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Customer care hotline 1800 10 888
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Customer care hotline Call 1800 10 888
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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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A Current Account that keeps your business running smoothly, anytime, anywhere
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Best-in-class Netbanking and Mobile Banking Platform
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Bank from anywhere, across any branch, without extra charge
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Suite of payment and collection solutions to optimize cash flows
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Doorstep Banking Service- Free document & cheque pickup
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Best-in-class Netbanking and Mobile Banking Platform
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Bank from anywhere, across any branch, without extra charge
-
Suite of payment and collection solutions to optimize cash flows
-
Doorstep Banking Service- Free document & cheque pickup
Grow Your Business with Confidence with an IDFC FIRST Bank Current Account.
IDFC FIRST Bank Silver Plus Current Account is designed to offer you the flexibility and convenience you need for your everyday banking. With easy access to your funds, unlimited transactions at IDFC FIRST Bank ATM, and a range of digital banking tools, managing your finances has never been easier. Enjoy instant access to your funds, easy bill payments and flexibility of making business payments all at your convenience. With a low average monthly balance maintenance requirement, free online banking, and secure debit card access, our current account ensures you get all you need. Read More
Open a Silver Plus Current Account with us today and experience seamless banking at your fingertips.Read Less
Empower Your Enterprise with the Ultimate Current Account Solution
Anywhere Banking: No add-on charges on transactions at any non-home branch. So, every IDFC FIRST Bank branch is your home branch
Cash Management Solutions: Benefit from a suite of payment and collection solutions to optimize your cash flows
Debit Card: Free VISA Platinum Business Debit card with exclusive benefits
All-in-one app: A single app with 100+ features that meet both personal and business financial needs
WhatsApp Banking: Access your accounts anywhere, anytime. Just send a 'hi' to 95555 55555 to get started
Beyond Banking Services: We offer 100+ Beyond Banking offerings to suit your enterprise's needs, including ERP, HRMS, Payroll, Taxation, Legal, Cloud Services, CoWorking Spaces, etc.
Open Salary Account Online
Offer Details
Flat Rs 100 Off | Min purchase: Rs. 699 | Max discount: Rs. 100
Valid on every Thursday
How to claim this offer?
- Visit Swiggy Instamart app/website
- Select items of your choice and add them to the cart
- Apply coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Card to avail discount
Offer Details
15% off up to Rs. 125 / Flat Rs. 50 off on non-Participating Restaurants | Min purchase: Rs. 499
Valid on every Saturday & Sunday
How to claim this offer?
- Visit Zomato app/website
- Select items of your choice and add them to the cart
- Apply IDFCFEAST coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Credit Card to avail discount
Offer Details
Complimentary One-year e-subscription of Hindustan Times worth Rs 999 on FIRST Select, FIRST Family, FIRST Wealth, FIRST Private and FIRST WOW Credit Cards Valid till 31st January 2023
How to claim this offer?
- Visit https://subscriptionbenefits.thriwe.com/ and complete the registration process
- Enter your IDFC FIRST Bank Credit card details to complete the Rupee 1 transaction for verification
- The promo code along with the process to claim code will be sent to your email address & mobile number
- For any issues, queries or assistance please contact Thriwe (Visa Offers Partner) at below numbers
Call at : 1800 208 7899 (India), 800035703553 (UAE) Whatsapp on : +91-9717176899
Mon-Fri, 9 AM to 7 PM IST
Offer Details
Get Flat 150 off on Rs 700 | Once per user | Per month
Valid till 31st March 2023
How to claim this offer?
- Visit Domino’s app/Mobile website
- Select items of your choice and place your order in the cart
- Apply DOMIDFC150 coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Credit Card to avail discount
Offer Details
Cuisines: Pizza, Fast Food & Beverages. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Bangalore, Hyderabad & Secunderabad.
Offer Details
Cuisines: Chinese, Thai, Asian & Beverages & Finger Food. Offer detail: 15% off on Food & Soft Beverages in M Café by Marriot *Not Valid on Buffet & Alcoholic Beverages. Locations: Bangalore.
Offer Details
Cuisines: Desserts & Beverages. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Multiple locations.
Offer Details
Cuisines: Seafood, North Indian, Chinese, Mangalorean, Kerala, South Indian, Desserts & Beverages. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Mumbai.
Offer Details
Cuisines: North Indian, Continental, Seafood & Asian. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Pune.
Offer Details
Get 10% Cashback up to Rs 3000 Valid till 31st March 2023
Valid till 31st March 2023
How to claim this offer?
- Shop for an Oppo phone at authorized stores. Please click here to see the list of authorized stores.
- Request the staff at billing counter to apply applicable EMI offer on IDFC FIRST Bank Credit Cards
- Use IDFC FIRST Bank credit card as mode of payment to avail of the benefit
Offer Details
Dom Flights : 12% instant discount up to INR 1200 |International Flights: 10% instant discount up to Rs 7500 |Domestic Hotels : 20% instant discount up to Rs 4800 | Bus : 15% instant discount up to Rs 500
Valid on every Friday
How to claim this offer?
- Visit Yatra website (https://www.yatra.com/) or Mobile application on any Friday during the offer period to do hotel booking/ book flight or Bus ticket.
- Apply the coupon code YTIDFC at checkout
- Use your IDFC FIRST Bank Credit card to make the payment.
Offer Details
Flat Rs 50 off on a Minimum Order Value of Rs 499
Valid till 31st March 2023
How to claim this offer?
- Visit Dunzo Mobile App during the offer period
- Select items of your choice and place your order in the cart
- Apply IDFC50 coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Credit Card to avail discount
Offer Details
10% Cashback up to Rs 3000 on EMI Txns
Valid till 31st March 2023
How to claim this offer?
- Shop for Electronics at Vijay Sales for at least Rs 15,000. Find the nearest Vijay sales store at https://www.vijaysales.com/store-locator
- Request the Vijay sales staff at billing counter to apply applicable EMI offer on IDFC FIRST Bank Credit Cards
- Use IDFC FIRST Bank Credit Card as mode of payment to avail of the benefit
Offer Details
10% Disc up to Rs 2000 on Non EMI Txns | 10% Disc up to Rs 3000 on EMI Txns | Minm Txn Value Rs 15,000
Valid on every Saturday & Sunday
How to claim this offer?
- Shop for Electronics at Croma Stores for at least Rs 15,000. Find the nearest Croma store at https://www.croma.com/store?location=default
- Request the Croma sales staff at billing counter to apply applicable offer on IDFC FIRST Bank Card
- Use IDFC FIRST Bank Card as mode of payment to avail of the benefit
Pay Instantly with Reward Points
Pay instantly for any online transaction with your Credit Card Reward Points and for offline transactions too, at select merchants.
• Get gift cards or memberships of your favourite brands.
• Check out our unique Credit Card Reward Redemption Catalogue page for updates
Reward points that never expire!
Earn forever and Redeem anytime, anywhere with IDFC FIRST Bank credit cards
Lower Interest Rates
• Usually, other credit cards charge a standard and fixed interest rate as high as 42% p.a. , in case you carry forward your outstanding balance beyond the payment due date.
• IDFC FIRST Bank Credit Cards offer low and dynamic interest rates starting from 9% per annum. The interest rates stated are typically ‘yearly’ rates, also known as the annual percentage rate (APR). No Interest is charged if you repay your balance in full, each month by the due date. We recommend that you always pay Total Amount Due of your credit card to avoid any charges. Paying Minimum Amount Due each month is mandatory.
0% Interest on Cash Withdrawal
IDFC FIRST Bank Credit Cards offer ATM cash withdrawals at 0% interest until your due date.
• Usually, other credit cards charge interest from date of withdrawal with interest rates as high as 3.5% per month along with withdrawal fee of ₹500.
• With IDFC FIRST Bank offering India’s best credit card interest rates, you pay zero interest until your due date for payment and at a flat transaction fee of just ₹199/- only.
Stay safe with Insurance/RSA coverage
• Avail Emergency Roadside Assistance worth ₹1,399 with your credit card – in case of an unfortunate & unforeseen event like a breakdown or a road accident.
• Avail 24*7 Roadside Assistance (RSA) anywhere, anytime by calling our RSA partner, Global Assure on 1800 572 3860 (toll free)
• Avail 4 complimentary RSA services in a year
• This is available on all IDFC FIRST Bank Credit Cards
Pay Instantly with Reward Points
Pay instantly for any online transaction with your Credit Card Reward Points and for offline transactions too, at select merchants.
• Get gift cards or memberships of your favourite brands.
• Check out our unique Credit Card Reward Redemption Catalogue page for updates
Reward points that never expire!
Earn forever and Redeem anytime, anywhere with IDFC FIRST Bank credit cards
Lower Interest Rates
• Usually, other credit cards charge a standard and fixed interest rate as high as 42% p.a. , in case you carry forward your outstanding balance beyond the payment due date.
• IDFC FIRST Bank Credit Cards offer low and dynamic interest rates starting from 9% per annum. The interest rates stated are typically ‘yearly’ rates, also known as the annual percentage rate (APR). No Interest is charged if you repay your balance in full, each month by the due date. We recommend that you always pay Total Amount Due of your credit card to avoid any charges. Paying Minimum Amount Due each month is mandatory.
0% Interest on Cash Withdrawal
IDFC FIRST Bank Credit Cards offer ATM cash withdrawals at 0% interest until your due date.
• Usually, other credit cards charge interest from date of withdrawal with interest rates as high as 3.5% per month along with withdrawal fee of ₹500.
• With IDFC FIRST Bank offering India’s best credit card interest rates, you pay zero interest until your due date for payment and at a flat transaction fee of just ₹199/- only.
Stay safe with Insurance/RSA coverage
• Avail Emergency Roadside Assistance worth ₹1,399 with your credit card – in case of an unfortunate & unforeseen event like a breakdown or a road accident.
• Avail 24*7 Roadside Assistance (RSA) anywhere, anytime by calling our RSA partner, Global Assure on 1800 572 3860 (toll free)
• Avail 4 complimentary RSA services in a year
• This is available on all IDFC FIRST Bank Credit Cards
Exciting discounts on Movie Tickets
25% discount on movie tickets up to ₹100 (valid once per month)
Complimentary Lounge Access
Complimentary Domestic Airport Lounge access , once every quarter
Savings Calculation
Category |
Annual Spends in (₹) |
Savings (₹) |
Fuel |
60,000 |
2,100 |
HP Pay Savings |
900 |
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Welcome Benefit-1 (Fuel Cashback) |
250 |
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IDFC FASTag Recharge |
6,000 |
150 |
Grocery & Utility |
24,000 |
600 |
Other Spends |
18,000 |
60 |
Annual Fee Waiver |
|
199 |
Welcome Benefit-2 (EMI Cashback) |
20,000 |
1,000 |
Complimentary Roadside Assistance |
|
1,399 |
Offer discount - ZoomCar rentals |
1000 |
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Total |
1,28,000 |
7658 |
Fuel worth in litres @ ₹105 |
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72.9 |
Assuming monthly spends of ₹5000 on Fuel, ₹500 on IDFC FASTag, ₹2000 on Utility & Grocery, ₹1000 on other spends (excluding Insurance, EMI, Cash withdrawal),₹20,000 from other spends converted to EMI.
Savings Calculation
Category |
Annual Spends in (₹) |
Savings (₹) |
Fuel |
1,20,000 |
6,000 |
HP Pay Savings |
1,800 |
|
Welcome Benefit 1 – (Fuel Cashback) |
1,800 |
|
IDFC FASTag Recharge |
12,000 |
600 |
Grocery & Utility |
24,000 |
1,200 |
Other Spends |
24,000 |
120 |
Annual Fee Waiver |
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499 |
Welcome Benefit 2 - (EMI Cashback) |
20,000 |
1000 |
Complimentary Roadside Assistance |
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1,399 |
Offer Discount – Zoomcar Rentals |
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1,000 |
Movie Discount |
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1200 |
Complimentary Dom. Airport Lounge Access |
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3,600 |
Total |
2,00,000 |
20,218 |
Fuel worth (@ ₹105) |
|
192.5 litres |
Assuming monthly spends of ₹10,000 on Fuel, ₹1000 on IDFC FASTag, ₹2000 on Utility & Grocery, ₹2000 on other spends (excluding Insurance, EMI, Cash withdrawal),₹20,000 from other spends converted to EMI.
Elevate your business with our Silver Plus Current Account proposition
- High Cash deposit limit of 10 times of current month AMB (max ₹50 Lakhs)
- Free VISA Platinum Business Debit card with lounge access
- Complimentary insurance with the debit card
- Free NEFT and RTGS transactions
- All transactions free on IDFC FIRST Bank ATM
- Daily ATM limit of ₹1 Lakh & Purchase limit of ₹2 Lakhs
- Free anywhere cheque collection
- Leverage our Payment and Collection solutions to optimize your business
- Get complimentary General Insurance Cover with your Current Account
Eligibility
Who can apply?
Anybody who meets any of the following requirements can apply:
- Self Employed Professionals
- Hindu Undivided Family (H.U.F.)
- Sole proprietorship
- Partnership
- OPC / Private / Public Limited Company.
- Limited Liability Partnership
Documentation
Sole proprietorship
- 2 documents in the name of Entity
- Address proof in the name of entity
- Proprietor Document – (Photo, PAN copy and 1 OVD document copy)
- Nature of Industry proof (In case not indicative in Entity documents, please check for Invoice Copy, Bill of Entry, Freight Invoice, Agreement Copy)
Partnership
- Partnership Deeds
- Partnership Firm Declaration
- Entity PAN card copy
- Address Proof in the name of the Entity
- OVD copy of the Partners / Authorised Signatories / Beneficial Owners (Including Latest Photograph and PAN card copy)
Schedule of Charges
- Click here to read the Schedule of Charges
FEES & CHARGES
Find out about our minimal and transparent fees & charges
FREQUENTLY ASKED QUESTIONS
What is a Current Account?
A Current Account is an account that is used by business enterprises or self-employed professionals to carry out business-related transactions. It allows businesses to carry out a higher number of transactions daily.
Who can apply for a Current Account?
Anyone who meets any of the following requirements can apply:
- Self Employed Professionals
- Hindu Undivided Family (H.U.F.)
- Sole Proprietorship
- Partnership
- OPC / Private & Public Limited Company
- Limited Liability Partnership
How do I open a Current Account?
You can open an IDFC FIRST Bank Current Account by visiting your nearest bank branch or click here to apply online.
What are the documents required for opening a Current Account?
The documents required to open a Current Account are based on your constitution type. Click here to view the list of documents.
What is the minimum Average Monthly Balance (AMB) required to be maintained in the IDFC FIRST Bank Silver Plus Current Account?
Minimum Average Monthly Balance (AMB) requirement for Silver Plus Current Account is ₹ 25,000.
What is an Average Monthly Balance?
The average monthly balance is calculated by taking the average of end of the day/ daily closing balances in your Current Account, in a given month. E.g., For a 31-day month, the average is calculated by adding the closing day balances for all the days in the month and dividing it by 31.
What are the benefits of having an IDFC FIRST Bank Current Account?
After opening a Current Account with IDFC FIRST Bank, you can avail of below benefits:
- State-of-the-art Mobile Banking App & Net Banking platform
- Bank from anywhere, across any branch, at ZERO charges
- Seamless POS, QR & Payment Gateway facility
- Doorstep Banking Service - Free document & cheque pickup
What are the fees and charges on IDFC FIRST Bank Current Account?
IDFC FIRST Bank has minimal and transparent fees & charges. Click here to view.
What is the free cash deposit limit for Silver Plus Current Account?
Silver Plus Current Account offers free cash deposit limit of 10 times the current month AMB, upto Rs. 50 Lakhs
Can I deposit or withdraw cash in any IDFC FIRST Bank branch?
Yes, every Branch is a Home Branch with IDFC FIRST Bank which means you can get banking service like cash deposits or withdrawals at any IDFC FIRST Bank branch in the country. These services are provided without any additional charges.
What are the digital modes through which I can access IDFC FIRST Bank Current Account?
Current Account can be accessed through the following digital modes:
- Internet Banking & Mobile Banking
- 24x7 Banker on Call 1800-10-888
- Alerts through Email and SMS
- WhatsApp Banking
What all Beyond Banking offer will I get with my Current Account?
IDFC FIRST Bank Beyond Banking offers premium banking services with 100+ partner offers, you can enjoy benefit across ERP & Accounting, HRMS Solutions, Cloud, Legal, Logistics, Travel & more.
Click here to view the Beyond Banking offers.
What is the digital Payment & Collection solutions available for my Current Account?
Below are some of the digital payment and collection solutions available with IDFC FIRST Bank Current Account:
| Payment Solutions | Collection Solutions |
| NEFT/RTGS/IMPS | UPI-QR |
| Debit Cards | POS Machine |
| E-commerce payments using Net Banking | Doorstep Banking services with live tracking facilities |
| Bill Payments | Payment Gateway |
| Bulk transaction facility on Net Banking | Virtual Accounts |
| GST/Direct Tax Payment | Collection API |
| Payment API | NACH/e-NACH |
What are the Trade & Forex solutions available with the Current Account?
Below are the Trade & Forex solutions available to facilitate your international business requirements:
- Letter of Credit
- Bank Guarantee
- Document Collection
- Inward & Outward Remittance
- Hedging and Currency Protection
- FDI/ ODI/ ECB
- Escrow Services
Whatsapp Banking
Through WhatsApp Banking, you can interact with us just like you would with any of our representative
Numbers to connect: 95555 55555
Current Account Blogs
FEATURED
All you need to know about current account
Current accounts can help in managing the finances for your business. Read the following article to learn more about current accounts.
Team FinFIRST19 Oct 2023 • 3 mins read
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Savings Account vs Current Account: Key differences & benefits
15 Dec 2023 • 3 mins read
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Traditional vs zero balance current account for Start-ups
17 Aug 2023 • 3 mins read
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Business benefits of a Start-up current account
14 Aug 2023 • 3 mins read
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IDFC FIRST Bank’s ‘BOOSTER’ Current Account: A game changer for MSMEs
01 Jul 2023 • 3 mins read
