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A Card that Powers your Savings & Lifestyle
IDFC FIRST Bank HPCL Credit Card
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Lifetime free Working capital needs Rewards
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Micro Enterprise Credit card
UPI-ready Udyam registered MSMEs
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Micro Enterprise Credit card
UPI-ready Udyam registered MSMEs
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Unlock features, exclusively available
only on the IDFC FIRST Bank app
What is the Micro Enterprise Credit Card?
The Micro Enterprise Credit Card is a Government of India-backed business credit card designed for Udyam-registered micro enterprises. Announced in Union Budget 2025-26 under the Credit Card Scheme for Micro Enterprises (CCME), this card gives small business owners fast, digital access to working capital with up to interest free credit period of up to 45 days.
The card is on the RuPay network and is built strictly for business use. The Micro Enterprise Credit Card makes it easier for covering operational expenses, vendor payments, utility bills, and day-to-day business spends.
Read moreKey Features of Micro Enterprise Credit Card
Exclusively for Business Spends
Earn up to 3 reward points on your regular business spends
18% Interest Rate
Enjoy a competitive interest rate of 18% p.a. on balances carried beyond the due date
Activation Offer
Earn 2,000 additional Reward Points on your 1st successful transaction of ₹500 or more, within 30 days of card setup
EMI on Large Purchases
Convert transactions above ₹1500 into easy EMIs.
Fuel Surcharge Waiver
Waiver up to ₹200 per month on fuel spends above ₹20,000.
Low Forex Markup
Save more with low forex charges of 2% on international spends
What Rewards Do You Earn
on the Micro Enterprise Credit Card?
Earn Rewards on Every Business Spend
3 reward points
on regular business spends
3 reward points
on UPI transactions above ₹2,000
1 Reward point
on UPI transactions below ₹2,000 and insurance & utility payments
Reward points are applicable for every ₹200 spent. 1 Reward Point = ₹0.25
Reward points are not earned on Fuel, Insurance, EMI transactions, Utility spends (base RP), Rental and property management transactions, and Cash withdrawals.
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 Micro Enterprise Credit Card to make UPI payments.
Tap.
Link.
Done.
Tap 'Link Now' to link and use your Micro Enterprise 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 Micro Enterprise Credit Card to make UPI payments.
Tap.
Link.
Done.
Tap 'Link Now' to link and use your Micro Enterprise 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 Micro Enterprise Credit Card to make UPI payments.
Tap.
Link.
Done.
Tap 'Link Now' to link and use your Micro Enterprise Credit Card on Paytm to make UPI payments.
Scan the QR code to open Paytm
Get the credit card at Zero Joining Fees
Annual Fees: 1% of the card limit or ₹1,000 + GST, whichever is lower
Processing Fee: 0.55% of card limit + GST
Who is eligible for Micro Enterprise Credit Card?
Udyam-registered micro enterprises
How to Apply for the Micro Enterprise Credit Card
Step 1
Apply on JanSamarth portal & select the CCME Scheme
Step 2
Enter Business and Financial details
Step 3
Submit the required documents
Step 4
Select IDFC FIRST Bank as your banking partner
What Details Do You Need?
A Bank Relationship Manager (RM) will contact you for Business KYC and other documents
Udyam Registration Credentials
Aadhaar and PAN Number
GST Registration no.
Bank account details
Frequently Asked Questions
All
Eligibility
Fees and Charges
Credit Limit and Billing
Rewards and Benefits
Transactions and Features
Which businesses are eligible for the Micro Enterprise Credit Card?
All Udyam-registered micro enterprises that require short-term or ADHOC working capital financing, subject to IDFC FIRST Bank's credit assessment norms.
Is there a joining fee on the Micro Enterprise Credit Card?
No, there is no joining fee on the Micro Enterprise Credit Card.
Is there an annual fee on the Micro Enterprise Credit Card?
Yes, the annual fee is 1% of the credit limit at the card anniversary date or ₹1,000 + GST whichever is lower.
Is Udyam Registration Certificate a mandatory document to apply for Micro Enterprise Credit card?
Yes, Udyam Registration Number is required to register the application in the Udyam Portal.
What interest rate applies to the Micro Enterprise Credit Card?
Micro Enterprise Credit Card offers an interest rate of 1.5% per month. The interest rate is applicable only on revolving balances (the unpaid balance that is carried forward), i.e. if you choose to pay less than your total amount due but more than minimum amount due and carry over the balances, beyond your payment due date.
What is the maximum credit limit on the Micro Enterprise Credit Card?
Your Micro Enterprise Credit Card comes with a credit limit of up to ₹5 lakh, based on the bank's underwriting criteria (approval process).
What is the billing cycle for the Micro Enterprise Credit Card?
The statement is generated on the 20th of every month.
What reward points do Udyam enterprises earn on this card?
3 reward points per ₹200 on regular business spends and UPI transactions above ₹2,000. On UPI transactions up to ₹2,000 earn 1 reward point per ₹200 spent. The value of 1 reward point is ₹0.25.
What is the Activation Offer on Micro Enterprise Credit Card?
Complete at least one transaction of ₹500 or more within the first 30 days of card activation and earn 2,000 Reward Points worth ₹500.
Does the Micro Enterprise Credit Card offer a fuel surcharge waiver?
Yes, fuel surcharge is waived up to ₹200 per month on fuel spends exceeding ₹20,000 per statement cycle.
Does the Micro Enterprise Credit Card offer a utility surcharge waiver?
Yes, no utility surcharge on utility spends up to ₹20,000 per month when paid via the IDFC FIRST Bank app.
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.
How do I manage or track business expenses using the card?
You can track and manage spends through the IDFC FIRST Bank Mobile App, which allows you to view transactions in real time. Monthly statements further help organise and review expenses efficiently.
How can I pay tax using the Micro Enterprise Credit Card?
You can conveniently pay your GST or other eligible tax payments through the authorised government tax payment portals using your Micro Enterprise Credit Card. To know more, click here.
Is the UPI on Credit Card facility available on the Micro Enterprise Credit Card?
Yes, Micro Enterprise Credit Card is UPI ready. You can now scan UPI-enabled merchant QR codes and pay using your Micro Enterprise Credit Card.
The card can be linked to any UPI app, however, to earn cashback on UPI spends, please ensure to use IDFC FIRST Bank app.
Does the Micro Enterprise Credit Card allow cash withdrawals?
No. Cash withdrawal is strictly prohibited to ensure all payments remain fully digital.
Which merchant categories are blocked on the Micro Enterprise Credit Card?
Hotels, jewellery, gambling, cash withdrawals, and unrelated product categories such as white goods (unless the enterprise sells them).
Can Udyam enterprises use the Micro Enterprise Credit Card for international transactions?
Yes, with a 2% forex markup and applicable GST.
Can Micro Enterprise Credit Card spends be converted into EMIs?
Yes. Transactions above ₹1500 can be converted into EMIs via POS, online, mobile app, internet banking, or branch.
