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View & track all your past and active service requests.

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Locate your nearest IDFC FIRST Bank branches and ATMs

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FIRST Symphony – Where Startups Meet Opportunity

A curated platform where founders engage directly with IDFC FIRST Bank’s senior leaders, validate real use cases, and unlock enterprise scale growth.

Apply Now Nominate Portfolio
Apply Now Nominate Portfolio

Overview

FIRST Symphony is more than a program — it’s a movement.

A curated platform where startups engage directly with IDFC FIRST Bank’s business units, discover anchor customer opportunities, and co develop solutions that matter.

Read more

FIRST Symphony is more than a program — it’s a movement. A curated platform where startups engage directly with IDFC FIRST Bank’s business units, discover anchor customer opportunities, and co develop solutions that matter.

Read less

FIRST Symphony Enables

Access to the Bank’s ecosystem

Credit Cards, Treasury, Digital Solutions, Consumer Durables, Rural Banking, 2W Loans, HR Ops, CX, and more.

Customer discovery

Identify enterprise use-cases and potential anchor customers inside the Bank.

Innovation in action

Test, iterate, and refine your solution with real-world feedback.

Enterprise-ready growth

Gain visibility and credibility with leadership advocacy.

The Story So Far -
Collaborations That Matter

May 1, 2025

1

FIRST Symphony × Blume Ventures

A landmark edition with 13 curated startups, pitched directly to the Bank’s senior leadership, exploring anchor adoption, distribution partnerships, and co innovation.

Jan 15, 2025

2

FIRST Symphony × 3one4 Capital

Inaugural session with six startups across Fintech, Agritech & Cleantech; functional participation from Credit Cards, Treasury, 2W Loans, Rural Banking & HR Ops.

Nov 16, 2025

3

FIRST Symphony × IIMA Ventures

Hosted FI Labs startups — Kosh, Finarkein Analytics, Whrrl — to evaluate inclusion and agri finance innovations and explore partnership opportunities.

Oct 1, 2024

4

FIRST Symphony × Campus Fund

University led deeptech and frontier tech: Digantara, Sarla Aviation, Serendipity Space, Machfly Aerospace, EtherealX, and more.

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How Startups Participate

  • VC Backed Startups
  • Direct Startups
  • 1

    Partner-Led Entry

    You are invited through your VC partner for a Symphony edition.

  • 2

    Pitch to Leadership

    You present in a curated room with the MD and senior leadership across relevant business functions.

  • 3

    Move Forward, Faster

    On the spot discovery and next step alignment (NDA/POC) are facilitated by the program team.

  • 1

    Get Started

    Submit your application via Apply Now.

  • 2

    Expert Review

    The FIRST Symphony program team reviews your case one‑on‑one to assess fit and readiness.

  • 3

    Strategic Pathways

    If suitable, you are routed internally to the most relevant team(s) for opportunities as anchor customer, distributor, or partner (and, where applicable, debt solutions).

  • 4

    Next-Stage Consideration

    You may be considered for a future curated edition once readiness is established.

Ways We Support

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Anchor Customer

The Bank adopts and scales your solution as a core enterprise user.

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Distributor

We distribute your proposition to our customer base where appropriate.

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Partner

We co‑create, integrate, or jointly take solutions to market.

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Debt Provider

Where suitable, we evaluate debt solutions tailored to your stage and business model.

Support pathways are determined collaboratively during and after Symphony sessions, and may include NDAs, POCs, policy/system changes, and staged go‑lives.

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Testimonials

Amazing Credit Card

I’ve never seen a bank do this. The mentoring, the structure, the visibility—it’s everything a founder needs

Bhargavi R

CleverNAV

Phenomenal Program!

The structure of this program is phenomenal. Every step is outcome-driven. It helped us polish our pitch and connect with the right investors.”

Varun Singhi

PropFTX

Exceptionally Fast Service

This program is a blessing for first-time founders. It helped me refine my pitch and gave me the confidence to present.”

Nikhil

Space N Ocean

Amazing Credit Card

I’ve never seen a bank do this. The mentoring, the structure, the visibility—it’s everything a founder needs

Bhargavi R

CleverNAV

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Testimonials

Amazing Credit Card

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Jane Doe

Phenomenal Program!

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Jane Doe

Exceptionally Fast Service

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Jane Doe

Amazing Credit Card

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Jane Doe

Amazing Credit Card

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Jane Doe

Amazing Credit Card

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Jane Doe

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What our customers say

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures

FIRSTWINGS by IDFC FIRST BANK

Meaningful partnerships drive innovation forward.

  • - Ashish fafadia, Blume Ventures
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Why Join
FIRST Symphony?

Direct access

To 10–15 senior decision makers in a single forum

Real business use cases

To validate your product

Visibility & credibility

With a trusted, innovation driven bank

A collaborative culture

That values agility, experimentation, and impact

Apply or Nominate

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Apply (Direct Startup)

Share your use case, traction, references. Our team will reach out for a discovery conversation.

Apply Now
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Nominate Portfolio (VC/Accelerator)

Submit 5–15 portfolio startups with short notes on problem/solution, stage, and objectives.

Nominate Now

Need Help? Send us an email at startup.banking@idfcfirstbank.com or visit your nearest IDFC FIRST Bank branch.

Frequently Asked Questions

Is the interest earned on the FIRST Global Savings Account taxable in India?

No, the interest earned on the FIRST Global Savings Account is currently not taxable in India, as per the prevailing regulations applicable. However, taxation may apply in your country of residence, and it is advisable to consult a tax advisor for jurisdiction-specific implications.

Are there any minimum balance requirements for the Global Savings Account?

No, the interest earned on the FIRST Global Savings Account is currently not taxable in India, as per the prevailing regulations applicable. However, taxation may apply in your country of residence, and it is advisable to consult a tax advisor for jurisdiction-specific implications.

Can I transfer funds from my NRE/NRO account to the FIRST Global Savings Account and vice versa?

No, the interest earned on the FIRST Global Savings Account is currently not taxable in India, as per the prevailing regulations applicable. However, taxation may apply in your country of residence, and it is advisable to consult a tax advisor for jurisdiction-specific implications.

How can I add a nominee to the GIFT City deposit?

No, the interest earned on the FIRST Global Savings Account is currently not taxable in India, as per the prevailing regulations applicable. However, taxation may apply in your country of residence, and it is advisable to consult a tax advisor for jurisdiction-specific implications.

What does my credit score need to be?

Yes. You will earn:

  1. 10 reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday.
  2. 5 reward points on spends up to ₹20,000 in a statement cycle.
  3. 3 reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions. 1 reward point on utilities and insurance transactions. Spends in these categories will not be considered for the 10X monthly milestone.
  4. Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.
  5. 1 reward point is given for every ₹150 spent in a transaction. Value of 1 reward point is ₹0.25.

Why should you apply for a Credit Card at IDFC FIRST Bank?

Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee and Charges. Only those transactions which are settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited after the next statement generation.

What is a Credit Card limit?

The Ashva Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card remains active.

What should I do when my Credit Card is lost?

The Ashva Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above. For brand offers, you can visit the offers website

What are the things you must know before applying for a credit card?

The Ashva Credit Card offers one of the lowest forex markups in the industry at just 1%. Spend seamlessly while travelling abroad as well as on international purchases made from India.

What are the dos and don’ts while using a credit card?

Yes, Ashva Credit Card offers:

  1. 4 complimentary visits per quarter to lounges and spas at airport terminals in India.
  2. 2 complimentary visits per quarter to lounges at foreign airports

The lounge benefit can be availed in the next calendar month on spending ₹20,000 or more in the current calendar month.

Use your credit card to access Indian airport lounges and the Dreamfolks Card to access spas and lounges at Indian and overseas airport terminals.

You can also book airport lounge and spa by clicking here.

I already have a credit card. Can I apply for another one?

You can activate your 1 Lounge/Spa benefit for the next calendar month by spending ₹20,000 or more in the current calendar month.
E.g. Meet spend criteria between 1st to 31st March to activate the benefit in April. To know how to book an airport lounge online, click here.

Can I avail of golf benefits on the Ashva Credit Card?

Yes. You can avail up to 2 rounds/lessons in a month. Each round/lesson is unlocked for every ₹20,000 spent in the previous statement cycle.

Can I use my credit card to withdraw cash at an ATM?

Yes, you can! All ATM cash withdrawals are interest-free for up to 48 days – in India or abroad. Cash withdrawal from ATMs outside India will attract a forex markup fee of 1% (+GST). Please keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

For transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

What is the annual milestone on the credit card?

On spending ₹8,00,000 or more in a card anniversary year, you will get 7,500 reward points. The reward points will be credited on payment of annual fee for the next year. Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone, including EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit.

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via Paytm Movies. You can get a discount of up to ₹400 on the second ticket.

What is the annual milestone on the credit card?

On spending ₹8,00,000 or more in a card anniversary year, you will get 7,500 reward points. The reward points will be credited on payment of annual fee for the next year. Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone, including EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit.

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via Paytm Movies. You can get a discount of up to ₹400 on the second ticket.

What is the annual milestone on the credit card?

On spending ₹8,00,000 or more in a card anniversary year, you will get 7,500 reward points. The reward points will be credited on payment of annual fee for the next year. Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone, including EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit.

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via Paytm Movies. You can get a discount of up to ₹400 on the second ticket.

What is the annual milestone on the credit card?

On spending ₹8,00,000 or more in a card anniversary year, you will get 7,500 reward points. The reward points will be credited on payment of annual fee for the next year. Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone, including EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit.

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via Paytm Movies. You can get a discount of up to ₹400 on the second ticket.

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