India's most rewarding corporate card for growing businesses.
Earn ₹2,50,000 back on every ₹1 Crore you spend on ads, SaaS, and global payments. In your company's name.
Get your card now →
IDFC FIRST Bank issued
India's most rewarding corporate card for growing businesses.
Earn ₹2,50,000 back on every ₹1 Crore you spend on ads, SaaS, and global payments. In your company's name.
Get your card now →
IDFC FIRST Bank issued
10×
Rewards on Intl. ads, SaaS & vendor payments
₹2.5L
Max earning per ₹1 Crore spend
1.99%
FX markup + GST on foreign spend
₹10L
Personal & travel insurance cover
10×
Rewards on Intl. ads, SaaS & vendor payments
₹2.5L
1.99%
₹10L
Max earning per ₹1 Crore spend
FX markup + GST on foreign spend
Personal & travel insurance cover
01 — Reward rates
A single card. Three reward tiers.
Higher multipliers where your spend concentrates. Every rupee earns with no limits.
CATEGORY
EXAMPLES
REWARD RATE
4×
Biz utility & domestic ads
Utilities, domestic platforms, telcos
₹1,00,000
10×
Intl. forex, SaaS & ads
Meta, Google, AWS, Figma, Stripe
₹2,50,000
2×
Travel & rentals
Hotels, flights, cabs, car rentals
₹50,000
1 reward point = ₹0.25. Redeemable on IDFC partner platforms. No cap on earning.
EARNINGS PER ₹1 CR
01 — Reward rates
CATEGORY
EXAMPLES
REWARD RATE
4×
Biz utility & domestic ads
Utilities, domestic platforms, telcos
₹1,00,000
10×
Intl. forex, SaaS & ads
Meta, Google, AWS, Figma, Stripe
₹2,50,000
EARNINGS PER ₹1 CR
2×
Travel & rentals
Hotels, flights, cabs, car rentals
₹50,000
1 reward point = ₹0.25. Redeemable on IDFC partner platforms. No cap on earning.
A single card. Three reward tiers.
Higher multipliers where your spend concentrates. Every rupee earns with no limits.
02 — Rewards calculator
See what you'd earn, down to the rupee.
Drag the sliders to match your monthly spend by category. Numbers update live.
02 — Rewards calculator
See what you'd earn, down to the rupee.
Drag the sliders to match your monthly spend by category. Numbers update live.
Spend controls
Set per-card and per-employee limits. Daily, monthly, or per-transaction — enforced automatically.
MCC-level blocking
Block merchant categories outright — using official MCC codes. Out-of-policy spend never happens.
Airport lounge access
2 complimentary domestic lounge visits every quarter. Across 20+ airports in India.
Insurance cover
Personal accident & travel cover up to ₹10 Lakh for the primary cardholder.
Low FX markup
1.99% + GST on international transactions — one of the lowest among Indian corporate cards.
ERP sync
Tally, Zoho, Oracle — every transaction auto-synced daily, with GST fields pre-filled.
GST compliant
Issued in company name. Full input tax credit eligible. Clean audit trail, every swipe.
Physical card
Issue both. Virtual cards instantly, physical cards shipped within 5 business days.
Multi-card issuance
One card per employee. One dashboard for finance. Issue, freeze, reissue — in seconds.
Full controls, clean accounting, and global coverage — without bolting on another tool.
Built like the card, run like software.
03 — Everything on one card
MCC-level blocking
Block merchant categories outright — using official MCC codes. Out-of-policy spend never happens.
Airport lounge access
2 complimentary domestic lounge visits every quarter. Across 20+ airports in India.
GST compliant
Issued in company name. Full input tax credit eligible. Clean audit trail, every swipe.
Spend controls
Set per-card and per-employee limits. Daily, monthly, or per-transaction — enforced automatically.
ERP sync
Tally, Zoho, Oracle — every transaction auto-synced daily, with GST fields pre-filled.
Low FX markup
1.99% + GST on international transactions — one of the lowest among Indian corporate cards.
03 — Everything on one card
Built like the card,
run like software.
Full controls, clean accounting, and global coverage — without bolting on another tool.
04 — Compared
How Pazy compares.
Against the typical corporate card and the default founder habit of swiping personal plastic for business spend.
Feature
Pazy Corporate Credit Card
Other corporate credit cards
Personal credit card
Reward rate on ads & SaaS
✓ Up to 10×
0.5%–1% cashback
1–2% personal points
Rewards on ₹1 Crore spend
₹5,000 – ₹10,000
₹10,000 – ₹20,000
FX markup
1.99% + GST
2.5% – 3.5% + GST
3% – 3.5% + GST
GST input credit
✓ Full company name
✓ Full company name
✕ Not eligible
Issued in company name
✓ Yes
✓ Yes
✕ No
Spend controls & MCC blocks
✓ Yes - per card
! Limited or none
✕ None
ERP integration
✓ Yes - daily sync
✕ No
✕ No
Lounge access
2 visits / quarter
Varies
Varies
Joining / annual fee
₹499 / ₹999
₹0 – ₹5,000+
₹500 – ₹10,000+
Personal CIBIL impact
Audit & compliance
✓ None
✓ None
✓ Clean
✕ Yes - damages score
✕ Compliance risk
✓ Clean
Up to ₹2,50,000
Comparison based on publicly available information. Reward rates may vary by card variant and spend category.
04 — Compared
Comparison based on publicly available information. Reward rates may vary by card variant and spend category.
Against the typical corporate card and the default founder habit of swiping personal plastic for business spend.
How Pazy compares.
Feature
Pazy Corporate Credit Card
Other corporate credit cards
Personal credit card
Reward rate on ads & SaaS
✓ Up to 10×
0.5%–1% cashback
1–2% personal points
Rewards on ₹1 Crore spend
Up to ₹2,50,000
₹5,000 – ₹10,000
₹10,000 – ₹20,000
FX markup
1.99% + GST
2.5% – 3.5% + GST
3% – 3.5% + GST
GST input credit
✓ Full company name
✓ Full company name
✕ Not eligible
Issued in company name
✓ Yes
✓ Yes
✕ No
Spend controls & MCC blocks
✓ Yes - per card
! Limited or none
✕ None
ERP integration
✓ Yes - daily sync
✕ No
✕ No
Lounge access
2 visits / quarter
Varies
Varies
Joining / annual fee
₹499 / ₹999
₹0 – ₹5,000+
₹500 – ₹10,000+
Personal CIBIL impact
Audit & compliance
✓ None
✓ None
✓ Clean
✕ Yes - damages score
✕ Compliance risk
✓ Clean
05 — From finance teams
Numbers talk. Founders do too.
Our SaaS and ad spends were just expenses before. With the 10× rewards on Pazy, we're recovering ₹2+ lakhs a year on spend we were already doing. It's free money.
RM
Rahul Menon
CFO · SaaS Startup (Series B)
We were paying 2.5% on every international SaaS payment. Switching to Pazy saved us ₹4+ lakhs a year on forex alone before counting the 10× rewards on top.
AK
Aarav Kapoor
Head of Finance · D2C Brand
We went with the FD-backed route. Our ₹25 lakh FD earns interest while the team spends on the credit card. No other card gave us that option.
SK
Suresh Kanna
Finance Manager · Pratilipi
05 — From finance teams
Numbers talk. Founders do too.
Our SaaS and ad spends were just expenses before. With the 10× rewards on Pazy, we're recovering ₹2+ lakhs a year on spend we were already doing. It's free money.
RM
Rahul Menon
CFO · SaaS Startup (Series B)
We were paying 2.5% on every international SaaS payment. Switching to Pazy saved us ₹4+ lakhs a year on forex alone before counting the 10× rewards on top.
AK
Aarav Kapoor
Head of Finance · D2C Brand
We went with the FD-backed route. Our ₹25 lakh FD earns interest while the team spends on the credit card. No other card gave us that option.
SK
Suresh Kanna
Finance Manager · Pratilipi
FAQ
Frequently asked questions
Everything you need to know about getting started with Pazy Credit Cards.
How is this different from other business credit cards?
Most cards offer flat rewards/cashback — often as platform credits locked into one vendor's ecosystem. Pazy offers up to 10X tiered rewards (₹2.5L per ₹1Cr), redeemable on IDFC platform or during any digital payment. Plus 1.99% FX (vs 2.5-3% industry standard) and ₹10L insurance included.
What's the minimum FD for the FD-backed card?
₹2 Lakh. Your FD earns interest while you get a credit limit matched to your deposit.
Can I get credit without an FD?
Yes. IDFC First Bank can extend up to ₹2 Crore unsecured, based on your business profile.
How do the 10X rewards work?
2X on travel/utilities, 4X on ads/business tools, 10X on international forex, SaaS, and vendor payments. Redeemable on IDFC platforms — not locked into any vendor.
What's the FX markup?
1.99% + GST. On ₹1Cr international spend, you save ₹51,000 vs a 2.5% card.
Are there fees?
₹499 joining (Year 1), ₹999/year after. With ₹2.5L rewards per crore, the card pays for itself on the first transaction.
Can I issue cards for my team?
Yes — unlimited cards with individual limits and MCC controls, all from one dashboard.
How is this different from other business credit cards?
Most cards offer flat rewards/cashback — often as platform credits locked into one vendor's ecosystem. Pazy offers up to 10X tiered rewards (₹2.5L per ₹1Cr), redeemable on IDFC platform or during any digital payment. Plus 1.99% FX (vs 2.5-3% industry standard) and ₹10L insurance included.
What's the minimum FD for the FD-backed card?
₹2 Lakh. Your FD earns interest while you get a credit limit matched to your deposit.
Can I get credit without an FD?
Yes. IDFC First Bank can extend up to ₹2 Crore unsecured, based on your business profile.
How do the 10X rewards work?
2X on travel/utilities, 4X on ads/business tools, 10X on international forex, SaaS, and vendor payments. Redeemable on IDFC platforms — not locked into any vendor.
What's the FX markup?
1.99% + GST. On ₹1Cr international spend, you save ₹51,000 vs a 2.5% card.
Are there fees?
₹499 joining (Year 1), ₹999/year after. With ₹2.5L rewards per crore, the card pays for itself on the first transaction.
Can I issue cards for my team?
Yes — unlimited cards with individual limits and MCC controls, all from one dashboard.
FAQ
Frequently asked questions
Everything you need to know about getting started with Pazy Credit Cards.
Work smarter, not harder with Pazy
Start automating tasks today and give your team more time to focus on what matters.
Work smarter, not harder with Pazy
Start automating tasks today and give your team more time to focus on what matters.
Work smarter, not harder with Pazy
Start automating tasks today and give your team more time to focus on what matters.