Supporting Udyam-registered micro enterprises with accessible business credit solutions, digital financial services, and opportunities for growth.
The Micro Enterprise Credit Card (CCME) is a government-backed business card providing Udyam-registered micro enterprises with up to ₹10 lakh in fast, digital working capital]
Get a credit limit of up to ₹10 Lakh (₹10,00,000), based on issuer underwriting.
Enjoy 0% interest on eligible business credit transactions, subject to applicable terms.
Issued on the RuPay network, offering convenient digital payment solutions for businesses.
No joining fee for early users. Annual fees are capped at 1% of the limit or ₹1,000, whichever is lower.
Designed exclusively for core business and operational expenses. Personal spending is not permitted.
Applicants must have a valid Udyam Registration Certificate with 'Micro' classification, meeting the applicable investment limit of up to ₹1 crore and turnover limit of up to ₹5 crore.
Applicants must maintain an active bank account, valid PAN, and GSTIN wherever applicable.
Applicants must satisfy the internal credit assessment and risk management standards of the issuing bank.
Explore available credit card offerings and apply digitally through participating platforms or visit eligible public and private sector banks with your Udyam Registration and basic KYC documents.
Explore Digital Platforms
Check available credit card offerings and
apply digitally through participating platforms.
Visit Participating Banks
Visit public or private sector banks such as
SBI, IDFC FIRST Bank, or Bank of Baroda/BOBCARD
with your Udyam Registration and basic KYC documents.
Check Your Eligibility
Your business must have a valid Udyam Registration
Certificate classified under the Micro Enterprise
category, subject to the applicable scheme terms
and bank credit assessment.
Get in Touch
Tell us which bank you currently use for your
business and your annual business turnover to
explore relevant credit card options.