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A brand-new experience - smarter, faster, and secured
Introducing the First-in-industry IDFC FIRST Bank's Super Account
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You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
Know More- Account with Auto-Sweep FD
- Account for all Domestic businesses
- Account for Importers & Exporters
- Account for Start-ups
- Accounts for Trusts/Associations/Societies/Clubs
- Account for Merchants
- Account for Agri Traders
- Account for Self-employed professionals
- Special Purpose Accounts e.g. SNRR, RERA, EEFC
BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Streamline your export process with digital convenience with IDFC FIRST Bank's Export Solutions
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Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
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Enjoy Zero Charges on All Commonly Used Savings Account Services
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Explore Personal
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Tools & Calculators
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- Privilege Program
Unlock features, exclusively available
only on the IDFC FIRST Bank app
FIRST Business Credit Card,
Business expense management just got smarter
Joining Fee: ₹499 ₹999 + GST
Annual Fees (2nd year onwards): ₹999 + GST
We truly walk the talk
Designed with entrepreneurs like you in mind
This is not just a feel-good statement; we deliver solutions tailored for your business
Get the flexibility to
choose what works best for your business needs
Pay less interest
Interest rate*
Year 1 (Introductory Offer): 1.5% p.m.
Year 2 onwards: 2% p.m.
Industry average: 2% - 3% p.m.
-
Rewards on foreign currency transactions
-
Rewards on Business Utility & Digital Advertising
-
Rewards on Rentals, Restaurants & Utility
Earn high rewards
-
Rewards on foreign currency transactions
-
Rewards on Business Utility & Digital Advertising
-
Rewards on Rentals, Restaurants & Utility
Interest Rate: 3% p.m.
Fees applicable on
each Credit Card
₹499 ₹999 + GST
Joining Fees
₹999 + GST
Annual Fees
(2nd year onwards)
Activate 
at just ₹199
Joining and Annual fee (2nd year onwards) of just ₹199 + GST
-
Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
-
Earn up to 3X reward points on your spends
Benefits
Easy cash management
- Affordable EMI options starting as low as 1.5% p.m.
- Single view of your business expenses
- Make secure digital payments
Simplify expense management
- Access interest-free credit for 45 days
- Get employee cards for seamless business payments
- Receive comprehensive annualized statements
Get added benefits on Flights and Hotel Bookings
- Unlock Rewards Upto 32X on booking through IDFC FIRST Bank Mobile app
- 32X Reward Points on Hotel Bookings
22X Reward Points on Flight Bookings
T&C apply
Elevate your travel
- Low forex mark-up at just 1.99%
- 2 complimentary airport lounge visits per quarter*
- Personal and travel insurance cover of up to ₹10 Lakh
*For more information refer to FAQs
To know more about Insurance coverages click here
FAQs
-
How do I apply for a FIRST Business Credit Card?
Simply reach out to your Relationship Manager with IDFC FIRST Bank and share a few details about your business. If you are pre-qualified for the FIRST Business Credit Card, they will guide you through a 3-step digital application process.
-
Is there a Joining/ Membership/ Annual fee on the FIRST Business Credit Card?
Yes. The card comes with a Joining Fee (1st year) of ₹499 + GST and an Annual Fee (2nd year onwards) of ₹999 + GST
-
What are the criteria for getting a FIRST Business Credit Card? Who can apply for a FIRST Business Credit Card?
The FIRST Business Credit Card is a perfect partner in business expense management for those who are Self-Employed or have a business. However, eligibility is also based on your credit history and relationship with the bank. Please visit a branch near you or reach out to your Relationship Manager to check if you are pre-approved.
-
I already hold an IDFC FIRST Bank Credit Card, will I be able to apply for the FIRST Business Credit Card?
In case you already have another IDFC FIRST Credit Card, you can check if you are eligible for the FIRST Business Credit Card by contacting your Relationship Manager or visiting your nearest branch. Alternatively, you can also apply for an FD backed FIRST Business Credit Card. Please reach out to your Relationship Manager or visit a branch near you.
-
Do I need a Current Account for a FIRST Business Credit Card?
No. Having Current account with IDFC FIRST Bank is not a requirement. However, with our Current Account we offer you best in class holistic Banking solutions including cash & expense management.
-
Which FIRST Business Credit Card Variant is right for me?
Choose between two variants* of the FIRST Business Credit Card:
Variant 1: With Low Interest Rate (APR) – starting at 1.5% p.m.
If your business needs instant working capital, more flexibility in payment and cash-flow management solutions, this card is for you!
Variant 2 – With higher rewards on business expenses – up to 10X never expiring Reward Points
If your business incurs higher expenses, in rent & utilities, and if you regularly spend on digital advertising or make payments in foreign currency this is the card for you!
-
What is the interest rate levied on delay / non-payment of dues on the FIRST Business Credit Card?
If you choose the Low Interest Rate variant, you get the following interest rates.
- Year 1 (Introductory Offer): 1.5% p.m.
- Year 2 onwards: 2% p.m. (lower than industry average)
If you choose High Reward Points Variant, you get an Interest Rate of 3% p.m.
For both variants, on paying any amount less than Minimum amount due interest will be charged at Monthly Rate 3.99% Annual Rate 47.88% -
How many Reward Points do I get with the FIRST Business Credit Card?
If you choose the Low Interest Variant, you enjoy the following Reward Points
5X Reward Points on business spends in foreign currency transactions
2X Reward Points on business utility & digital advertising
1X Reward Points on rentals, restaurants & utility
If you choose the High Reward Points Variant, you enjoy the following Reward Points
10X Reward Points on business spends in foreign currency transactions
4X Reward Points on business utility & digital advertising
2X Reward Points on rentals, restaurants & utility
-
Are there any charges or limitations for redemption of Reward Points?
No. There are no charges for redemption of Reward points. Reward Points are never expiring and can be redeemed at any time.
-
Can I use my credit card to withdraw cash at an ATM?
Yes you can. You can withdraw cash up to 10% of the total Credit Limit.
Cash withdrawal charges = ₹199 + GST for each instance
-
How does the FIRST Business Credit Card help me manage my business expenses?
With the FIRST Business Credit Card you get
- A 45-day Interest free credit period. This is instant working capital for your business.
- A single view dashboard and annualised statements that help closely monitor your expenses and keep track of budgets.
- Option to get multiple cards for your employees/directors with individual credit limits and the option of Balance Transfer.
- An option to convert outstanding about to EMIs with Interest as low as 1.5% p.m -
How many cards can be issued to employees / company staff? How do I manage expenses, Credit Limit, etc. for multiple cards?
There is no limit on the number of cards, as long as they collectively do not exceed the overall Credit Limit given to the Corporate/ Business.
-
Do I get complimentary airport lounge access with the FIRST Business Credit Card? How can I avail these benefits?
Yes. You get access to 2 international and/or domestic Airport Lounges per quarter on minimum spends of ₹20,000 on the previous month.
-
What is the Forex mark-up fees on the FIRST Business Credit Card? If my business has a lot of expenses in foreign currencies, how can I benefit with the FIRST Business Credit Card?
You get a low forex markup of 1.99%. This rate is very low compared to the market rates, which is generally around 3-3.5%. You can also benefit from your business spends in foreign currency with up to 10X Reward Points. (depending on the variant chosen)
-
Does the FIRST Business Credit Card offer any complimentary insurance?
Absolutely! You get the following insurance benefits with the FIRST Business Credit Card
- Free Road Side Assistance worth ₹1,499
- Personal Accident Cover of ₹10,00,000 on doing at least one transaction in the previous month
- Insurance Cover of ₹50,000 each on Lost card liability, Credit Shield and Purchase Protection
- Travel Insurance for
a. Loss of Checked-In Baggage - USD 500
b. Delay of Checked-In Baggage -USD 100
c. Loss of Passport and other documents - USD 300
d. Delay in Flight- USD 300
e. Air Accident Cover of ₹1,00,00,000
Simply reach out to your Relationship Manager with IDFC FIRST Bank and share a few details about your business. If you are pre-qualified for the FIRST Business Credit Card, they will guide you through a 3-step digital application process.
Yes. The card comes with a Joining Fee (1st year) of ₹499 + GST and an Annual Fee (2nd year onwards) of ₹999 + GST
The FIRST Business Credit Card is a perfect partner in business expense management for those who are Self-Employed or have a business. However, eligibility is also based on your credit history and relationship with the bank. Please visit a branch near you or reach out to your Relationship Manager to check if you are pre-approved.
In case you already have another IDFC FIRST Credit Card, you can check if you are eligible for the FIRST Business Credit Card by contacting your Relationship Manager or visiting your nearest branch. Alternatively, you can also apply for an FD backed FIRST Business Credit Card. Please reach out to your Relationship Manager or visit a branch near you.
No. Having Current account with IDFC FIRST Bank is not a requirement. However, with our Current Account we offer you best in class holistic Banking solutions including cash & expense management.
Choose between two variants* of the FIRST Business Credit Card:
Variant 1: With Low Interest Rate (APR) – starting at 1.5% p.m.
If your business needs instant working capital, more flexibility in payment and cash-flow management solutions, this card is for you!
Variant 2 – With higher rewards on business expenses – up to 10X never expiring Reward Points
If your business incurs higher expenses, in rent & utilities, and if you regularly spend on digital advertising or make payments in foreign currency this is the card for you!
If you choose the Low Interest Rate variant, you get the following interest rates.
- Year 1 (Introductory Offer): 1.5% p.m.
- Year 2 onwards: 2% p.m. (lower than industry average)
If you choose High Reward Points Variant, you get an Interest Rate of 3% p.m.
For both variants, on paying any amount less than Minimum amount due interest will be charged at Monthly Rate 3.99% Annual Rate 47.88%
If you choose the Low Interest Variant, you enjoy the following Reward Points
5X Reward Points on business spends in foreign currency transactions
2X Reward Points on business utility & digital advertising
1X Reward Points on rentals, restaurants & utility
If you choose the High Reward Points Variant, you enjoy the following Reward Points
10X Reward Points on business spends in foreign currency transactions
4X Reward Points on business utility & digital advertising
2X Reward Points on rentals, restaurants & utility
No. There are no charges for redemption of Reward points. Reward Points are never expiring and can be redeemed at any time.
Yes you can. You can withdraw cash up to 10% of the total Credit Limit.
Cash withdrawal charges = ₹199 + GST for each instance
With the FIRST Business Credit Card you get
- A 45-day Interest free credit period. This is instant working capital for your business.
- A single view dashboard and annualised statements that help closely monitor your expenses and keep track of budgets.
- Option to get multiple cards for your employees/directors with individual credit limits and the option of Balance Transfer.
- An option to convert outstanding about to EMIs with Interest as low as 1.5% p.m
There is no limit on the number of cards, as long as they collectively do not exceed the overall Credit Limit given to the Corporate/ Business.
Yes. You get access to 2 international and/or domestic Airport Lounges per quarter on minimum spends of ₹20,000 on the previous month.
You get a low forex markup of 1.99%. This rate is very low compared to the market rates, which is generally around 3-3.5%. You can also benefit from your business spends in foreign currency with up to 10X Reward Points. (depending on the variant chosen)
Absolutely! You get the following insurance benefits with the FIRST Business Credit Card
- Free Road Side Assistance worth ₹1,499
- Personal Accident Cover of ₹10,00,000 on doing at least one transaction in the previous month
- Insurance Cover of ₹50,000 each on Lost card liability, Credit Shield and Purchase Protection
- Travel Insurance for
a. Loss of Checked-In Baggage - USD 500
b. Delay of Checked-In Baggage -USD 100
c. Loss of Passport and other documents - USD 300
d. Delay in Flight- USD 300
e. Air Accident Cover of ₹1,00,00,000
