travel, fuel, ads |
FAQs
Q1. Do I need a registered company to get a business card?
Not necessarily. Sole proprietors and freelancers are also eligible with valid income proofs.
Q2. Will my personal CIBIL score be checked?
Yes, but your business profile and bank activity carry weight too.
Q3. Can I convert spends into EMIs?
Yes. Vizzve allows EMI conversions on large spends, helping you maintain cash flow.
Published on : 24th July
Published by : SMITA
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