IDFC Micro Enterprise Credit Card

Welcome Benefits

Get 2,000 additional Reward Points on your Micro Enterprise Credit Card by making your first successful transaction of ₹500 or more within 30 days of card setup. This offer allows new cardholders to earn extra rewards right from the beginning and make the most of their card benefits.

Reward Rate

• 3 reward points for every ₹200 spent on regular business spends.
• 3 reward points for every ₹200 spent on UPI transactions above ₹2,000.
• 1 reward point for every ₹200 spent on UPI transactions below ₹2,000, insurance payments, and utility bill payments.
• 1 Reward Point = ₹0.25.

Exclusions

Reward points are not earned on the given categories:

• Fuel
• Insurance
• EMI Transactions
• Utility Spends (Base RP)
• Rental and Property Management Transactions
• Cash Withdrawals

Convert Purchases into Easy EMIs

Convert your purchases above ₹1,500 into easy monthly EMIs. Instead of paying the entire amount at once, you can spread the cost over convenient monthly installments, making it easier to manage your expenses while maintaining your cash flow.

Fuel Surcharge Waiver

Save more on your fuel expenses with a fuel surcharge waiver of up to ₹200 per month on fuel spends above ₹20,000.

Low Forex Markup

Enjoy lower costs on international transactions with a low forex markup of just 2%. Whether you’re traveling abroad or making purchases in foreign currencies, this feature helps reduce currency conversion charges, making your international spending more affordable.

Who Should Apply for the Micro Enterprise Credit Card?

The Micro Enterprise Credit Card is an ideal choice for small business owners, entrepreneurs, traders, and self-employed professionals who want to manage their day-to-day business expenses more efficiently. Whether you own a retail shop, operate a service-based business, or run a growing micro enterprise, this card provides convenient access to credit while helping you earn rewards on eligible business spending. With benefits such as reward points, EMI conversion, a fuel surcharge waiver, and a low forex markup, the card is well-suited for business owners looking to optimize cash flow, simplify payments, and maximize savings on regular business transactions.

Steps to Apply for the Micro Enterprise Credit Card

To apply for the Micro Enterprise Credit Card, follow the steps given below:

Step 1: Visit the JanSamarth Portal and select the Credit Scheme for Micro Enterprises (CCME) to begin your application.

Step 2: Provide your business information, financial details, and other required information in the application form.

Step 3: Submit all the necessary documents, such as identity proof, business proof, income details, and any other required documents for verification.

Step 4: Choose IDFC FIRST Bank as your preferred banking partner to complete your Micro Enterprise Credit Card application.

Bottom Line

The Micro Enterprise Credit Card meets the everyday financial needs of small business owners. It helps you manage regular business expenses without putting pressure on your working capital, allowing you to make payments when needed while keeping your cash flow under control.

One of the key advantages of this card is its rewarding spending structure. You can earn reward points on eligible business purchases and UPI transactions, helping you get more value from your everyday spending. In addition, the card offers useful features such as a fuel surcharge waiver, the option to convert eligible purchases into easy EMIs, and a low forex markup on international transactions. These benefits make it easier to manage business expenses while reducing overall costs.

Whether you own a retail shop, run a service-based business, or operate a growing micro enterprise, this card provides a convenient way to handle business payments and enjoy savings on eligible transactions. It is a practical choice for entrepreneurs looking for a business credit card that combines flexibility, rewards, and cost-effective features.