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Your business, powered by Business Max credit card.
Business Max Credit Card is a low interest business credit card designed for entrepreneurs and growing businesses. It helps you manage everyday business expenses with UPI payments, attractive reward points on online spends, EMI options, and a 100% cash withdrawal limit. Backed by a fixed deposit, the card offers guaranteed approval. Enjoy all the perks of a credit card while building your credit score, with zero joining and annual fees.
Read moreFeatures that mean business
Low-cost funds for business
Enjoy a low interest rate of 12% p.a. on balances carried beyond the due date*.
More time to pay bills
Enjoy up to 45 days of interest-free period, helping you optimise working capital cycle.
Business travel made rewarding
Get up to 33% bonus reward points on flight and hotel bookings via the Bank app.
Rewards on GST and Tax Payments
Get up to 6 Reward Points on mandatory business payments, including GST and Taxes.
UPI-readiness from day one
Pay your vendors via UPI and earn up to 3 Reward Points on eligible transactions.
Get the Max edge for your business
Why choose the Business Max Credit Card
Approval? 100% guaranteed
Get an assured credit card backed by a fixed deposit. Your FD continues to earn interest while you enjoy the perks.
Add-on cards for your team
Get up to five add-on cards at ₹250 each to seamlessly manage multiple business expenses with unified tracking
One card for all business payments
Sort your business payments and earn rewards on them. Get up to 6 reward points on everything on online, offline and UPI transactions.
Big spends? Convert to EMI
Convert transactions above ₹1,500 into convenient EMIs for better cash flow management
Quick cash when your business needs it
Withdraw up to 100% of your credit limit as cash whenever you need
Go global with low forex spends
Save more on your international spends with a low forex markup of just 1.5%
Earn rewards that
keep up with your business spends
Earn Reward Points across online, offline, and UPI transactions
6 reward points
on domestic online purchases
4 reward points
on domestic offline purchases
Up to 3 reward points
on UPI transactions above ₹2,000
1 reward point
on UPI transaction below ₹2,000 and insurance & utility payments
Reward points are applicable for every ₹200 spent. 1 Reward Point = ₹0.25
Earn Max rewards on business trips.
Get more value every time your business takes off
33%
Bonus Reward Points
on hotel bookings
20%
Bonus Reward Points
on flight bookings
Reward points are over and above the regular reward points, calculated as per every ₹150 spent. Applicable only on eligible flight and hotel bookings made via the Bank app
UPI payments? You’re already set.
Once issued, your Credit Card can be used instantly for UPI Scan & Pay via the IDFC FIRST Bank Mobile App.
Add the credit card in other preferred UPI apps and pay seamlessly
Scan.
Link.
Done.
Scan the given QR code with your phone to link and use your Business Max Credit Card to make UPI payments.
Tap.
Link.
Done.
Tap 'Link Now' to link and use your Business Max Credit Card on PhonePe to make UPI payments.
Scan the QR code to open PhonePe
Scan.
Link.
Done.
Scan the given QR code with your phone to link and use your Business Max Credit Card to make UPI payments.
Tap.
Link.
Done.
Tap 'Link Now' to link and use your Business Max Credit Card on Google Pay to make UPI payments.
Scan the QR code to open Google Pay
Scan.
Link.
Done.
Scan the given QR code with your phone to link and use your Business Max Credit Card to make UPI payments.
Tap.
Link.
Done.
Tap 'Link Now' to link and use your Business Max Credit Card on Paytm to make UPI payments.
Scan the QR code to open Paytm
Get the credit card at zero fees and charges.
Business Max is a lifetime free business credit card with no joining and annual fees.
Who can get the Business Max credit card?
Eligibility criteria for the Business Max Credit Card
18+ years of age
Self-employed individuals or
Sole proprietors
How to Apply for the Business Multiplier Credit Card
Step 1
Enter PAN, Aadhaar & GST number
Step 2
FD is created online
Step 3
Video KYC
Step 4
Virtual card issued instantly
What you’ll need to apply
Documents and essentials required for the Business Max credit card
Aadhaar number
Physical PAN Card for video KYC
Registered GST number
Minimum Fixed Deposit of ₹10,000
One Powerful Credit Card.
Built for Every Business.
Art On Tote
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Home Dough
Home Dough
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Hand&Herb
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Home Dough
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Full Control at Your Fingertip:Enable or disable usage, set limits, block or unblock card
Statement and Transactions: View limits, track spends and download statements effortlessly
Convenient Repayments: Quick repayments, easy EMIs and instant loan on cards
All-in-One Card Services: Bonus Rewards on travel bookings, add- on/referral services, card replacement/reissue
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Frequently Asked Questions
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Fees & Charges
Eligibility
Application and KYC
Credit Limit and FD
Benefits & Features
Rewards Program
Add-on Cards
Who is the Business Max Credit Card designed for?
The Business Max Credit Card is designed for entrepreneurs and growing businesses looking for a reliable payment solution. It is well-suited for those evaluating the best business credit cards to manage everyday business expenses with greater control and convenience.
What can I use a Business Max Credit Card for?
The Business Max Credit Card can be used for a wide range of business expenses such as GST and tax payments, vendor and supplier payments, SaaS tools, digital advertising (Google, Meta, etc.), subscriptions, business travel (flights, hotels, cabs), office supplies, cloud services, and other day-to-day operational costs. By routing your regular business spends through the card, you can manage cash flow more efficiently while earning rewards on eligible transactions—helping keep your business growing.
What is the eligibility criteria to apply for Business Max Credit Card?
To be eligible for the Business Max Credit Card, you must meet the following criteria:
- Occupation - Proprietorship
- PAN, Aadhaar and GST Number
- Have to make a minimum Fixed Deposit (FD) of ₹10,000 in the journey.
Note: The Bank reserves the right to issue a Credit Card to the applicant based on an assessment of his/her credentials. The final decision is at the Bank’s sole discretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting above credit card criteria.
Do I require a credit history or income proof to apply?
No, you do not need a credit history or income proof to apply for the Business Max Credit Card.
Is GST a mandatory requirement to apply for Business Max Credit Card?
Yes, an active GST number is a mandatory to apply for Business Max Credit Card. Applicants without a registered and active GST number will not be eligible to apply for this card.
How can I apply for the Business Max credit card?
The Digital Do-It-Yourself journey is here. Enter your details (PAN, Aadhaar, GST no) > Create your fixed deposit > Complete your KYC process > Your Business Max Credit Card is ready! Apply Now
What is the joining and annual/renewal fee for the Business Max Credit Card?
The Business Max Credit Card comes with zero joining and annual/renewal fees.
What are the benefits of having a credit card against a Fixed Deposit (FD)?
Business Max Credit Card is issued against a fixed deposit of minimum ₹10,000. To determine the credit limit, a fixed deposit is required to be created. Upon successful creation of the FD, a lien will be marked on 100% of the FD value. Once completed, the FD will be linked to the Business Max Credit Card and the credit limit will be set accordingly.
- No income proof required: You can obtain the card without submitting formal income proof, making it suitable for proprietors who may not have standard income documentation readily available.
- Helps build credit history: Using the credit card regularly and paying off the outstanding dues on time will help create a good credit history and credit score.
- Earn interest on fixed deposit: You continue to earn interest on their fixed deposits, while enjoying interest free credit for up to 45 days.
What will be my credit limit?
The credit limit for your Business Max Credit Card will be 100% of your fixed deposit amount.
How can I increase the limit of my credit card?
You can apply for a Business Max Credit Card with a maximum limit of ₹1 lakh through the application journey.
Once the card is issued, you can login to IDFC FIRST Bank mobile app - Go to credit card section - Select - Business Max credit Card - Click on Increase Limit -book additional Fixed Deposits (FDs) to further increase your card limit
What are the benefits of increasing a limit?
Improved credit score: Your credit score is calculated based on several factors including your credit utilization ratio. By increasing your credit cards’ credit limit, you can increase your available credit and improve your credit score if your spends don’t increase. Increased purchasing power and cash flow requirements: A higher credit card limit provides greater purchasing flexibility for business-related expenses.
What is the interest rate on my credit card?
With Business Max Credit Card, you enjoy a flat 12% per annum interest rate which comes to 1% monthly. Usually, other credit cards charge as high as 43.8% per annum interest rate.
What is the forex markup fee on international transactions?
The Business Max Credit Card charges a low forex markup of just 1.5% on international transactions.
Is the UPI on Credit Card facility available on the Business Max Credit Card?
Yes, Business Max Credit Card is UPI ready. You can now scan UPI-enabled merchant QR codes and pay using your Business Max Credit Card. The card can be linked to any UPI app.
How can I pay tax using the Business Max Credit Card?
You can conveniently pay your GST or other eligible tax payments through the authorised government tax payment portals using your Business Max Credit Card. To know more, click here
How do I manage or track business expenses using the card?
You can track and manage spends through the IDFC FIRST Bank Mobile Banking App, which allows you to view transactions in real time. Monthly statements further help organise and review expenses efficiently.
Can I convert high-value business purchases into EMIs using this card?
Yes, high-value business purchases can be effectively converted into affordable EMIs with the Business Max Credit Card. You can use the EMI facility through Point-Of-Sale terminals, online platforms, IDFC FIRST Bank Mobile Banking App, internet banking, or any other bank channels.
When will Reward Points be credited?
The reward points will get credited upon statement generation. If the Cardholder fails to pay at least the Minimum Amount Due by the Payment Due Date, Reward Points will not be applicable for that billing cycle. Any Reward Points credited for that cycle, if already posted, will be reversed.
Are there exclusions for Reward Points?
Reward Points not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals, Rental and Property Management transactions, Utility Spends.
Is there an expiry date on the Reward Points accrued on my card?
There is NO expiry date on the Reward Points accrued on your Business Max Bank Credit Card. Your Reward Points are evergreen.
Is there an add-on card available on Business Max Credit Card?
Yes, issue up to 5 add-on cards at ₹250 + GST each. To apply, click here
