Skip to content
Compare Cards

IDFC First Bank

IDFC First Business Multiplier Credit Card

Best for business multipliers, growing benefits

₹1,000/yr annual fee

Visa

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Annual fee

₹1,000/yr

Reward rate

Not published

Min. income

₹2,00,000

Forex markup

Not published

Lounge access

None

Eligibility

₹2 lakh/yr · CIBIL 700+

Reward cap

₹1,500/month

Welcome benefit

Multiplier benefits on milestone spending

Who is this for

  • Business owner
  • Growing enterprise

What we like

  • 1.5% on business expenses
  • Milestone benefits

Watch out for

  • Rs 1,000 annual fee

Issuer

Bank

IDFC First Bank

Private sector bank

All IDFC First Bank cards →

Headquarters

Mumbai, Maharashtra

Established 2015

Website

www.idfcfirstbank.com

Network

Visa

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹1,000 Not waivable
Annual fee ₹1,000 Waived on Rs 4 lakh annual spend
Late payment ₹500 Not waivable

Rewards

Spend category Rate Cap Redemption
BUSINESS 1.50 ₹1,500/month 1.00
All spends 1.00 No cap 1.00

Benefits

  • Multiplier benefits Highlight

    1.5% cashback on business expenses

  • Growing rewards

    Multiplier benefits on milestone spending

  • Fuel surcharge waiver

    1% waiver on fuel transactions Rs 500-3,000

Eligibility

Age
21–65 years
Min. income
₹2,00,000
Min. credit score
700+
Score note
Good credit history
Employment
self-employed
Documents
PAN, Aadhaar, business proof, GST

IDFC First Business Multiplier Credit Card is a VISA credit card from IDFC First Bank. It is best suited for business multipliers, growing benefits.

Fees and rewards

  • Annual fee: Rs 1,000
  • Joining fee: Rs 1,000
  • Rewards: 1.5% on business expenses; 1% on all other purchases

Eligibility

PAN, Aadhaar, business proof, GST

Card data compiled from issuer published fee schedules. Status: active.

Apply for IDFC First Business Multiplier Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the IDFC First Business Multiplier Credit Card worth it?
IDFC First Business Multiplier Credit Card is a credit card issued by IDFC First Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the IDFC First Business Multiplier Credit Card?
IDFC First Business Multiplier Credit Card charges ₹1,000 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the IDFC First Business Multiplier Credit Card reward rate work?
IDFC First Business Multiplier Credit Card earns structured rewards that vary by spend category. Check the rewards tile on this page for the full multiplier schedule.

What are the eligibility requirements for the IDFC First Business Multiplier Credit Card?
To qualify for IDFC First Business Multiplier Credit Card, you typically need: minimum annual income ₹2,00,000; CIBIL score of 700+; self-employed only. The eligibility tile on this page has the full published criteria.

Does the IDFC First Business Multiplier Credit Card offer airport lounge access?
IDFC First Business Multiplier Credit Card does not publish complimentary airport lounge access as a benefit.

← All credit cards · All IDFC First Bank cards · All Visa cards

Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.

FinWiz24 may earn a commission from issuer referral links, at no extra cost to you. Our editorial content is independent and not influenced by compensation.