All cards / IDFC FIRST Bank
IDFC FIRST Bank
IDFC FIRST Business Max Credit Card
RuPay
IDFC FIRST Business Max Credit Card
A genuinely accessible secured business card — a ₹10,000 FD and an active GST number are all it takes, with 45 interest-free days and a low forex markup, but rewards are thin and it's really a credit-building tool for small business owners, not an earnings card.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🛍️ Shopping
0.75% reward rate
- 🌍 Forex / international spend
Low 1.5% forex markup · 1.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Employment: self-employed
- Age: 21–65
Benefits
- FD-backed credit limit starting at just ₹10,000 — an active GST registration is mandatory to apply
- Low 1.5% forex markup
- EMI conversion available on purchases above ₹1,500
Pros
- + FD requirement starts at just ₹10,000
- + Lifetime free, zero joining/annual fee
- + Low 1.5% forex markup for a secured card
Cons
- − Requires an active GST number to apply
- − Thin 0.5–0.75% reward rate
- − No lounge or travel benefits