What are the key features of the IDFC FIRST Bank Business Credit Card?

The IDFC FIRST Bank Business Credit Card offers dual variants (low interest or high rewards), comprehensive insurance, lounge access, and efficient expense management tools.

What are the joining and annual fees for the IDFC FIRST Bank Business Credit Card?

The IDFC FIRST Bank Business Credit Card has an introductory joining fee of ₹499 + GST, with a standard annual fee of ₹999 + GST from the second year.

How do the reward points work with the IDFC FIRST Bank Business Credit Card?

The IDFC FIRST Bank Business Credit Card offers non-expiring reward points, valued at ₹0.25/point, with zero redemption charges and no minimums.

Does the IDFC FIRST Bank Business Credit Card offer airport lounge access?

Yes, the IDFC FIRST Bank Business Credit Card provides 2 complimentary domestic/international lounge visits per quarter, with a ₹20,000 monthly spend.

What is the foreign currency markup on the IDFC FIRST Bank Business Credit Card?

The IDFC FIRST Bank Business Credit Card features a competitive foreign currency markup of just 1.99% on international transactions.

Can I issue supplementary cards with the IDFC FIRST Bank Business Credit Card?

Yes, the IDFC FIRST Bank Business Credit Card allows multiple employee cards with individual limits, with no fixed limit on the number.

What are the interest rates on the IDFC FIRST Bank Business Credit Card?

Interest rates on the IDFC FIRST Bank Business Credit Card start from 1.5% p.m. for the low-interest variant, up to 3% for high rewards, and 3.99% for delays.

Is an interest-free credit period available with the IDFC FIRST Bank Business Credit Card?

Yes, the IDFC FIRST Bank Business Credit Card provides an interest-free credit period of up to 45 days.

Who is the IDFC FIRST Bank Business Credit Card best suited for?

The IDFC FIRST Bank Business Credit Card is ideal for self-employed individuals and business owners managing business expenses, particularly in travel, international spends, and utilities.

IDFC FIRST Bank

IDFC FIRST Bank Business Credit Card

Q: What insurance benefits are included with the IDFC FIRST Bank Business Credit Card?

The IDFC FIRST Bank Business Credit Card includes personal accident, lost card, credit shield, purchase protection, travel insurance, and roadside assistance.

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Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn up to 10X Reward Points on foreign currency, 4X on business utility & digital advertising.

Reward Type

Reward Points

Reward Redemption

Redeem non-expiring Reward Points at ₹0.25/point with zero charges and no minimums.

Domestic Lounge Access

2 complimentary domestic lounge visits per quarter, on minimum monthly spend of ₹20,000.

International Lounge Access

2 complimentary international lounge visits per quarter, on minimum monthly spend of ₹20,000.

Premium Benefits

Not Applicable

Insurance Coverage

Personal accident, lost card, credit shield, purchase protection, travel insurance, RSA.

Movie

Not Applicable

Dining

Earn 1X/2X Reward Points on restaurant spends.

Travel Benefits

Up to 32X Reward Points on hotels and 22X on flights via app, plus comprehensive travel insurance.

What matters, explained clearly

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Frequently Asked Questions

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