Business Max Credit Card

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.

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.

To be eligible for the Business Max Credit Card, you must meet the following criteria:

• Occupation - Businesses with registered GST
• 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.

No, you do not need a credit history or income proof to apply for the 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.

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

The Business Max Credit Card comes with zero joining and annual/renewal fees.

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.

The credit limit for your Business Max Credit Card will be 100% of your fixed deposit amount.

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

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.

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.

The Business Max Credit Card charges a low forex markup of just 1.5% on international transactions.

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.

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

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.

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.

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.

Reward Points not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals, Rental and Property Management transactions, Utility Spends.

Reward points will be valid for 24 months, giving you ample time to redeem them atyour convenience i.e. Reward Points earned from July 2026 statement cycle will be valid for 24 months from their respective transaction dates.

Yes, issue up to 5 add-on cards at ₹250 + GST each. To apply, click here