IDFC FIRST Bank Business Multiplier Credit Card
IDFC FIRST Bank
Annual / renewal fee
₹1,000 (plus GST).
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Earn rate
30% Bonus Reward Points on hotel bookings and 17.5% Bonus Reward Points on flights, on travel bookings made via the IDFC FIRST Bank Mobile App (over and above applicable base rewards).
VerifiedBusiness Multiplier Credit Card – Official Communication / Card Update (May 2026)18 Aug 2026, 10:13 PM 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 Multiplier Credit Card by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹1,000 (plus GST).
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Annual / renewal fee
₹1,000 (plus GST).
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Fee waiver
Annual fee waived on annual spends of ₹5 lakhs.
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Rewards
30% Bonus Reward Points on hotel bookings and 17.5% Bonus Reward Points on flights, on travel bookings made via the IDFC FIRST Bank Mobile App (over and above applicable base rewards).
VerifiedBusiness Multiplier Credit Card – Official Communication / Card Update (May 2026)18 Aug 2026, 10:13 PM IST
Redemption value
- 1 Reward Point = ₹0.25.
- There is NO expiry date on the Reward Points accrued (Reward Points are evergreen).
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Reward cap
- Rewards are earned for spends up to your credit limit per billing cycle.
- Additional spends beyond this will not be eligible for reward points (effective 18th June 2026).
VerifiedBusiness Multiplier Credit Card – Official Communication / Card Update (May 2026)18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Reward exclusion
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Travel & lounge
Lounge access
- 8 complimentary airport lounge accesses per year: domestic (once a quarter) and international (once a quarter), on spending ₹20,000 or more in the previous calendar month.
- International lounge access via DreamFolks card at no additional charge.
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Hotel benefit
Bonus Reward Points on travel bookings via IDFC FIRST Bank Mobile App: 30% Bonus Reward Points on hotel bookings and 17.5% Bonus Reward Points on flights, over and above applicable base rewards.
VerifiedBusiness Multiplier Credit Card – Official Communication / Card Update (May 2026)18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Travel benefit
- Cancellation for Any Reason (CFAR) insurance coverage of up to ₹25,000 covering cancellation charges on flight and hotel bookings.
- Up to two cancellation claims in a year.
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Complimentary FIRST Digital UPI card.
VerifiedBusiness Multiplier Credit Card – Official Communication / Card Update (May 2026)18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Insurance
Complimentary 24/7 Roadside Assistance cover of up to ₹1,399, four times every year.
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Eligibility
Eligibility
- FD-backed card.
- Available against a Fixed Deposit starting ₹50,000.
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Charges & interest
Forex markup
Zero Forex Markup (compared to industry-standard of 3-3.5%).
VerifiedBusiness Multiplier Credit Card – Official Communication / Card Update (May 2026)18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Charge
- Finance/interest charge: 1% p.a. (low interest rate stated).
- Overdue interest Monthly 3.99% / Annual 47.88%.
- Cash advance transaction fee ₹199.
- Late payment charges 15% of Total Amount Due (min ₹100, max ₹1,250).
- Over-limit charges 2.5% of over-limit amount (min ₹500).
- Return of cheque/Auto Debit/Payment Return ₹250.
- Reward Redemption Fee ₹99 per redemption transaction.
- EMI Processing Fee 1% of transaction value (min ₹99).
- Rent/Property Management (MCC 6513) 1% + GST on total transaction amount (effective 3rd March 2023).
- GST at 18% on all fees, interest and other charges.
VerifiedMITC – Retail Credit Cards (Customer)18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Fuel surcharge waiver
1% fuel surcharge waiver up to ₹400 per statement cycle.
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Interest-free period
- Up to 45 days interest-free credit.
- Interest-free (grace) period shall not exceed 48 days.
VerifiedMITC – Retail Credit Cards (Customer)18 Aug 2026, 10:13 PM 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 Multiplier Credit Card?
Officially traced: Rs. 1,000 (plus GST).
Business Multiplier Credit Card product pageWhat is the joining fee on the Business Multiplier Credit Card?
Officially traced: Rs. 1,000 (plus GST).
Business Multiplier Credit Card product pageIs the Business Multiplier Credit Card annual fee ever waived?
Annual fee waived on annual spends of Rs. 5 lakhs.
Business Multiplier Credit Card product pageHow does the Business Multiplier Credit Card earn rewards?
30% Bonus Reward Points on hotel bookings and 17.5% Bonus Reward Points on flights, on travel bookings made via the IDFC FIRST Bank Mobile App (over and above applicable base rewards).
Business Multiplier Credit Card – Official Communication / Card Update (May 2026)What lounge access does the Business Multiplier Credit Card include?
8 complimentary airport lounge accesses per year: domestic (once a quarter) and international (once a quarter), on spending Rs. 20,000 or more in the previous calendar month.
Business Multiplier Credit Card product pageWhat welcome benefit does the Business Multiplier Credit Card offer?
Complimentary FIRST Digital UPI card.
Business Multiplier Credit Card – Official Communication / Card Update (May 2026)What are the transfer ratios for Business Multiplier Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Business Multiplier Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
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-multiplier-credit-card.
VerifiedBusiness Multiplier Credit Card product page18 Aug 2026, 10:13 PM ISTIDFC FIRST Bank
Verified 2026-08-18 · 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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