IDFC FIRST Vishesh Savings Account

A savings account with a free debit-cum-ATM card for access to funds and all your banking needs.

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Up to 1% surcharge waiver on fuel.
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5% cashback on utility bill payments.
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Average monthly balance of Rs 5,000.

Key features

  • Average quarterly balance of Rs 5,000 is required in a Vishesh savings account.
  • Vishesh Platinum Debit Card benefits include a Rs 2 lakh of online fraud cover and Rs 2 lakh of personal accidental insurance cover* on the debit card.
  • Free RTGS/NEFT/IMPS and ECS collection in your account.
  • Average quarterly balance of Rs 5,000 is required in a Vishesh savings account.
  • Vishesh Platinum Debit Card benefits include a Rs 2 lakh of online fraud cover and Rs 2 lakh of personal accidental insurance cover* on the debit card.
  • Free RTGS/NEFT/IMPS and ECS collection in your account.
  • Rs 2 lakh of online fraud cover and Rs 2 lakh of personal accidental insurance cover* on debit card
  • Rs 2 lakh of personal accidental insurance cover.
  • Rs 25 cashback on train ticket booking through IRCTC.co.in.
  • Lounge access at domestic airports.
  • 15% discount on minimum billing of Rs 300 on food and beverages at Café Coffee Day.
  • *Terms and conditions apply

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Interest rates like never before on your savings account

Balance in ₹
<= 1 Lac
> 1 Lac <= 1 Cr
Rate of Interest (% p.a.)
6.00%
7.00%
(Effective from 19/10/2019), Refer FAQs for more details.

Eligibility

Following customers can open the IDFC FIRST Bank Vishesh Savings Account:
  • Resident Individual/HUF
  • Sole Proprietorship concern.
  • SHG
Following customers can open the IDFC FIRST Bank Vishesh Savings Account:
  • Resident Individual/HUF
  • Sole Proprietorship concern.
  • SHG
  • TASC
  • You need to maintain an average quarterly balance of Rs 5000 per quarter to operate this account.
  • Non maintenance of stipulated average balance will entails a charge of Rs 300/quarter if balance maintained is between Rs 2500 to less than Rs 5000. In case of balance maintained is less than Rs 2500 non maintenance charge will be Rs 500/quarter.

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Documents

  • All fees and charges mentioned in the tariffs, charges or fees brochures will attract taxes at prevailing rates as per government rules, over and above the charges mentioned.
  • All you need is a passport-size photograph in addition to identity and address proof documents to open your account.
  • All fees and charges mentioned in the tariffs, charges or fees brochures will attract taxes at prevailing rates as per government rules, over and above the charges mentioned.
  • All you need is a passport-size photograph in addition to identity and address proof documents to open your account.
  • Identity and address proof documents include:
  • Aadhaar card
  • Passport
  • Voter’s Identity Card (election card).
  • Permanent Driving License which is valid with the photograph affixed.
  • 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 at the time of account opening. Note that your PAN Card proves who you are(identity) but does not carry your address. Your PAN card makes a lot of transactions very easy. Booking deposits greater than Rs 50000, buying and selling mutual funds and shares, and many others. It assures us that your transactions are income-tax compliant. This is why it would be great for you if you added your PAN card to the account opening documentation.

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Frequently Asked Questions

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 Rs 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

IDFC FIRST Bank Customers

Toll Free No - 1800 419 4332
Email - Banker@idfcfirstbank.com

Capital First Customers

Toll Free No - 1860 500 9900
Email - Customer.Care@Capitalfirst.Com

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