IDFC FIRST Bank Savings Accounts | Zero Fee, High Interest

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Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

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Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

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Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

Apply Now

Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

Apply Now

Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

Apply Now

Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

Apply Now

Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

Apply Now

Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

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Overview

A 3-in-1 account gives you the convenience to seamlessly operate your Demat, Trading and Bank Account. This 3-in-1 account is a joint offering by IDFC FIRST Bank Limited and ICICI Securities Limited. Lorem is dummy text dolor a sagacite is regulated by the International Financial Services Centre Authority (IFSCA). With a wide range of financial services under its hood, it presents enormous opportunities to accelerate cross-border trade and facilitate foreign investment. Read more

For Founder

Here’s a comprehensive list of IDFC FIRST Bank savings accounts, each crafted for specific customer needs:

Financial Enablers

IDFC FIRST Bank Savings Account

Savings Account Savings Account

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Zero Fee Banking on all Savings Account services
Zero charges on IMPS, Debit Card, SMS Alerts & more

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ECosystem Enablers

IDFC FIRST Bank Corporate Salary Account

Corporate Salary Account

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Enjoy Zero Fee Banking on All Salary Account Services
Earn Monthly Interest Credits on Your Savings
Get Complimentary Times Prime, Swiggy One & Amazon Prime Memberships

Open Account Know more

IDFC FIRST Bank Senior Citizen Savings Account

Senior Citizen Savings Account

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Complimentary health benefits for 1 year with MediBuddy
Cyber Insurance of up to Rs. 2 lakhs Auto Sweep-out & Sweep-in facility available
Preferential rates on fixed & recurring deposits

Open Account Know more

Why Choose IDFC FIRST Bank Savings Accounts?

Types of Accounts

Here’s a comprehensive list of IDFC FIRST Bank savings accounts, each crafted for specific customer needs:

Financial Enablers

IDFC FIRST Bank Savings Account

Savings Account Savings Account

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Zero Fee Banking on all Savings Account services
Zero charges on IMPS, Debit Card, SMS Alerts & more

Open Account Know more

ECosystem Enablers

IDFC FIRST Bank Corporate Salary Account

Corporate Salary Account

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Enjoy Zero Fee Banking on All Salary Account Services
Earn Monthly Interest Credits on Your Savings
Get Complimentary Times Prime, Swiggy One & Amazon Prime Memberships

Open Account Know more

IDFC FIRST Bank Senior Citizen Savings Account

Senior Citizen Savings Account

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Complimentary health benefits for 1 year with MediBuddy
Cyber Insurance of up to Rs. 2 lakhs Auto Sweep-out & Sweep-in facility available
Preferential rates on fixed & recurring deposits

Open Account Know more

IDFC FIRST Bank FIRST Power account

FIRST Power

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Complimentary health benefits for 1 year with MediBuddy
Up to 50% discount on 1st year locker rental
Free & unlimited ATM transactions at any bank’s ATM in India

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IDFC FIRST Bank Honour FIRST Defence Account

Honour FIRST Defence Account

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Monthly Interest Credit on Savings
Personal accidental Insurance cover of up to ₹70 Lacs
Air accident cover of up to ₹1 crore
Zero Balance Savings account

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IDFC FIRST Bank Nation FIRST Salary Account

Nation FIRST Salary Account

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Personal accidental cover of ₹1 crore
Monthly interest credit on savings
Purchase protection of up to ₹1 lakh
Free and unlimited ATM transactions at any bank ATM

Open Account Know more

IDFC FIRST Bank Savings Account

Savings Account

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Zero Fee Banking on all Savings Account services
Zero charges on IMPS, Debit Card, SMS Alerts & more
Get higher interest rates of up to 7.25% p.a.

Open Account Know more

IDFC FIRST Bank Corporate Salary Account

Corporate Salary Account

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Enjoy Zero Fee Banking on All Salary Account Services
Earn Monthly Interest Credits on Your Savings
Get Complimentary Times Prime, Swiggy One & Amazon Prime Memberships

Open Account Know more

IDFC FIRST Bank Senior Citizen Savings Account

Senior Citizen Savings Account

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod

Complimentary health benefits for 1 year with MediBuddy
Cyber Insurance of up to Rs. 2 lakhs Auto Sweep-out & Sweep-in facility available
Preferential rates on fixed & recurring deposits

Open Account Know more

IDFC FIRST Bank Savings Account Interest Rates

On Balances (in ₹)	Rate of Interest (% p.a.) effective from 20th February 2025
<= 5 lac	3.00%
> 5lac <= 10lac	5.00%
> 10lac <= 100cr	7.25%
> 100cr <= 200cr	4.50%
> 200cr	3.50%

NRI Account Interest Rates

IDFC FIRST Bank offers one of the most attractive interest rates on NRI savings accounts in India. You can earn up to 6.50% p.a. on your NRI bank account, with interest credited monthly for better compounding benefits.

These competitive rates apply to NRE, NRO, and Seafarer accounts, helping you grow your wealth while enjoying additional facilities like an award-winning mobile banking app, unlimited ATM withdrawals in India, and 24/7 online access.

Explore latest interest rates on NRI Savings Account

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Answering FAQs

Any business transaction between two or more parties requiring secured fund settlement as pre-agreed under an agreement can be managed through the Escrow account. IDFC FIRST Bank acts as an Escrow Agent to ensure transactions are executed as per the underlying executed Escrow agreement.

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Yes. You will earn:

10 reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday.
5 reward points on spends up to ₹20,000 in a statement cycle.
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.
Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.
1 reward point is given for every ₹150 spent in a transaction. Value of 1 reward point is ₹0.25.

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.

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

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

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.

Yes, Ashva Credit Card offers:

4 complimentary visits per quarter to lounges and spas at airport terminals in India.
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.

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.

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.

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.

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.

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.

The reward points will get credited upon statement generation.

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.

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.

The reward points will get credited upon statement generation.

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.

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.

The reward points will get credited upon statement generation.

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.

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.

The reward points will get credited upon statement generation.

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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