business

IDFC FIRST Micro Enterprise Credit Card

A dedicated credit card for Udyam-registered micro businesses with UPI rewards, low forex and a specialised business credit structure.

Annual Fee
1% of credit limit at card anniversary or โ‚น1,000+GST, whichever is lower
Rewards
3 RP/โ‚น200 regular business spends; 3 RP/โ‚น200 UPI >โ‚น2,000; 1 RP/โ‚น200 UPI โ‰คโ‚น2,000 and applicable insurance/utility transactions
Lounge Access
None advertised
Fuel Waiver
Up to โ‚น200/month on qualifying fuel spends exceeding โ‚น20,000 per statement cycle
Milestone
Not confirmed
Best For
Udyam-registered micro and small business owners
Welcome Offer
2,000 bonus RP on first successful transaction of โ‚น500+ within 30 days
Type
Business
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Description

The Micro Enterprise Credit Card is a specialised IDFC FIRST Bank business card for Udyam-registered MSMEs. It earns 3 reward points per โ‚น200 on regular eligible business spending and qualifying UPI transactions above โ‚น2,000, with 1 point per โ‚น200 on lower-value UPI and selected insurance/utility spends. Each reward point is worth โ‚น0.25. The card has a 2% forex markup and provides 2,000 activation bonus points after the first โ‚น500+ transaction within 30 days. Its annual fee is the lower of 1% of the credit limit at the anniversary date or โ‚น1,000+GST.

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