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IDFC FIRST Bank

Always You First

IDFC FIRST Bank is redefining banking with zero-fee philosophy, highest savings rates, and a truly digital-first experience. No hidden charges, ever.

1 Cr+ customers
Zero-fee banking philosophy
Up to 7.75% FD rates
IDFC FIRST Bank
IDFC FIRST Bank
4.0%
Savings Rate
₹0
Min Balance

Core Account Features

Account Type

Digital Zero Balance Account with full banking privileges

Minimum Balance

₹0 — Absolutely no penalties for maintaining zero balance

Interest Rate

Earn up to 4.00% p.a. on your savings, rates vary by balance

Account Types

IDFC FIRST Bank

Digital Savings

Savings A/c
Monthly deposit — In a single transaction — ₹0
Zero balance account — ✅
Annual Program Fees — ₹0
Digital Fund Transfer - NEFT/RTGS/IMPS — Free
Funding during a/c opening process — ₹2,000
Virtual Debit Card — Free
IDFC FIRST Bank

FIRST Savings

Savings A/c
Monthly deposit — In a single transaction — ₹0
Zero balance account — ✅
Annual Program Fees — ₹0
Digital Fund Transfer - NEFT/RTGS/IMPS — Free
Funding during a/c opening process — ₹2,000
Virtual Debit Card — Free
IDFC FIRST Bank

Current Account

Current A/c
Monthly deposit — Unlimited
Minimum balance — ₹25,000
Annual Program Fees — ₹0
NEFT/RTGS — Free
Cash deposit — Free at all branches
Business Debit Card — Free

Debit Cards

Virtual Debit Card

FREE and instantly available. Appears immediately in your mobile app for secure online shopping. No waiting, no delivery charges — start spending the moment your account is active.

Physical Debit Card

Available on request for ₹299 + GST annually. Premium physical card for in-store purchases and ATM withdrawals. Optional upgrade when you need tangible card access.

Shopping Benefits

SAVE

IDFC FIRST Reward Portal

Access frequent discounts and cashback offers across India's most popular platforms. The IDFC FIRST Rewards programme transforms your debit card into a savings powerhouse.

Amazon

Exclusive deals on electronics, fashion, and daily essentials

Flipkart

Special discounts during major sale events

Zomato

Regular cashback on food delivery orders

Not sure which bank is right for you?

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