Tide Business RuPay Expense Card
A lifetime free business prepaid card with 1.5% cashback and integrated automated expense management.
Overview
The Tide Expense Card is a digital-first business prepaid card aimed at helping small merchants, independent freelancers, and MSMEs streamline corporate tracking. Operated entirely through the Tide Business India app, it eliminates traditional expense report paperwork, tracks vendor invoices, and automates employee allowance structures while generating direct cashback on retail operations.
Features & Benefits
Joining & Renewal Benefits
Joining Bonus: ₹25 direct bank cash. Just Use Referral Code: SK1500.
Lifetime free card with zero recurring maintenance charges.
Cashback & Rewards
- • 1.5% direct cashback on business expenditures, supplier purchases, and retail transactions settled after reloading the main wallet balance.
- • High-volume enterprise spenders can opt into enhanced point matrices and targeted promotional tier rewards based on active usage trends.
- • Dedicated tax-compliant sub-wallets such as Meal Wallets, Fuel Wallets, or Telecom Wallets can be loaded by employers.
- • Transactions at designated merchant categories automatically draw from the respective sub-wallet first based on MCC.
The 1.5% cashback flows directly back into the active card balance to offset future business operational expenditures with zero redemption processing delays.
Lifestyle Benefits
- • BookMyShow BOGO: Buy 1 Get 1 Free movie ticket offer up to ₹200 off on minimum transaction value of ₹500, valid once per user every calendar month.
- • District App BOGO: Up to ₹200 instant discount on the second movie ticket booking, accessible once every calendar month.
- • Instant app controls to lock, unlock, freeze, block, or change transaction sub-limits for virtual and physical cards.
- • GST Invoice Generator to create professional, compliant digital invoices instantly.
- • Receipt Importer to scan and upload receipts and match proofs to digital transaction logs.
- • Compliance registration guidance for MSME, Udyam, and GST filings.
1% fuel surcharge waiver across domestic petrol stations on eligible limits when tracking through active merchant structures.
Fees & Charges
- • 100% lifetime free with no hidden activation bills or annual maintenance fees.
- • 1.5% flat return for a business prepaid/wallet structure.
- • No credit history required, making it accessible to new entrepreneurs, startups, and thin-file users.
- • Advanced administration controls help track company-wide field expenses and set custom spending caps for team cards.
- • Upfront joining cash incentive of ₹225 on minimal first-time wallet deposit using referral code SK1500.
- • It is not a credit card, so funds must be preloaded before transactions and there is no interest-free credit cycle.
- • Strict wallet balance cap of ₹2 lakh may limit large inventory or hardware purchases.
- • Lacks premium travel lifestyle privileges like complimentary airport lounge entries.
- • Peer-to-peer personal balance transfers (P2P).
- • Direct wallet-to-bank transfers or cash extractions are restricted or may incur platform processing fees.
- • Specific tax-exempt sub-wallets cannot be interchanged with the core balance.
Businesses can seamlessly order and distribute multiple corporate expense cards for team members or field staff, assigning customized spending limits to each seat directly from the central app.
- • Small business owners, MSMEs, Kirana shop owners, startups, or independent freelancers.
- • Requires a valid PAN and completing a fully digital Video KYC (VKYC) inside the mobile app.
- • Requires an active Android or iOS smartphone.
- • Maximum balance limit: the card balance cannot exceed ₹2,00,000 at any single point in time.
- • Cumulative monthly spend limit: up to ₹50,00,000 per month.
- • Contactless/Tap-to-Pay enabled for fast PIN-less transactions up to ₹5,000.