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IDFC FIRST Bank
IDFC FIRST Business Max Credit Card
Fd-backed
Rewards
1st Year Fee: ₹ 0
Rewards
Up to 20% off on hotel booking
Travel
Low forex markup fee of 1.5%
No Fee
Zero joining & annual fee card
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About IDFC FIRST Business Max Credit Card
IDFC FIRST Business Max is a business credit card backed by a fixed deposit (FD) starting at Rs. 10,000, making it a decent choice for small business owners looking to build or manage credit. Cardholders earn 6 reward points per Rs. 200 spent on domestic online purchases and 4 reward points on offline spending, while UPI transactions earn up to 3 reward points on eligible spends. Reward points can be redeemed at a value of Rs. 0.25 per point. The card also includes travel-related benefits such as a low forex markup fee of 1.5% and bonus reward points on hotel and flight bookings made through the bank’s mobile app. Additional features include up to 45 interest-free days, EMI conversion on purchases above Rs. 1,500, and finance charges of 12% per annum.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit IDFC FIRST BANK’s website.
Key Features and Benefits
Rewards Program1
- 6 reward points on every Rs. 200 spent on domestic online spends
- 4 reward points on every Rs. 200 spent on domestic offline spends
- 3 rewards points on UPI spends above Rs. 2,000
- 1 rewards point on UPI spends below Rs. 2,000
Reward Redemption
- Redeem the accumulated reward points at a value of 1RP = Rs. 0.25
Travel Benefits
- Low forex markup fee of 1.5%
- 20% Bonus Rewards Points on hotel booking via IDFC FIRST Bank Mobile App
- 10% Bonus Rewards Points on flight booking via IDFC FIRST Bank Mobile App
IDFC FIRST Business Max Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 1% p.m. (12% p.a.) |
| Late Payment Fee | 15% of total amount due (min. Rs. 100, max. Rs. 1,300) |
Things to Know Before you apply
Get this card if:
You are not eligible for unsecured card and want to build your credit history with a lifetime free credit card
You travel frequently and want to owe a card that offers accelerated reward points on hotel and flight booking
You are looking for a business credit card that offer low forex makeup fee
You often use IDFC FIRST Bank Mobile App for booking hotels and flights
Other similar cards
Paisabazaar Review
What do we like about this card?
IDFC FIRST Business Max Credit Card is a secured business credit card backed by a fixed deposit starting at Rs. 10,000, making it a suitable option for small business owners and first-time business credit consumers. The card comes with no joining or annual fee, low finance charges of 12% per annum, and reward benefits across online, offline, and UPI transactions. Additionally, it offers a low forex markup fee of 1.5% and flexible EMI conversion on transactions above Rs. 1,500. However, applicants should note that an active GST number is mandatory to apply for the card. Individuals or businesses without a registered and active GST number are not eligible for this credit card.
Pros
- Lifetime free credit card
- Up to 20% Bonus Reward Points on travel spends
- 6 reward points per Rs. 200 spent on domestic online transactions
Cons
- Does not offer any travel related benefits
- Low reward redemption rate of Rs. 0.25
Frequently Asked Questions
Everything you need to know about this credit card
The card is ideal for small business owners, freelancers, and startups who may not qualify for unsecured business cards. Since it is backed by a fixed deposit starting at Rs. 10,000, it helps consumers build business credit while availing lifetime free card benefits and low finance charges of 12% p.a.
Cardholders can earn 6 reward points per Rs. 200 spent on domestic online purchases and 4 reward points on offline transactions. UPI payments above Rs. 2,000 earn 3 points per Rs. 200.
Yes, the card comes with a low forex markup fee of 1.5%, making international transactions more affordable. Consumers can also get 20% bonus reward points on hotel bookings and 10% bonus reward points on flight bookings made through the IDFC FIRST Bank mobile app.
No, the IDFC FIRST Business Max Credit Card is completely lifetime free with zero joining and annual fees.
Yes, transactions above Rs. 1,500 can be converted into easy EMIs.
Footnotes
- Reward points are valid for 24 months from the date they are credited. For example, points earned from the July 2026 statement cycle will expire 24 months later.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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