American Express Business Travel Account
Centralize and control your company's air travel expenses with one simple account.
Annual Fee
FREE
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The Amex Business Travel Account (BTA) is a powerful back-end financial tool rather than a traditional credit card. It excels at simplifying complex travel accounting for large firms by providing granular data and centralized billing.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹3,000
Year 2+
+₹3,000
Why get this card
Centralized billing consolidates all employee air travel expenses into a single monthly statement.
Provides 'Level 3' rich data including traveler names, flight dates, and routing for easy reconciliation.
Extended payment terms of up to 51 days significantly improves corporate cash flow.
Complimentary Business Travel Accident Insurance with air accident cover of ₹30 Lakhs.
Watch out for
Virtual account only; no physical card provided for on-ground employee expenses like meals or local transport.
No complimentary airport lounge access or other lifestyle perks associated with physical premium cards.
Restricted primarily to air travel, rail, and hotel bookings through authorized Travel Management Companies (TMCs).
Who is this card for?
Best for
business owner
Large corporations looking to automate travel expense reconciliation and gain visibility into employee travel patterns.
Min: ₹5,00,000/mo
Skip if you're
individual traveler
Individual employees or small business owners who need a physical card for personal or diverse business expenses.
Base Earning
1 Corporate Membership Rewards
per ₹50 spent
0.5%
effective rate
Point value: ₹0.25/point
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions