IDFC FIRST Business Max Credit Card
IDFC FIRST Bank
upi rewardsself employed
Free
Joining fee
Free
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Secured/FD-backed business card requiring a fixed deposit starting at Rs 10,000; restricted to applicants with an active GST registration number
Lounge access
0 domestic / 0 international visits per year
Reward details
4 points per Rs 200 on domestic offline purchases
- 6 points per Rs 200 on Domestic online purchases
- 3 points on UPI transactions above Rs 2,000
- 20% bonus on Hotel bookings via IDFC mobile app
- 10% bonus on Flight bookings via IDFC mobile app
Redemption
Ratio: Rs 0.25/point (flagged by aggregator as low)
- Points expire after 24 months
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- The lifetime-free model suits first-time business-credit builders who lack eligibility for unsecured cards — Paisabazaar
Complaints
- Low reward redemption rate (Rs 0.25/point) — Paisabazaar
- Absence of traditional travel perks — Paisabazaar
- The mandatory GST requirement significantly narrows the applicant pool — Paisabazaar
Sources
- Official — confirmed lifetime-free status only; JS-rendered page did not return full benefit content
- Aggregator — fees, eligibility, forex, rewards, sentiment