IDFC FIRST Bank Health FIRST Savings Account

Enjoy the dual benefits on your Savings Account with the industry-best interest rate and a super top-up health insurance with premium starting
at ₹ 3,750 per annum

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Health Insurance cover of
₹ 10 lakhs
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Up to 7% interest on Savings Account
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No pre-policy medical examination
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Free Visa Signature debit card

Features of Super Top-up Health Insurance

  • Claim settlement available on cashless and reimbursement basis
  • Competitive pricing on premium
  • Day care treatment will be covered
  • Pre-hospitalization charges for 30 days and post hospitalization charges for 60 days will be covered
  • The premium will be basis the age bracket of the applicant
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Savings Account with Signature Debit Card

  • Get ₹ 250 cash back every month on movies, plays or events on BookMyShow
  • Personal accident insurance – Free cover (death or permanent disability) of ₹ 35 lakhs
  • Free airport lounge access in major cities, twice every quarter
  • Free ATM Transactions at any bank and on any network
  • A free Visa debit card with every account valid for life
  • Minimal and transparent charges
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Interest rates like never before on your savings account

Balance in ₹
Rate of Interest (% p.a.)
<=1 Lac
6.00%
>1 Lac <=10 Crs
7.00%
>10 Crs <= 50 Crs
4.50%
> 50 Crs <= 100 Crs
4.00%
>100 Crs
3.50%

Are you eligible?

  • You should be an Indian citizen.
  • You must reside in India.
  • Your average monthly balance must be ₹ 25,000 to avoid charges.
  • You should be an Indian citizen.
  • You must reside in India.
  • Your average monthly balance must be ₹ 25,000 to avoid charges.
  • In case your balance falls below ₹ 25,000, charges will be applicable on transactions like issue of new cheque book, DD payable at branch locations, replacing debit card, ATM transaction beyond free limit etc.

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Documents

  • Passport-size photograph
  • Aadhaar card
  • Passport
  • Voter’s Identity Card (Election Card)
  • Passport-size photograph
  • Aadhaar card
  • Passport
  • Voter’s Identity Card (Election Card)
  • Permanent and valid driving license with photograph.
  • Job Card issued by NREGA duly signed by an officer of the State Government.
  • If you have a PAN card, it is mandatory to provide it when opening your account.
  • Note that your PAN card proves who you are (identity) but does not carry your address. With your PAN card, you can book deposits greater than ₹ 50000, buy and sell mutual funds and shares, and do a lot more. Your PAN assures us that your transactions are income-tax compliant.

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Fees & Charges Check the fees & charges applicable
for different types of accounts
Contact Us Need to get in touch with us,
check the various modes of connecting with us

Frequently Asked Questions

What is the sum insured available with this Super top- up health insurance?

This is a super top up health insurance cover with a ₹ 2 lakhs deductible where medical expenses incurred up to ₹ 2 lakhs will be paid by the customer or via existing health insurance policy and medical expenses above ₹ 2 lakhs up to ₹ 12 lakhs will be covered by ICICI Lombard (Additional cover of ₹ 10 lakhs post the deductible of ₹ 2 lakhs)

Who can avail of this Super top up Health Insurance?

Both new and existing customers can avail of this super top up Health Insurance product. This product is a clubbed offering available with IDFC FIRST Bank Savings account. The premium will be basis the age bracket of the applicant given below:

ICICI Lombard Premium Grid
Sum Insured ₹ 10 Lakhs/Deductible = ₹ 2 Lakhs
Customer’s age
at the time of application
Premium Amount
(including taxes as applicable)
21-35 ₹ 3,750
36-45 ₹ 4,250
46-50 ₹ 6,400
51-55 ₹ 10,750

What is the validity period for this Super Top-up Health Insurance?

The policy is valid for 1 year from the day of 1st premium debit and can be renewed annually by the customer

What is the frequency of interest pay-out?

Interest earned on your Savings Account balance shall be credited to your account on a quarterly basis.

What is the initial pay in amount required for opening your IDFC FIRST Bank Savings Account?

A minimum amount of ₹ 25,000 is required for opening your IDFC FIRST Bank Savings Account. We will be very happy if you want to open your account with a higher amount!

What is the minimum account balance required to be maintained monthly in the IDFC FIRST Bank Savings Account?

Average Monthly Balance (AMB) required for this Savings Account is ₹ 25000. Please click here to see the applicable Schedule of Charges

How is the average monthly balance (AMB) calculated?

Every day, from the 1st to the end of the month, we take the balance in your account at the end of the day. We total them all up, and divide by the number of the days in the month. That's it!

What are the charges levied for non-maintenance of average monthly balance (AMB)?

Click here to know more about the applicable non-maintained charges on your Savings Account

What are the modes through which one can track IDFC First Bank Savings Account?

You can track your IDFC First Bank Savings Account through the following modes: Monthly email statements sent to registered email ID internet banking through regular updates of your passbook (if you still use passbooks!)

Know more about IDFC FIRST Bank Savings Account Interest Rates

IDFC FIRST Bank's Savings Account is our testament to putting our customers first. We offer one of the industry’s best savings account interest rates at 7% p.a. for ₹ 1 lac+ balance, starting at an assured interest rate of 6% p.a.

What's more, you earn this interest on your entire balance, starting from the first rupee. That means you earn every single day. We pay out this interest every 3 months.

Hurry and make the most of this unique opportunity. Click here to know more.

Please note that interest rates are subject to periodic change.

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Contact us

REGISTERED office:

IDFC FIRST Bank Ltd

KRM Tower, 7th Floor, No. 1,
Harrington Road, Chetpet,
Chennai - 600031, Tamil Nadu,
India

Corporate office:

IDFC FIRST Bank Ltd

Naman Chambers,
C-32, G-Block,
Bandra-Kurla Complex,
Bandra East, Mumbai - 400051,
India

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