FIRST Business Credit Card
Business expense management just got smarter
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.17% travel · 0.17% dining · 0.17% base.
You need around ₹48,971/month at this category mix to actually beat the fee. If your real spend is below that, look at a lifetime-free alternative.
vs Kotak Biz Edge Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for FIRST Business Credit Card holders
Frequently asked
Is the FIRST Business Credit Card worth the ₹999 fee?
It depends on your spend. The FIRST Business Credit Card earns 0.17% base reward. Use the break-even calculator above to see your specific number.
What is the eligibility for FIRST Business Credit Card?
IDFC First hasn't published a hard minimum income for FIRST Business Credit Card. Approval depends on credit score, existing relationship, and employment type.
What is the forex markup on FIRST Business Credit Card?
FIRST Business Credit Card charges 1.99% forex markup on international transactions.
Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.