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.
In order to be able to get a template, you need to have a basic knowledge of how to use Microsoft Word. You can find lots of templates online that you can read through until you are familiar with them. Once you are familiar with the program, you can download a template.