IDFC FIRST Business Max Credit Card
Fees
₹1,499 + Taxes
Joining & annual
Reward Rate
6 Reward Points per ₹200 on domestic online spends; 4 points per ₹200 offline; up to 3 points on UPI
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
No Lounge Access
Recent changes
Our Expert Take
The IDFC FIRST Business Max Credit Card from IDFC FIRST Bank offers Business Vendor Payments & Commercial Spends with an annual fee of ₹1,499 + Taxes.
Pros & Cons
Key Advantages
- 6 Reward Points per ₹200 on domestic online spends
- Up to 45 interest-free days plus EMI conversion on purchases above ₹1,500
- Zero forex markup on international spends
- Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)
Limitations
- FD-backed card requires a minimum ₹10,000 fixed deposit
- Offline spends earn a reduced 4 points per ₹200
- Finance charges of 12% per annum apply on revolving balances
Key Perks & Spending Milestones
Accelerated reward earn rate on rewards purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹2.5 Lakh annual retail spends
Fees & Charges
Joining fee
₹1,499 + Taxes
Annual fee
₹1,499 + Taxes
Annual fee waived on ₹2.5 Lakh annual retail spends
Interest rate
3.5% per month (42% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on IDFC FIRST Business Max?
Does IDFC FIRST Business Max offer lounge access?
Is IDFC FIRST Business Max FD-backed?
Compare IDFC FIRST Business Max Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Business Max Credit Card This Card | ₹1,499 + Taxes | 6 Reward Points per ₹200 on domestic online spends; 4 points per... | No Lounge Access | 4.4/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |