Credit Cards for Small Business - IDBI Bank SME Credit Card


IDBI Bank’s LUCC Scheme is for the existing borrowers belonging to micro and small individual units, retail traders, artisans and village industries, professionals and self employed, whose dealings with the Bank have been satisfactory for the last three years.

Eligible Segments

All existing customers having a satisfactory dealing with the Bank for the last 3 years


Only working capital in the form of Overdraft/ Open Cash Credit


To meet the credit requirements of the borrowers mentioned above

Loan Amount

Maximum of Rs. 10 lakhs per borrower

Tenor / Validity

Repayment on demand, however limit would be valid for a period of 3 years


Interest Rate linked to Bank Base Rate and Rating.


Hypothecation of stock in trade, receivables, machinery, office equipment etc., as specified for existing limits