FIRST Millennia
FIRST Classic
FIRST Select
FIRST Wealth


  • Happy Teachers' Day! Thank you for teaching us the value of Savings

  • Home Loans, now at 6.90% p.a.

    Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans

    Home Loan
  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

Terms and Conditions - General Conditions Applicable for Accounts

  1. Unless specifically agreed with the Bank, the Account at any point in time shall not be temporarily overdrawn. The Bank may, at its discretion, allow the Account to be overdrawn to the extent agreed and advised by the Bank in writing, if the Customer has previously made arrangements with the Bank for such overdraft facility. Interest will be charged on any overdrawn Account in accordance with the Bank’s prevailing rate and practice.
  2. As per RBI guidelines the Customer is required to declare existing credit facilities with any of the Bank’s branches or any other bank. The details shall be declared in the account opening form provided with such Account. The Customer warrants to obtain the requisite no-objection certificates from such banks.
  3. Interest: The Bank shall pay interest on Savings Accounts at rates as per guidelines issued by RBI from time to time. The Bank may inform the Customer of the said rates of interest and the methods of calculation of the same on a periodic basis as may be determined by the Bank.
  4. Aadhaar Number Updation for Seeding/ Government Benefit Transfer to Account:
    • From a KYC point of view customers Aadhaar number will be updated against Personal Data;
    • To avail Direct Benefit Transfer, an Aadhaar number may be updated on one Account for the Customer and hence will not be updated if the same Aadhaar number is provided subsequently to be updated in another Account maintained with the Bank;
    • In case of joint account, Aadhaar number of only one holder will be updated for the Account;
    • Aadhar number updated in the Account will be shared with National Payment Corporation of India (NPCI) for receiving Direct Benefit Transfer credits;
    • The Bank does not take any responsibility, and will also not be liable, for any claims, if the details provided by the Customer are incorrect/incomplete.