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Business Max Credit Card

IDFC FIRST Bank

Business Max Credit Card

visarupayplatinumcreditbusinessonline

Annual Fee

Lifetime Free

Base Reward

10% cashback

Foreign Markup

3.5% + GST

Apply Now
4.8/5
VerifiedLast updated 26 May 2026

Welcome Benefits

10X Rewards on first transaction

Product Highlights

  • Lifetime Free
  • 10X Rewards
  • Zero Forex
  • Low APR
  • 10X Rewards on business spends

Category Rewards

Specialty

6 RP/₹200 on domestic online purchases

0.75%

Specialty

4 RP/₹200 offline domestic

0.5%

Specialty

3 RP/₹200 on UPI transactions ≥₹2,000

0.375%

Specialty

6 RP on GST/Taxes/business payments

0.75%

Specialty

6 RP on GST/Taxes/business payments

0.75%

Specialty

6 RP on GST/Taxes/business payments

0.75%

Merchant-Specific Rewards

Amazon Business

Amazon Business

10X Rewards

10%
Flipkart Business

Flipkart Business

10X Rewards

10%

Reward Calculator

Earns ₹1,005/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹22K

across all your buckets

Points / yr

4.0K

IDFC FIRST Reward Points

Best worth

₹1.0K

via standard · ₹0.25/pt

Effective rate

0.38%

Annual fee

FREE

Year 1 net

+₹1,005

Year 2+ net

+₹1,005

ongoing

Adjust your spend by reward bucket

5 buckets
0.75%6 RP/₹200 on domestic online purchases
₹3,000/mo
Earns 90 idfc first reward points / mo≈ ₹23 worth/mo
0.50%4 RP/₹200 offline domestic
₹3,000/mo
Earns 60 idfc first reward points / mo≈ ₹15 worth/mo
0.38%3 RP/₹200 on UPI transactions ≥₹2,000
₹3,000/mo
Earns 45 idfc first reward points / mo≈ ₹11 worth/mo
0.75%6 RP on GST/Taxes/business payments
₹3,000/mo
Earns 90 idfc first reward points / mo≈ ₹23 worth/mo
0.13%All other spends
₹10,000/mo
Earns 50 idfc first reward points / mo≈ ₹13 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

1.5%

Charged on every international (non-INR) transaction

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

Earn 10X Rewards on all business-related spends.

Redemption

1 Reward Point = ₹1 against statement

Benefits & Features

Domestic: 4 complimentary visits per quarter via DreamFolks (Min ₹2L quarterly retail spend required) International: 2 per year via Priority Pass (Available from year 2 onwards) Full lounge access description

Pros & Cons

Pros

  • Lifetime free
  • 10X rewards on business spends
  • No forex charges
  • 10X Rewards on business spends
  • Low APR

Cons

  • Limited to business-related transactions
  • High interest rate
  • High foreign markup

Additional Info

Important note 1

Note 2

Max reward cap of ₹10,000 per month

Excluded Categories

personal expensesentertainment

Partner Merchants

Amazon BusinessFlipkart Business

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual FeeFREE
Joining FeeLifetime Free
Foreign Markup3.5% + GST
Interest Rate3.75% per month
Cash Advance2.5% of amount, min ₹500

Eligibility

Min Age

21 yrs

Salaried

₹0.5L+

Self-Emp

₹10.0L+

Networks

visamastercardrupay