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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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Unlock features, exclusively available
only on the IDFC FIRST Bank app
A Premium Metal Business Credit Card
The Business Multiplier Credit Card blends premium metal craftsmanship with higher rewards and exclusive travel privileges, helping businesses maximise value from every transaction.
Read moreA World of Benefits,
Built Around Your Business Needs
12% Annual
Interest Rate
Enjoy a low APR designed to reduce interest costs on your business spending.
Multiple add-on cards
Get up to five add-on cards at just ₹250 each for seamless and efficient business expense management.
Extended Credit
Period for Business
Get up to 45 days of interest-free period, helping you optimise working capital cycle.
A Credit Card That
Powers Your Business
100% Guaranteed Approval
Get assured access to a premium metal credit card backed
with fixed
deposit to give you uninterrupted interest earnings on FD and rewards on
business spends.
Higher Value on Your Spends
Earn up to 10 reward points across categories, plus up to
33% additional reward points on travel bookings via the Bank app.
Zero Forex markup
Zero forex charges on your essential business payments
and the international business travel
Complimentary
Airport lounge access
Unlock 1 domestic and 1 international lounge
access per quarter on spend of ₹20,000 in the previous month
Click here to check the lounge list
Complimentary UPI-ready Credit Card
Pay via UPI using your complimentary
FIRST Digital Credit Card and earn up to 3 reward points
Reward Points Multiplied on Your Business Payments
10 Reward Points
on transactions up to ₹1 lakh per month
5 Reward Points
on transactions exceeding ₹1 lakh per month
3 Reward Points*
on UPI transactions exceeding ₹2,000
1 Reward Point*
on UPI transactions below ₹2,000 utility and insurance
Reward points are applicable for every ₹200 spent. 1 Reward Point = ₹0.25
*3 and 1 Reward points will be earned for transactions made via complimentary FIRST Digital Credit Card
Accelerated rewards on
business travel
Multiply every move and elevate your business journey with extra rewards
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
Your Complimentary, UPI-ready Credit Card
Once issued, your complimentary FIRST Digital 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 to given QR code to link your complimentary FIRST Digital Credit Card and start making UPI payments.
Tap.
Link.
Done.
Tap 'Link Now' to link and use complimentary FIRST Digital Credit Card on PhonePe to make UPI payments.
Scan the QR code to open PhonePe
Scan.
Link.
Done.
Scan to given QR code to link your complimentary FIRST Digital Credit Card and start making UPI payments.
Tap.
Link.
Done.
Tap 'Link Now' to link and use complimentary FIRST Digital Credit Card on Google Pay to make UPI payments.
Scan the QR code to open Google Pay
Scan.
Link.
Done.
Scan to given QR code to link your complimentary FIRST Digital Credit Card and start making UPI payments.
Tap.
Link.
Done.
Tap 'Link Now' to link and use complimentary FIRST Digital Credit Card on Paytm to make UPI payments.
Scan the QR code to open Paytm
Fees and charges
-
Joining Fees
₹1,000 + GST
-
Annual Fees
₹1,000 + GST -
Waived off on ₹5L annual spends
Click here to view the MITC.
Apply Online for the Business Multiplier Credit Card
Eligibility Criteria
Self employed individuals or Sole proprietors
Create or link a minimum fixed deposit of ₹50,000
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
Documents Required
Aadhaar number
Physical PAN Card for video KYC
Registered GST number
Full Control at Your Fingertips: 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
#1 Mobile banking app in India
Business Multiplier Credit Card – FAQ
All
Benefits & Features
Fees & Charges
Eligibility & Application
FD-backed
Credit Limit
Complimentary FIRST Digital
Rewards
International payments
Who is the Business Multiplier Credit Card designed for?
The Business Multiplier Credit Card is designed for businesses looking for a premium credit card with a host of benefits. It is one of the best business credit cards, which not only streamlines payments but also unlocks premium benefits on everyday business spends.
What can I use a Business Multiplier Credit Card for?
The Business Multiplier 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.
Are there any joining and annual renewal fees for the Business Multiplier Credit Card?
The Business Multiplier Credit Card has a joining and annual fee of ₹1,000 + GST. However, the annual fee is reversed if you spend ₹5 lakh or more in a year.
What is the annual fee waiver condition for Business Multiplier Credit Card?
Annual fee of ₹1000 + GST will be waived for your Business Multiplier Credit Card if your total eligible spends in a card anniversary year reaches ₹5 lakhs and above.
What is the eligibility criteria to apply for a Business Multiplier Credit Card?
To be eligible for the Business Multiplier Credit Card, you must meet the following criteria:
• Occupation -Proprietorship
• PAN, Aadhaar and GST Number
• Have to make a minimum Fixed Deposit (FD) of ₹50,000 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 Multiplier Credit Card.
Is GST a mandatory requirement to apply for Business Multiplier Credit Card?
Yes, an active GST number is a mandatory to apply for Business Multiplier 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 Multiplier 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 Multiplier Credit Card is ready! Apply Now
What are the benefits of having a credit card against a Fixed Deposit (FD)?
Business Multiplier Credit Card is issued against a fixed deposit of minimum ₹50,000. 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 Multiplier 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 Multiplier Credit Card will be 100% of your fixed deposit amount.
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 forex markup fee on international transactions?
Most credit cards charge up to 3.5% as forex markup on every international transaction. With the Business Multiplier Credit Card, you enjoy 0% forex markup helping you save these charges and pay seamlessly for spends abroad as well as international purchases made from India.
What is the interest rate on my credit card?
With Business Multiplier Credit Card, you enjoy 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.
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 Multiplier 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.
How can I pay tax using the Business Multiplier Credit Card?
You can conveniently pay your GST or other eligible tax payments through the authorised government tax payment portals using your Business Multiplier Credit Card. To know more, click here
Is there a way to track and control the spends?
The IDFC FIRST Bank Mobile Banking App helps you track and control business expenses incurred using the Business Multiplier Credit Card. You can monitor business spends in real-time through the app. The monthly credit card statements also make tracking business expenses easy.
Does the card provide travel or lounge access benefits?
Yes, the Business Multiplier Credit Card offers domestic (once a quarter) and international (once a quarter) airport lounge access on spending ₹20,000 or more in the previous calendar month. There is also a Cancellation for Any Reason (CFAR) insurance coverage of up to ₹25,000, which covers cancellation charges incurred on flight and hotel bookings. You can make up to two cancellation claims in a year.
Why have I received a DreamFolks card?
You have received the DreamFolks card to access global airport lounge benefits available with your Business Multiplier Credit Card. This card is issued only to facilitate international lounge access and does not carry any additional charges.
What is a FIRST Digital Credit Card?
The FIRST Digital Credit Card is a UPI enabled, digital only credit card, which comes complimentary with your Business Multiplier credit card.
Do I need to pay extra for the FIRST Digital Credit Card that comes with the Business Multiplier Credit Card?
No, you don’t need to pay anything extra. The FIRST Digital Credit Card is issued in a complimentary manner along with your Business Multiplier Credit Card. It’s linked to the same account and allows you to make UPI payments with ease, without any additional charges.
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 Multiplier Bank Credit Card. Your Reward Points are evergreen.
Is there an add-on card available on Business Multiplier Credit Card?
Yes, issue up to 5 add-on cards at ₹250 + GST each, to apply, click here
