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Micro Enterprise Credit Card

IDFC FIRST Bank · Business

Reviewed by Chandan Kumar Dash

Government-backed card for Udyam-registered micro enterprises; annual fee is 1% of limit or ₹1,000, whichever is lower.

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Joining fee

Free

Annual fee

₹1,000

Waiver spend

–

Forex markup

0%

Fee waiver

No spend-based waiver listed by the bank.

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

• 3 points per ₹200 on regular business spends

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

Points

Reward Points, worth about ₹0.25 each on the usual redemption.

Work out what your points are worth

Who can apply

Udyam-registered micro enterprises, applying through the JanSamarth portal (CCME scheme)

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

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

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

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