All cards / IDFC FIRST Bank
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 zero forex markup, but rewards are thin and it's really a credit-building tool for small business owners, not an earnings card.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to business owners managing company spend with a credit score of roughly 650+ whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Travel: Zero forex markup on international spend (from 9 Sep 2026)
Benefits by category
- 🛍️ Shopping
0.75% reward rate
- 🌍 Forex / international spend
Zero forex markup (from 9 Sep 2026) · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Employment: self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 0%
- Interest rate: 8.52%–42% p.a.
Benefits
- FD-backed credit limit starting at just ₹10,000 — an active GST registration is mandatory to apply
- Zero forex markup (from 9 Sep 2026)
- EMI conversion available on purchases above ₹1,500
Pros
- + FD requirement starts at just ₹10,000
- + Lifetime free, zero joining/annual fee
- + Zero forex markup, rare for a secured card
Cons
- − Requires an active GST number to apply
- − Thin 0.5–0.75% reward rate
- − No lounge or travel benefits
- − International spends stop earning reward points from 26 Oct 2026 (the trade-off for zero forex markup)
Best for