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A salary account plays a crucial role in how you access, use, and manage your income every month. While most professionals have one, not everyone is aware of the value it can offer beyond just the basic task of receiving monthly income. With features tailored to the needs of salaried individuals, these savings bank accounts are built to simplify financial tasks and support better money management.
Whether you are starting a new job or simply reviewing your options, knowing what benefits to expect from a salary account is important. Let us take a look at the benefits offered by an IDFC FIRST Bank Salary Account and why you should opt for one.
Benefits of a Salary Account
With an IDFC FIRST Bank Salary Account, you experience true savings with best-in-class features. These include:
· Zero fee banking on essential services
You get complete fee waivers on essential banking services. IMPS, RTGS, NEFT, and SMS alerts come at no additional cost. This saves you money on every transaction, whether you transfer funds, pay bills, or receive account updates.
· Monthly interest credits
Interest on your balance is credited every month. This gives you more frequent earnings compared to quarterly interest cycles offered by most banks. This benefit supports faster savings growth and creates better value from idle funds.
· Unlimited ATM transactions
With an IDFC FIRST Bank Salary Account, you can make unlimited ATM withdrawals across the country without paying any extra charges.
· 250+ mobile banking services
The IDFC FIRST Bank mobile app gives access to more than 250 banking services. You can pay utility bills, check statements, manage debit card settings, track expenses, and raise service requests directly from the app. All critical functions stay available round the clock.
· Complimentary insurance coverage
You stay protected with complimentary insurance covers like:
Coverage type |
IDFC FIRST Bank Platinum Plus |
IDFC FIRST Bank Classic Plus |
Personal accident cover |
₹50 lakh |
₹35 lakh |
Air accident cover |
₹1 crore |
₹1 crore |
Lost card liability |
₹6 lakh |
₹6 lakh |
Purchase protection |
₹1 lakh |
₹1 lakh |
Professionals using salary accounts with higher POS and ATM limits avoid payment failures while completing high-value daily or emergency transactions.
Features to look for in a salary account
Before you finalise a salary account, make sure to consider the following key features:
· High interest rates
A salary account with a competitive interest structure helps your savings grow faster. Monthly interest crediting also adds value by increasing the frequency of earnings and makes your account more productive even without locking funds.
· Premium lifestyle benefits
Look for an account that comes with lifestyle tie-ups that cover food delivery, groceries, and entertainment. Complimentary subscriptions to OTT platforms and discounts across top brands add utility to everyday spending.
· Exciting travel benefits
Also, check if a salary account lets you cover new experiences with appealing travel benefits like:
- Free access to domestic airport lounges
- Trip cancellation cover that reimburses expenses for eligible cancelled bookings
- Exclusive offers on flight and hotel bookings through partnered travel platforms.
· Reward points
When comparing salary accounts, check if the linked debit card provides attractive reward points on transactions. You can redeem these reward points for discount vouchers, gifts, and even to pay bills. This feature turns everyday payments into long-term benefits.
· Robust digital banking
Test the mobile banking app offered by the bank to manage salary accounts and fulfil other banking needs. Look for real-time updates, card controls, transaction filters, and investment access. A reliable app eliminates the need to visit a branch and gives you complete control from your phone.
· Service network and support
Check the quality of customer support and availability of physical branches or ATMs. A solid support system, especially during disputes or emergencies, adds to the salary account’s practicality.
Steps to open a salary account
Take a look at the steps to open a salary account effortlessly:
· Visit the official website: Go to the salary account section on the bank website or directly access the application page via the digital portal.
· Enter personal details: Provide your name, Aadhaar number, mobile number, PAN details, and email ID. Verify with the one-time password you received on your registered mobile number.
· Share employment details: Enter your organisation’s name, company-provided official email, and gross annual salary.
· Complete KYC: Upload scanned copies of your PAN, Aadhaar card, and a recent passport-size photograph to complete the KYC process.
· After your application is processed and details are verified, your account number, debit card details, and login credentials will be communicated.
Conclusion
A salary account should be more than just a place to deposit your earnings. It should reward your financial habits, support your lifestyle, and give you the flexibility you require in daily life. Features like monthly interest credits, unlimited ATM access, insurance protection, digital solutions, and valuable rewards can make an actual difference over time. When you select an account, look for one that adds value, not complexity.
IDFC FIRST Bank Salary Accounts combine all these features while also offering high interest rates and zero charges on essential services. No matter if you prefer opening an account online or visiting a branch, the process remains quick, hassle-free, and convenient. So, why wait? Open your salary account now!
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.