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IDFC First Bank

IDFC First Business Credit Card

Best for business expenses

₹1,200/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

₹1,200/yr

Reward rate

Not published

Min. income

₹2,50,000

Forex markup

Not published

Lounge access

None

Eligibility

₹2.50 lakh/yr · CIBIL 700+

Reward cap

₹2,000/month

Welcome benefit

None beyond the reward rate

Who is this for

  • Business owner
  • Corporate spender

What we like

  • 2% on business expenses
  • 1% on everything

Watch out for

  • Rs 1,200 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 ₹1,200 Not waivable
Annual fee ₹1,200 Waived on Rs 5 lakh annual spend
Late payment ₹500 Not waivable

Rewards

Spend category Rate Cap Redemption
BUSINESS 2.00 ₹2,000/month 1.00
All spends 1.00 No cap 1.00

Benefits

  • Business expense benefits Highlight

    2% cashback on business expenses

  • Fuel surcharge waiver

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

  • Insurance cover

    Basic accidental insurance cover

Eligibility

Age
21–65 years
Min. income
₹2,50,000
Min. credit score
700+
Score note
Good credit history
Employment
self-employed
Documents
PAN, business registration, ITR

IDFC First Business Credit Card is a VISA credit card from IDFC First Bank. It is best suited for business expenses.

Fees and rewards

  • Annual fee: Rs 1,200
  • Joining fee: Rs 1,200
  • Rewards: 2% cashback on business expenses; 1% on all other purchases

Eligibility

PAN, business registration, ITR

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

Apply for IDFC First Business 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 Credit Card worth it?
IDFC First Business 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 Credit Card?
IDFC First Business Credit Card charges ₹1,200 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 Credit Card reward rate work?
IDFC First Business 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 Credit Card?
To qualify for IDFC First Business Credit Card, you typically need: minimum annual income ₹2,50,000; CIBIL score of 700+; self-employed only. The eligibility tile on this page has the full published criteria.

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

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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.

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