IDFC FIRST Bank Business Max Credit Card
IDFC FIRST Bank
Annual / renewal fee
₹0 (zero annual fees).
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Earn rate
- 6 reward points on domestic online purchases.
- 4 reward points on domestic offline purchases.
- Up to 3 reward points on UPI transactions above ₹2,000.
- 1 reward point on UPI transactions below ₹2,000 and insurance & utility payments.
- Reward points applicable for every ₹200 spent.
- Plus 20% Bonus Reward Points on hotel bookings and 10% Bonus Reward Points on flight bookings (over and above regular points, per every ₹150 spent) via the Bank app.
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Business Max Credit Card by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹0 (zero joining fees).
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Annual / renewal fee
₹0 (zero annual fees).
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Renewal fee
- ₹999 (FIRST Business Credit Card).
- Add-on Card ₹499.
VerifiedBusiness Max Credit Card — governing document (side-door search)16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Rewards
- 6 reward points on domestic online purchases.
- 4 reward points on domestic offline purchases.
- Up to 3 reward points on UPI transactions above ₹2,000.
- 1 reward point on UPI transactions below ₹2,000 and insurance & utility payments.
- Reward points applicable for every ₹200 spent.
- Plus 20% Bonus Reward Points on hotel bookings and 10% Bonus Reward Points on flight bookings (over and above regular points, per every ₹150 spent) via the Bank app.
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM IST
Redemption value
- 1 Reward Point = ₹0.25.
- Reward points valid for 24 months from their respective transaction dates.
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Reward exclusion
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Travel benefit
Withdraw up to 100% of your credit limit as cash whenever you need.
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Milestone benefit
- Up to 20% bonus reward points on flight and hotel bookings made via the Bank app: 20% Bonus Reward Points on hotel bookings and 10% Bonus Reward Points on flight bookings, calculated per every ₹150 spent, applicable only on eligible flight and hotel bookings made via the Bank app.
- Threshold not stated on official source.
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Eligibility
Eligibility
- FD-backed card offering guaranteed approval.
- Can be applied for with a maximum limit of ₹1 lakh through the application journey.
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Charges & interest
Forex markup
1.99% markup on foreign currency transactions including DCC.
VerifiedBusiness Max Credit Card — governing document (side-door search)16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Charge
- Interest rate of 12% p.a. (1% monthly) on balances carried beyond the due date.
- EMI conversion available on transactions above ₹1,500.
- 100% cash withdrawal limit.
- Cash advance transaction fee ₹199 (per MITC).
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Interest-free period
Up to 45 days of interest-free period.
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Business Max Credit Card?
Officially traced: Rs. 0 (zero annual fees).
Business Max Credit Card product pageWhat is the joining fee on the Business Max Credit Card?
Officially traced: Rs. 0 (zero joining fees).
Business Max Credit Card product pageHow does the Business Max Credit Card earn rewards?
6 reward points on domestic online purchases; 4 reward points on domestic offline purchases; up to 3 reward points on UPI transactions above Rs. 2,000; 1 reward point on UPI transactions below Rs. 2,000 and insurance & utility payments.
Business Max Credit Card product pageWhat are the transfer ratios for Business Max Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.idfcfirst.bank.in/credit-card/business-max-credit-card.
VerifiedBusiness Max Credit Card product page16 Aug 2026, 11:42 AM ISTIDFC FIRST Bank
Verified 2026-08-16 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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