Business Multiplier
IDFC FIRST Bank · Credit card

Business Multiplier

A credit card from IDFC FIRST Bank. Facts below come from the issuer's own documents. Network: RuPay.

Business Multiplier card artwork
Annual fee
₹1,000
Fee waiver
Spend ₹5,00,000 a year
Rewards
  • Online GST and other tax transaction up to 10 Reward points for every online GST and other tax transaction

Benefits & rewards

Issuer information
Rewards
  • Online GST and other tax transaction up to 10 Reward points for every online GST and other tax transaction
Reward cap
The 10 Reward Points tier applies to transactions up to ₹1 lakh per month — transactions exceeding ₹1 lakh per month earn 5 Reward Points. This is a tier threshold, not a hard cap on all rewards.
Lounge access
Included
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹1,000
Joining fee
₹1,000
Fee waiver
Spend ₹5,00,000 in a year
Foreign purchases
0% markup on international spends
Eligibility
Income not disclosed
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against IDFC FIRST Bank's own pages. Only independently approved changes appear here.

  1. Eligibility
    Newly listed
    Businesses with registered GST; Create or link a minimum fixed deposit of ₹50,000

    Eligibility is now listed as Businesses with registered GST; Create or link a minimum fixed deposit of ₹50,000

    Verified 11 Sep 2026 · issuer page
  2. Fee waiver spend
    Newly listed
    ₹5,00,000

    Fee waiver spend is now listed as ₹5,00,000

    Verified 11 Sep 2026 · issuer page
  3. Foreign currency markup
    Changed
    3.5%0%

    Foreign currency markup changed from 3.5% to 0%

    Verified 11 Sep 2026 · previous value recorded 13 Aug 2026 · issuer page
  4. Reward cap
    Newly listed
    The 10 Reward Points tier applies to transactions up to ₹1 lakh per month; transactions exceeding ₹1 lakh per month earn 5 Reward Points. This is a tier threshold, not a hard cap on all rewards.

    Reward cap is now listed as The 10 Reward Points tier applies to transactions up to ₹1 lakh per month; transactions exceeding ₹1 lakh per month earn 5 Reward Points. This is a tier threshold, not a hard cap on all rewards.

    Verified 11 Sep 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.