HDFC Bank
ReviewedHDFC Bank Infinia
India's benchmark super-premium card, with unlimited lounge access and strong SmartBuy redemptions.
5 pts per ₹150Lounge access
Annual fee
₹12,500 + GST
Kotak Mahindra Bank · Visa Signature
Kotak Business White
Higher limits and vendor payment rewards for small business owners and consultants.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹3,000 + GST, renewal ₹3,000 + GST.
- Annual fee waives once you spend ₹4,00,000 in a card year.
- Headline earn rate: Up to 5x on business spend.
- Includes complimentary airport lounge access (visit counts vary by tier and spend).
Also worth comparing for sme expenses
HDFC Bank
Data verifiedHDFC Bank Regalia Gold
5x points on Nykaa, Myntra, Marks & Spencer and Reliance Digital plus airport lounge visits.
4 pts per ₹150Lounge access
Annual fee
₹2,500 + GST
HDFC Bank
Data verifiedHDFC Biz Black Metal
Business-facing metal card with GST-friendly reporting and unlimited lounge access.
5 pts per ₹150Lounge access
Annual fee
₹10,000 + GST
Ready to apply for the Kotak Business White?
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