Business Essential Credit Card

The ICICI Bank American Express Business Essential Credit Card is a Business Credit Card that offers reward points and combines lifestyle privileges with business convenience.

Points can be redeemed for gift vouchers, merchandise, travel bookings and more through the ICICI Bank Rewards portal or the Self-care Portal.

Business Credit Cards are specifically designed for entrepreneurs, proprietors and MSMEs to manage business finances more efficiently. Unlike personal Credit Cards, they help you manage company expenses separately, build your business credit profile and access higher credit limits to support growth. ICICI Bank Business Credit Cards support easy reconciliation of business spends.

Business Credit Cards are designed for entrepreneurs, business owners and self-employed professionals. While the exact requirements might vary, applicants are typically expected to:

• Own or manage a registered business / professional practice in India
• Have a stable financial track record.

Apart from these conditions, the Bank might also consider other factors pertaining to business stability and history before approving the application. If you own a business or are a professional with steady income, you can check your eligibility and apply with ease.

After you’ve met the eligibility criteria and chosen the Business Credit Card that fits your needs, the next step is to get your documents in order. Being prepared with the right documentation ensures a quicker and smoother application experience. The list of documents might vary based on the constitution of the registered business. An indicative list of documents is given below:

• Business Registration or Incorporation Certificate
• Proof of the business’s registered office address
• Financial documents (Bank Statements / Audited Financials or GST Returns)./li>

The Bank will perform additional due diligence based on the financial assessment of the submitted documents.

The mentioned insurance is complimentary with your Card. For detailed terms and conditions, click here.

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