Cards / IDFC FIRST

IDFC FIRSTBusiness Max

Business Max Credit Card

IDFC FIRST Bank · Business

Reviewed by Chandan Kumar Dash

Reward points on every ₹200 spent; 1 reward point = ₹0.25 (FD-backed).

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Joining fee

Free

Annual fee

Free

Waiver spend

–

Forex markup

0%

Fee waiver

No annual fee, so nothing to waive.

Recent changes

• 9 September 2026Better for you

  Forex markup cut to zero on all existing and new credit cards, and a planned stop to reward points on international spends was dropped.

  Source

• 18 June 2026Worse for you

  Movie benefits need Rs 20,000 spend in the previous month, and reward points are earned only on spends up to the credit limit.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 6 points per ₹200 on domestic online purchases
• 4 points per ₹200 on domestic in-store purchases

No rewards on fuel, insurance, international, rent, utilities.

Points

Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Who can apply

• Age 18+

For GST-registered businesses; secured against a fixed deposit of at least ₹10,000; no income proof needed

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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