cards / mid / idfc-first-business-multiplier
IDFC FIRSTUnknownmid-tier

Business Multiplier Credit Card

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 1,000/yr
joining fee₹ 1,000
base earn rate0.13 / ₹100
rewards inReward Points
forex markup0%

✓ best for

Flights & Hotels

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else0.13 / ₹100
Flights & Hotels17.5 / ₹100

benefits & perks

Complimentary Airport lounge access

Unlock 1 domestic and 1 international lounge access per quarter on spend of ₹20,000 in the previous month

unlocks at ₹ 20,000/yr

Comprehensive Travel protection~₹ 25,000/yr

Get comprehensive travel insurance coverage of up to ₹25,000 on hotel and flight cancellations, up to two times per year.

Savings on fuel~₹ 400/yr

Get a fuel surcharge waiver up to ₹400 per statement cycle.

Roadside assistance~₹ 1,399/yr

Get 24/7 roadside assistance cover of up to ₹1,399, four times every year.

run your spend profileto see this card's value for you.