RBL Bank RazorpayX Corporate Purchase Card

Commercial Cards are used by corporate employees for business-related expenses, streamlining expense management and improving financial control.

Businesses using Razorpay services, especially startups and SMEs can apply for a RBL Bank RazorpayX Commercial Card. Corporates can then request to issue individual RBL Bank RazorpayX Commercial Cards to their employees.

No, our commercial card solutions are corporate liability product. However, as per RBI regulations, complete individual KYC needs to be undertaken before issuance.

Flexi Limit simplifies the management of credit limits across your commercial cards. It eliminates the cumbersome process of re-allocating limits on existing cards when issuing new ones.

For example, even if your company has a INR 10 Lakh credit line and has already issued 10 cards at INR 1 Lakh each, Flexi Limit allows you to issue additional cards *without reducing the limits on existing cards*, as long as the *total outstanding balance* across all cards remains within the INR 10 Lakh limit. This provides maximum flexibility and avoids unnecessary administrative work.

Yes, merchant category wise (MCC) restriction is possible on RBL Bank RazorpayX Commercial Cards.

This is standard product feature and cannot be customized.

Up to 50 Days Interest Free Credit Period.

Yes, Taking a RBL Bank RazorpayX Commercial Card against Fixed Deposit does not impact your FD. The invested FD amount will continue to generate returns at the applicable interest rate.

No, you cannot close the FD midway. However, you may opt for partial withdrawal. The amount of money you can withdraw would depend on your credit limit on the card and your deposit amount.

RBL Bank offers 'high interest rate on FD'. Click here to view rates.

*T&C apply

Yes, international transactions are possible via RBL Bank RazorpayX Commercial Cards.

We offer competitive foreign markup at 2.5% per transaction.

The individual gets the reward points on both RBL Bank RazorpayX Corporate T&E and Purchase Card:

RBL Bank RazorpayX Corporate T&E Card

• 2 Reward Points on every INR 150 domestic spends
• 3 Reward Points on every INR 150 international spends

RBL Bank RazorpayX Corporate Purchase Card

• 1,000 Points for INR 75,000 spend milestone
• 3,000 Points for INR 3,00,000 spend milestone
• 6,000 Points for INR 10,00,000 spend milestone
• Bonus: 10,000 Points for INR 10,00,000 international spends

A late payment fee of 2% is charged on total outstanding amount with a min. of INR 300.