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IDFC FIRST Bank

IDFC FIRST Bank Business Max Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹0

No fee

Annual fee

₹0

No fee

What it gives back

6 reward points for every ₹200 spent on domestic online purchases; 4 reward points for every ₹200 spent on domestic offline purchases.

Read from 8 IDFC FIRST Bank documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

  • Joining fee

    ₹0No fee

  • Annual fee

    ₹0No fee

Rewards

  • Reward rate

    6 reward points for every ₹200 spent on domestic online purchases; 4 reward points for every ₹200 spent on domestic offline purchases.

  • Government spend earning

    Up to 6 Reward Points on mandatory business payments, including GST and Taxes

  • Travel earning

    20% Bonus Reward Points on hotel bookings; 10% Bonus Reward Points on flight bookings made via the Bank app.

  • Reward exclusions

    Reward Points not applicable on Fuel, Insurance, EMI transactions, Cash withdrawals, Rental and Property Management transactions, Utility Spends & Foreign Currency/International transactions.

  • What one reward unit is worth

    Each Reward Point is worth ₹0.25.

  • Catalogue redemption

    1 Reward Point = ₹0.25.

  • Point expiry

    Reward points will be valid for 24 months from their respective transaction dates.

Also included

  • Purchase to EMI conversion

    Transactions above ₹1,500 can be converted into EMIs.

Charges

  • Forex markup

    0%Zero forex markup

  • Cash withdrawal limit

    100% cash withdrawal limit

  • Interest on unpaid balance

    Flat 12% per annum interest rate (1% monthly)

  • Interest-free period

    Up to 45 days of interest-free period

Eligibility

  • Income requirement

    Businesses with registered GST; minimum Fixed Deposit (FD) of ₹10,000; you do not need a credit history or income proof

  • Minimum age

    18+ years of age

  • Documents required

    Aadhaar number; Physical PAN Card for video KYC; Registered GST number; Minimum Fixed Deposit of ₹10,000

How we know - 8 documents from IDFC FIRST Bank, checked 19 Oct 2026

8 documents from IDFC FIRST Bank, checked 19 Oct 2026.

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₹0 for life

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