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View & track all your past and active service requests.

Raise a Request

Raise a Request

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Locate Us

Locate Us

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Locate your nearest IDFC FIRST Bank branches and ATMs

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Our customers are talking, and we think you’ll like what they’re saying.

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  • UPI-enabled
  • ₹0 Joining Fee​

Udyam Registered Users

Micro Enterprise Credit Card

Designed exclusively for Udyam-registered micro enterprises.

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What is the Micro Enterprise Credit Card?

The Micro Enterprise Credit Card is a Government of India-backed business credit card designed for Udyam-registered micro enterprises. Announced in Union Budget 2025-26 under the Credit Card Scheme for Micro Enterprises (CCME), this card gives small business owners fast, digital access to working capital with up to interest free credit period of up to 45 days.​

The card is on the RuPay network and is built strictly for business use. The Micro Enterprise Credit Card makes it easier for covering operational expenses, vendor payments, utility bills, and day-to-day business spends.

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All IDFC FIRST Bank Credit Cards now come with Zero Forex Markup

How to save more?​
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Key Features of Micro Enterprise Credit Card

Key Features of Micro Enterprise Credit Card

Exclusively for Business Spends icon

Exclusively for Business Spends

Earn up to 3 reward points on your regular business spends

Interest Rate icon

18% Interest Rate

Enjoy a competitive interest rate of 18% p.a. on balances carried beyond the due date

Activation Offer icon

Activation Offer

Earn 2,000 additional Reward Points on your 1st successful transaction of ₹500 or more, within 30 days of card setup

EMI on Large Purchases icon

EMI on Large Purchases

Convert transactions above ₹1500 into easy EMIs.

Fuel Surcharge Waiver Icon

Fuel Surcharge Waiver

Waiver up to ₹200 per month on fuel spends above ₹20,000.

Low Forex Markup icon

Zero forex markup

Save more with low forex charges of 0% on international spends

What Rewards Do You Earn
on the Micro Enterprise Credit Card?

Earn Rewards on Every Business Spend

3 reward points

3 reward points

on regular business spends

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3 reward points

3 reward points

on UPI transactions exceeding ₹2,000 via IDFC FIRST Bank Mobile App​

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1 Reward point

1 Reward point

on UPI transactions below ₹2,000, insurance, utility payments and other UPI apps​

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*Effective 26th October 2026, the reward point earning structure on UPI transactions will be revised as mentioned

Reward points are applicable for every ₹200 spent. 1 Reward Point = ₹0.25

Reward points are not earned on Fuel, Insurance, EMI transactions, Utility spends (base reward point), Rental and property management transactions, Cash withdrawals, Foreign Currency/International transactions.​

Fees and Charges

  • Joining fees

    ₹0

  • Annual Fees

    1% of the card limit
    or ₹1,000, whichever is lower

  • Processing Fee

    0.55% of card limit + GST

Click here to view the MITC.

Who is eligible for Micro Enterprise Credit Card?

Udyam-registered micro enterprises

Udyam-registered micro enterprises

How to Apply for the Micro Enterprise Credit Card

Step 1 Icon

Step 1

Apply on JanSamarth portal & select the CCME Scheme

Step 2 Icon

Step 2

Enter Business and Financial details

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Step 3

Submit the required documents

Step 4 Icon

Step 4

Select IDFC FIRST Bank as your banking partner

What Details Do You Need?

A Bank Relationship Manager (RM) will contact you for Business KYC and other documents

Udyam Registration Credentials

Udyam Registration Credentials

Aadhaar and PAN Number

Aadhaar and PAN Number

GST Registration no.

GST Registration no.

Bank account details

Bank account details

Frequently Asked Questions

Which businesses are eligible for the Micro Enterprise Credit Card?

All Udyam-registered micro enterprises that require short-term or ADHOC working capital financing, subject to IDFC FIRST Bank's credit assessment norms.

Is there a joining fee on the Micro Enterprise Credit Card?

No, there is no joining fee on the Micro Enterprise Credit Card.

Is there an annual fee on the Micro Enterprise Credit Card?

Yes, the annual fee is 1% of the credit limit at the card anniversary date or ₹1,000 + GST whichever is lower.

Is Udyam Registration Certificate a mandatory document to apply for Micro Enterprise Credit card?

Yes, Udyam Registration Number is required to register the application in the Udyam Portal.

What interest rate applies to the Micro Enterprise Credit Card?

Micro Enterprise Credit Card offers an interest rate of 1.5% per month. The interest rate is applicable only on revolving balances (the unpaid balance that is carried forward), i.e. if you choose to pay less than your total amount due but more than minimum amount due and carry over the balances, beyond your payment due date. 

What is the maximum credit limit on the Micro Enterprise Credit Card?

Your Micro Enterprise Credit Card comes with a credit limit of up to ₹5 lakh, based on the bank's underwriting criteria (approval process).

What is the billing cycle for the Micro Enterprise Credit Card?

The statement is generated on the 20th of every month.

What reward points do Udyam enterprises earn on this card?

Effective 26th October 2026, the reward point earning structure on UPI transactions will be revised asfollows:​

​Earn 3 Reward Points per ₹200 on UPI transactions above ₹2,000 made via the IDFC FIRST Bank mobileapp and regular business spends. For UPI transactions up to ₹2,000 or payments made through anyother UPI app, earn 1 Reward Point per ₹200 spent. Each Reward Point is valued at ₹0.25.​

What is the Activation Offer on Micro Enterprise Credit Card?

Complete at least one transaction of ₹500 or more within the first 30 days of card activation and earn 2,000 Reward Points worth ₹500.

Does the Micro Enterprise Credit Card offer a fuel surcharge waiver?

Yes, fuel surcharge is waived up to ₹200 per month on fuel spends exceeding ₹20,000 per statement cycle.

Does the Micro Enterprise Credit Card offer a utility surcharge waiver?

Yes, no utility surcharge on utility spends up to ₹20,000 per month when paid via the IDFC FIRST Bank app.

When will reward points be credited?

The reward points will get credited upon statement generation.​
If the Cardholder fails to pay at least the Minimum Amount Due by the Payment Due Date, reward points will not be applicable for that billing cycle.​
Any reward points credited for that cycle, if already posted, will be reversed.

How do I manage or track business expenses using the card?

You can track and manage spends through the IDFC FIRST Bank Mobile App, which allows you to view transactions in real time. Monthly statements further help organise and review expenses efficiently.

How can I pay tax using the Micro Enterprise Credit Card?

You can conveniently pay your GST or other eligible tax payments through the authorised government tax payment portals using your Micro Enterprise Credit Card. To know more, click here.

Is the UPI on Credit Card facility available on the Micro Enterprise Credit Card?

Yes, Micro Enterprise Credit Card is UPI ready. You can now scan UPI-enabled merchant QR codes and pay using your Micro Enterprise Credit Card.

The card can be linked to any UPI app, however, to earn cashback on UPI spends, please ensure to use IDFC FIRST Bank app.

Does the Micro Enterprise Credit Card allow cash withdrawals?

No. Cash withdrawal is strictly prohibited to ensure all payments remain fully digital.

Which merchant categories are blocked on the Micro Enterprise Credit Card?

Hotels, jewellery, gambling, cash withdrawals, and unrelated product categories such as white goods (unless the enterprise sells them).

Can Udyam enterprises use the Micro Enterprise Credit Card for international transactions?

The Micro Enterprise Credit Card provides ZERO forexmarkup. Spend without paying extra fees while travellingabroad as well as on international purchases made fromIndia.​”

Can Micro Enterprise Credit Card spends be converted into EMIs?

The Micro Enterprise Credit Card provides ZERO forex markup. Spend without paying extra fees while travelling abroad as well as on international purchases made from India.​

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