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Open a fixed deposit in 3 easy steps with or without a savings account
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Introducing the First-in-industry IDFC FIRST Bank's Super Account
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BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Streamline your export process with digital convenience with IDFC FIRST Bank's Export Solutions
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Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
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Zero Forex & Travel Credit Cards
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A Card that Powers your Savings & Lifestyle
IDFC FIRST Bank HPCL Credit Card
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Transfer funds to your Indian account at personalised exchange rates
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IDFC FIRST Academy
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Enjoy Zero Charges on All Commonly Used Savings Account Services
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Unlock features, exclusively available
only on the IDFC FIRST Bank app
Maximise
savings with
6.50% p.a. interest
on balances from ₹10 lakhs to ₹10 crores
Zero fees
on 30+ services
Recognised as 'A Class Apart' by IIT Bombay & Moneylife Foundation
Instant personal loan up to ₹10 lakhs
100% Digital. Approval In 5 Minutes. Zero Foreclosure Charges.
Earn Monthly Interest Credits of up to 6.50% p.a.
Enjoy Zero Fee Banking on All Savings Account services
Up to 50% discount on 1st year locker rentals
Unlock exclusive debit card offers
View offers tailored just for you!
Exclusive discounts across 15+ merchants
Discover the best deals on 300+ top brands
Discover 100+ exclusive offers for your business needs
Save big while remitting money
We truly mean it when we say we want to be the most customer-friendly bank
Know moreA world-class cutting-edge Corporate Banking Portal with unique industry-first features, such as a single window experience, intelligent report builder capability, and unique online trade regulatory portal
IDFC FIRST Bank recognised for its fairness in service charges on Savings Account by Moneylife Foundation & IIT Bombay
With IDFC FIRST Bank Savings Accounts, interest is credited each month, unlike most other banks that offer quarterly interest pay-outs.
Grow your savings faster with interest rate of up to 6.50% p.a. on balances above ₹10 Lakhs and up to ₹10 Crores.
We offer unlimited free cash transactions at non-home branches, whereas most banks charge between ₹100 and ₹150 per transaction.
Enjoy daily limits of up to ₹2 lakh on ATM withdrawals and up to ₹6 lakh on POS transactions with the ₹25,000 AMB Savings Account variant.
Our dynamic annual percentage rates (APRs) start at 8.5% - 46.2% per annum versus the usual market rates of 42% per annum.
Instead of a fixed catalogue, reward points can be redeemed against your online purchases and select offline purchases, too.
Spend your reward points whenever you like. Unlike most banks, where rewards expire in 2-3 years, most of our credit cards offer reward points that will never expire.
With our credit cards, ATM cash withdrawals attract no interest until the due date, whereas most banks charge interest rates of 42% per annum from the withdrawal date.
Get up to 200% of your fixed deposit as a credit limit, while earning up to 6.75% interest per annum on your fixed deposit. Also, enjoy 0% forex markup on this credit card.
Your complete mobility solution when on the road with Tolling+Fuel+Parking payment capabilities enabled on a single FASTag
Top-up on the go with a few simple WhatsApp clicks. We are the first bank to enable FASTag recharges through WhatsApp Payments
Experience state-of-the-art features such as Google-like search, Personal Finance Management, Customer Service Support, Mutual Fund Investing , ASBA-IPO facility, and much more.
With research-backed curated funds with a forward-looking guidance, AIFs, PMS, paperless Demat Account opening, offshore investment solutions, and more
Convenience at your fingertips with our digital NRI Savings Account which offers monthly interest credits, dedicated relationship manager, one-click Portfolio Investment Scheme’ (PIS) Account opening, ZERO-fee fund transfers, and more!
Enjoy fast processing and competitive interest rates on home loans, business loans, education loans, and car loans tailored to your personal or business needs.
No minimum balance requirement for the first 3 years and unlimited free NEFT, IMPS & RTGS transactions for easy cashflow management
Be part of a uniquely designed startup program that gives you access to mentorship, networking, and fundraising opportunities through a meticulously planned journey
A world-class cutting-edge Corporate Banking Portal with unique industry-first features, such as a single window experience, intelligent report builder capability, and unique online trade regulatory portal
Enjoy many complimentary offers across best-in-class apps for ERP, HRMS, Payroll, Taxation, Legal Advisory, Logistics, Society Management, among others.
The only bank in Inida to offer zero fee banking on 30+ savings account services


Hassle-free financial planning with IDFC FIRST Bank
Disclaimer
Interest you earn with IDFC FIRST Bank is the interest calculated considering monthly interest credit with the power of monthly compounding and on progressive balances in each interest rate slab, as applicable.
Interest you earn with other banks is the interest calculated considering quarterly interest credit (Most universal banks credit savings interest quarterly).
See interest comparison
We offer higher interest rates compared to other banks with monthly payouts, helping your savings grow faster than other banks.
| Your bank | IDFC FIRST bank | |
|---|---|---|
| Payout cycle | Quarterly | Monthly |
| Int. earned | ₹ 60,678/yr | ₹ 1,23,926/yr |
Interest slabs used for rate comparison:
3.00% p.a. for
<=₹1L
6.50% p.a. for
₹10L - ₹10Crs
All amounts mentioned are average monthly balance amounts.
In the spotlight
Plan your family budget in 2 easy steps and gain control over your finances instantly
Get the Power of UPI and earn cashback up to ₹200
Upgrade to FASTag Max and enjoy benefits worth ₹5000*
Avail up to 25% discounts with live screening of T20 matches
Enjoy unsecured loans up to ₹1 crore tailored for Doctors, CAs, and Architects
and ride your dream bike with an instant loan
Our exclusive Savings Account loyalty programme
Shop, compare and choose your perfect car with the best financing options
Plan your family budget in 2 easy steps and gain control over your finances instantly

Get the Power of UPI and earn cashback up to ₹200

Upgrade to FASTag Max and enjoy benefits worth ₹5000*

Avail up to 25% discounts with live screening of T20 matches

Enjoy unsecured loans up to ₹1 crore tailored for Doctors, CAs, and Architects

and ride your dream bike with an instant loan

Our exclusive Savings Account loyalty programme

Shop, compare and choose your perfect car with the best financing options

Recognised as the 'Best Digital Bank' for the year 2021-2022 by Financial Express India's Best Banks Awards 2023.
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Enjoy India's #1 Mobile Banking App
Enjoy India's #1 Mobile Banking App
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But don’t take our word for it, Hear from our customers
"Excellent service cooperative staff with good guidance." Shazia Shaikh 07 February 2026
"I am extremely happy with the service provided by IDFC First Bank. An incorrect ECS charge was mistakenly debited from my account, but after I raised the concern, the amount was refunded within just two days. I truly appreciate the quick response, transparency, and efficiency shown by the customer care team..." Aditi Gupta 06 February 2026
"Dear Team, I would like to express my sincere appreciation to IDFC FIRST Bank for extending a pre-approved credit card offer based on my banking relationship. After multiple unsuccessful attempts through salary-based application routes,..." Mir Shazan Salim 04 February 2026
"Mr. Aniket Mithbawkar, Relationship Manager at IDFC Bank, for the outstanding service he provided during my recent interactions with the IDFC services team. Mr. Mithbawkar guided me..." Vemunuri Manohar 03 February 2026
"Harshit sir I talked to harshit sir and his behaviour is very good 👍 he solved my due charges problem otherwise I was suffering in tension. The staff of IDFC BANK is very supportive and app is easy to use . Once again thank you Harshit sir" Manorma Kumari Singh 02 February 2026
"The team at Firozpur branch went above and beyond for opening my NRE NRO account. Their availability and hospitality is generous and kind. I would like to give a shoutout to wonderful people at my branch - Jarnail Singh, Sarishty Sharma and the text book of professionalism, the manager Ishan Bajaj at Firozpur..." Ramneek Singh 29 January 2026
"I am writing to express my sincere appreciation for the outstanding service and professionalism exhibited by Mr. Bharatkumar Mistri, the Branch Head of your Adajan, Surat branch. He recently visited my home on January 20, 2026...." Ismail Sharif 20 January 2026
"IDFC BANK is the easiest way to manage all in a bank. The service is very good. App is very easy to manage." Malvi Parekh 17 January 2026
"Idfc bank app is very good and services also" Vikash Kumar 17 January 2026
"My banking experience with IDFC has always been fantabulous. There is always something special to offer and make me feel privileged. Thank you making my financial transactions seamless." Robinson Kotamraju 16 January 2026
Helping our communities grow with us
9.3 Million Beneficiaries
Supported since March 2023
70,000 Villages
Served across the country
9000 Residents
Impacted positively through our Swachh Worli Koliwada program
351 Students
Awarded post-graduate scholarships this year
9.3 Million Beneficiaries
Supported since March 2023
70,000 Villages
Served across the country
9000 Residents
Impacted positively through our Swachh Worli Koliwada program
351 Students
Awarded post-graduate scholarships this year
Select a On a mission to build the world’s most customer friendly bank
Savings Account
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