This is perfect way of designing a product and avoid misuse. Unlike idiots from Axis who waited for ppl to misuse the card and then penalized even honest customers, IDFC have essentially blocked all business spends and have not impacted any normal users. No normal user has more than 20K in utility bills every month.
Perfect way of product management !!
borderline cutoff.. utilities include many categories incl electricity, TV, Phone and others .. so for a family there maybe many who will cross it.. Tight one.. Not all will be business spends for many.. but not bad.. some logic used by IDFC..