Micro Enterprise Credit Card
IDFC FIRST Bank · Business
Government-backed card for Udyam-registered micro enterprises; annual fee is 1% of limit or ₹1,000, whichever is lower.
- 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.
- 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.
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.
Who can apply
Udyam-registered micro enterprises, applying through the JanSamarth portal (CCME scheme)
Published minimums. Approval is the bank's decision.
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 2026.10.04.
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