In order to be able to get a template that has all of the features that you need, you can use an online service. There are many of these out there. Some of these sites will even allow you to print off a card on your computer.
Most templates for Indesign Business Card Size include the ability to change the line height, color, and margins. In most cases, you will only be able to change the text. However, some templates come with fonts that are pre_programmed, meaning that you will have the ability to select different fonts.