IDFC FIRST Bank Business Max Credit Card

IDFC FIRST Bank · Open to apply

A lifetime-free business card against a fixed deposit of ₹10,000 or more, for GST-registered businesses. It pays 6 points per ₹200 (0.75%) on domestic online spends, including tax and GST, and 4 per ₹200 (0.5%) offline, with nothing on fuel, rent, utilities, insurance or international spends, and charges 12% a year on revolving balances.

Annual fee
Lifetime free
Joining fee
None
Base rate
Domestic offline purchases, 4 points per ₹200: 4 IDFC FIRST Bank reward points per ₹200 (about 0.5% at cash value)
Lounges
None on record
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Hotels booked in the IDFC FIRST app, 20% bonus points (30 points per ₹150): 30 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 5% at cash value)
  • Flights booked in the IDFC FIRST app, 10% bonus points (15 points per ₹150): 15 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 2.5% at cash value)
  • Domestic online purchases, 6 points per ₹200: 6 IDFC FIRST Bank reward points per ₹200 (about 0.75% at cash value)

Earns nothing on

  • No points on fuel, insurance, EMI, cash, rent and utilities
  • No points on foreign currency and international transactions

Where the sources disagree

  • Do points expire: The product guide (PDF modified 8 Sep 2026) says "Never-expiring reward points"; the product page FAQ says points earned from the July 2026 statement cycle are valid for 24 months. We use the page, which states the newer rule.

Terms the calculator does not value

  • From 26 October 2026 UPI payments above ₹2,000 made through the IDFC FIRST Bank app earn 3 points per ₹200 (0.375%); smaller payments and payments through other UPI apps earn 1. The issuer file has no payment route for the bank's own UPI, so only the 1-point rate is modelled.
  • A fuel fee is levied above ₹20,000 of fuel spend a statement cycle (business-card MITC); its rate is not stated for business cards (the retail MITC charges 1%). Not entered.
  • The product guide says there is "no utility surcharge up to ₹20,000 per month spends via the IDFC FIRST Bank app", which implies a fee above that or through other channels; the business-card MITC lists no utility fee. Not entered.
  • The bonus percentages on app travel bookings are read as points per rupee of spend (20% = 30 points per ₹150). If the bank meant a percentage of the base points, the bonus is far smaller.
  • No points for a billing cycle in which the minimum amount due is not paid by the due date (points already posted are reversed), and points earn only on spends up to the credit limit. The calculator assumes the bill is paid.

Sources

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