IDFC FIRST Bank
Business Multiplier Credit Card
Annual Fee
₹1,180₹1,000 + GSTBase Reward
10% cashback
Foreign Markup
3.5% + GST
Welcome Benefits
10X Rewards on first transaction
Product Highlights
- 10X rewards on business expenses
- Zero forex charges
- 10X Rewards on business spends
- Lifetime Free
Category Rewards
Specialty
10 RP/₹200 on GST + tax payments
1.25%
Specialty
10 RP/₹200 on GST + tax payments
1.25%
Merchant-Specific Rewards
Amazon
10X Rewards
Flipkart
10X Rewards
Reward Calculator
Earns ₹170/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
5.4K
IDFC FIRST Reward Points
₹1.4K
via standard · ₹0.25/pt
Effective rate
0.70%
Annual fee
₹1,180
Year 1 net
+₹170
Year 2+ net
+₹170
ongoing
Adjust your spend by reward bucket
3 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
10 RP/₹200 on GST + tax payments
Headline: 1.25% effective
₹1,00,000 × 1.25% = ₹1,250 max reward/cycle
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
- High reward rate
- No forex charges
- No annual fee
Cons
- Limited information available
- Limited to business-related spends
Additional Info
Important note 1
Note 2
Max reward cap info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.5L+
Self-Emp
₹8.0L+
Networks