IDFC first Bank Zero Balance Account Online Opening | Idfc first bank ATM Card | Debit Card

Описание: Here’s a comprehensive guide to opening an online savings account with IDFC First Bank—including details on debit cards and cheque books:


1. Opening an Account Online

Zero‑paper, video‑KYC process
You can open the account 100% online using IDFC First Bank's app or website. During registration, you’ll upload Aadhaar + PAN and connect via video call for KYC. The account opens instantly afterward .

Required documents & details

Aadhaar (or Virtual ID)

PAN card

Your mobile number (linked to Aadhaar) .


Account variants & minimum balance

₹10,000 Minimum Monthly Average Balance (MAB): Classic/Visa Classic debit card

₹25,000 MAB: Signature/Visa Signature debit card

Zero-balance accounts: Salary, Pratham (BSBDA), Future First (children), etc.—some carry zero minimum balance .


Welcome kit
Includes debit card and cheque book (typically 10 leaves, optional more) sent to your address. No home branch concept—services can be handled at any branch .


2. Debit Card Features

Type depends on account tier

Classic (₹10K): Visa Classic free for life (if minimum balance maintained)

Signature (₹25K): Visa Signature with higher limits .


Transaction limits & perks

Daily POS (signature tier): up to ₹6 lakh

Daily ATM withdrawals (signature): up to ₹2 lakh

Cashback & rewards:

2% cashback (up to ₹1,500) on debit card spends in first 90 days

FIRST Rewards program: earn points on every spend—10× on select merchants


Free unlimited ATM withdrawals, NEFT/IMPS, zero charges on various services .


High-tier Wealth/Select cards
Also available with premium features like airport lounge access, insurance benefits, debit‑card EMIs .


3. Cheque Book

Included automatically
A default cheque book (usually 10 or 20 leaves) is included in your welcome kit after account opening .

Requesting more leaves
You can request 20, 50, or 100 leaves via:

1. Internet banking → Service requests → Cheque book


2. Mobile app → More → Cheque book management


3. Customer‑care call: 1800‑419‑4332


4. SMS: CHQBK Last4Digits → 9289289960


5. WhatsApp: miss call to 95555‑55555, reply “Cheque Book Request”


6. ATM option or in‑branch request are also available .



Delivery
Dispatched via courier (DHL, BlueDart, India Post) to your registered address, typically within 3–7 working days .



4. Fees & Charges

No fees for common services
Free ATM withdrawals (all banks), NEFT/IMPS/RTGS, SMS alerts, debit card issuance, cheque book issuance/re‑issuance .

Minimum balance penalties
Applicable only if you don’t maintain the MAB; zero-balance variants avoid this .

Interest rates
Very competitive—up to 7–7.25% p.a., credited monthly .



5. User Feedback

Some users praise app experience and perks for ₹25K variant:

“using it for two years, not got charged for anything”
“If you upgrade to the 25K MAB variant … you’d get free lounge access on the debit card.”



However, others report issues with branch-level operations or service delays:

“Really bad… ironic because IDFC First Bank is known for its customer support … yet branch employees made the process a nightmare.”



Summary at a Glance

Step What Happens

1. Pick variant ₹10K (Classic) or ₹25K (Signature), or zero‑balance option
2. Online application Fill form, upload Aadhaar/PAN, video‑KYC
3. Welcome kit Debit card + cheque book sent to address
4. Activate & use Debit card with high limits, cashback, rewards
5. Cheque book Default leaves included; extra via app, calls, SMS, WhatsApp
6. Monitor MAB To keep fees waived and use perks



Final Advice

For easy online setup, high interest, and digital perks: IDFC First Bank is strong—especially at ₹25K MAB.

For zero balance & free cheque book/debit card: go with their Pratham/Salary BSBDA—no fees, but fewer premium benefits.

Stay mindful of: maintaining MAB, verifying address (for kit delivery), and potential branch-level hiccups if you ever visit in person.