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Vishesh Savings Account

IDFC FIRST Bank’s Vishesh Savings Account gives you access to some amazing benefits. When it comes to your finances, you need a strong and secure banking partner. Read More

Secure your finances and enjoy the many benefits such as Personal Accidental Insurance Cover of ₹2 lakhs*, Online Fraud protection of ₹2 lakhs*, Daily ATM withdrawal limit of ₹50,000 and POS limit of ₹1 lakh, and much more with IDFC FIRST Bank Vishesh Savings Account.Read Less

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Enjoy the benefits of
Vishesh Savings Account

Interest up to 5%

Monthly Interest Credit on your Savings Accounts

  • Earning Interest on Interset with IDFC FIRST Bank
  • Monthly interest credits versus the industry norm of Quaterly interest credit.
  • Free and unlimited ATM transactions at any bank anywhere in india
  • Industry best Giveaways!



Who Can Apply?

  • Resident Individuals
  • HUF


  • Passport-sized photograph
  • Aadhaar card
  • Passport
  • Voter’s Identity Card (Election Card)
  • Permanent Driver’s 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

Vishesh Savings Account Eligibility


Find out about our minimal and transparent fees & charges

View Fees & Charges

Vishesh saving eligibility


What is the frequency of interest pay-out?

Interest earned on your balance is credited to your account on a monthly basis.

How does the monthly interest credit for savings account work?

For the convenience of our customers, the Bank will credit interest to customers’ savings accounts on a monthly basis. The earlier facility of interest credit on quarterly basis on savings accounts will be discontinued from June 30, 2021. The Bank is among the few in the industry to offer monthly interest credit on savings accounts.

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

A minimum amount of ₹5,000 is required to open a Vishesh savings account with IDFC FIRST Bank. You can choose to open an account with higher amount to get better interest earned.

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

The average monthly balance required is ₹5,000. Please click here to see the applicable Schedule of Charges. 

Vishesh Platinum Rupay Debit Card

·         Get ₹2 lakh of online fraud cover

·         Personal accidental insurance cover of ₹2 Lakh*.

·         Daily ATM withdrawal limit of  ₹50,000 and POS limit of ₹1 lakh

·         ₹25 cashback on train ticket booking through

·         Host of other exciting offers and cashback on Vishesh Platinum Debit Cards 

How can I learn more about IDFC FIRST Bank Vishesh Savings Account Interest Rates

IDFC FIRST Bank's Vishesh Savings Account is our testament to putting our customers first. We offer 5% p.a on Vishesh Savings account.

What's more, you earn this interest on progressive balances in each interest rate slab, as applicable. That means you earn every single day. We pay out this interest every month.

Hurry! 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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