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How is your journey with IDFC Bank?

My experience with IDFC is truly awesome.
After joining here, I came to know that we can earn some RPs by paying CC bills through IDFC DC so called the IDFC customer care and asked to be enrolled in their Wealth Program but they said it’s not possible as they have variants of 10K and 25K and can only be upgraded to the Program with time and TRV.
I then sent my office staff to their branch and next day (14.05.25) the BM, RM and 2 other executives visited my home and directly enrolled me in their Wealth Program.
Being from a tier 2/3 city helped as everyone knows everyone lol.
The BM and RM know me personally. I paid 5 lakhs for the account opening and promised I will keep the balance above 10 lakhs before month end.
The app is very user friendly and fast!!
As there was no pre approved CC showing while account opening, they asked if I wanted one and I declined as ICICI was already processing EPM at that time. My CIBIL was 768.
ICICI application was rejected and CIBIL (don’t know how) came down to 726.
In June, I read here that IDFC has revalued the CCs and mainly the Private CC and the Mayura.
Took the risk and asked the BM to apply for Mayura and it was rejected by the credit team on June 30th.
I was furious and next target I gave them was to promote me to Private program.
They agreed but categorically told me they can only do it once the account is 90 days old as per their cooling period regulations.
I told them I can’t wait for 90 days😂 and they said they will try… few of my calls/texts went unanswered for almost a week (helpless junior executives always received/replied immediately) and then the Private RM and BM called to tell me they had to take a lot of trouble by taking approvals from the country head, cluster head, regional head, program head, zonal head, hammerhead, zipperhead, loggerhead and other heads of state and continents 🤣

But Private was done and dusted in 66 days of account opening and the KIT will arrive day after tomorrow. Yesterday generated the new DC PIN and paid ₹1000 via Zavo through the already existing FirstTap and received 20,000 RPs.

2 days back they came and opened wife’s account in Wealth program which will eventually be converted to Private after 90 days. I know I could have asked for Private directly but I think they get some incentive or whatever if they start with Wealth and upgrade to Private. While opening the account, few CCs showed as pre-approved and we selected the IDFC HP Power+

Yesterday RH called and took details of my other CCs, limits and PAN and promised me he will anyhow deliver a CC once the account is 90 days old. I know I can get the Mayura for free but Private CC is 50K + GST looks promising and I don’t think they can deliver it LTF even with their Worldhead’s approval 😂

PS : Don’t ask me my TRV 🫢

Important fact : Either you find a good branch with a BM who’s willing to go out of the way to deliver things or try to find someone who works in IDFC!
As a matter of fact, same rule applies to all banks I guess!
For simple banking needs, all banks are fine but once we are TechnoFinos, we never have simple banking needs for sure lol.
Is it so easy to convert from wealth to private with 10 lakhs in saving account.
 
Can you please share at what TRV your account was upgraded to private. I will look to it.
Currently, I do not have any other relationship with IDFC except for my savings account balance.
Also, not keen to share my account balance which is why I had mentioned the same in my initial post. The whole point being - Less TRV can be considered if you know the BM / RM or any other IDFC higher up or they taking extra steps to get it done!!
I hope you would understand.

Thanks
 
Currently, I do not have any other relationship with IDFC except for my savings account balance.
Also, not keen to share my account balance which is why I had mentioned the same in my initial post. The whole point being - Less TRV can be considered if you know the BM / RM or any other IDFC higher up or they taking extra steps to get it done!!
I hope you would understand.

Thanks
Bro 10 lakh toa maine bhi rakhe thee account m, but no offer for upgrading in private. I kept for like a year
 
IDFC First is a no-nonsense bank — highly recommended!
Hey thank you for the quick review. I had some more doubts 😬

If someone is looking to open an a/c how would you recommend them to proceed? Directly go to the branch? Or apply online or ask some friend's RM via that friend?

What are the salient quick differences you'd say between zero bal vs 10/20K balance a/cs? Like what features/benefits come with such accounts - like better debit cards or chances of their better LTF cards?

Also to have a 25K balance a/c - will it count it I put a 25-30K FD and leave it alone and then keep 0 to any balance in savings a/c?

And what is that insurance cover? Didn't' get it.

I have HDFC DCB - LTF, ICICI Sapphiro and Amazon Pay - LTF, Axis Atlas (planning to close it as I have to be mindful in spending only from this card and I am not okay with its 3L spend based EM credit) → what LTF IDFC card comes close to it? Or in general their better LTF cards?

Is there any IDFC card that offers movie ticket benefit on single tickets (even 15-20%)?

Do they give cards to non salaried (nor freelance income) folks based on FD/ITR?
 
Hey thank you for the quick review. I had some more doubts 😬

If someone is looking to open an a/c how would you recommend them to proceed? Directly go to the branch? Or apply online or ask some friend's RM via that friend?

What are the salient quick differences you'd say between zero bal vs 10/20K balance a/cs? Like what features/benefits come with such accounts - like better debit cards or chances of their better LTF cards?

Also to have a 25K balance a/c - will it count it I put a 25-30K FD and leave it alone and then keep 0 to any balance in savings a/c?

And what is that insurance cover? Didn't' get it.

I have HDFC DCB - LTF, ICICI Sapphiro and Amazon Pay - LTF, Axis Atlas (planning to close it as I have to be mindful in spending only from this card and I am not okay with its 3L spend based EM credit) → what LTF IDFC card comes close to it? Or in general their better LTF cards?

Is there any IDFC card that offers movie ticket benefit on single tickets (even 15-20%)?

Do they give cards to non salaried (nor freelance income) folks based on FD/ITR?
Here's my response

How to apply:
If you visit an IDFC branch, they usually won’t tell you about the ₹10K variant. And if you insist, they’ll say that it’s not available at the branch—the minimum variant they open is the ₹25K one. This isn’t right, of course, because the bank should let you open the account you want. But this is how IDFC works in practice.

So -

(1) if you’re happy with the ₹10K variant, open the account online.
(2) If you want the ₹25K variant now and plan to upgrade later (to Classic, Wealth, etc.), open offline.
(3) If you directly want to open account under Classic, wealth, private etc. programs, with high Initial deposit, open offline.
(3) If you only want the ₹25K variant and don’t plan to upgrade, then opening online is also fine.


Difference between Zero Balance and ₹10K Variant:

This is a bit tricky. In my opinion, most “zero balance” accounts are not truly zero balance. Except for Jan Dhan accounts, most will either have a one-time fee or some conditions. For example, Kotak 811 Super charges ₹300 as a subscription fee and requires at least 1 transaction per month (still a good account).

Some accounts won’t charge you upfront, but have hidden charges like SMS fees or penalties on failed transactions. In my view, the only real zero balance accounts are those offered - (1) under special limited-time offers, or (2) special conditions (e.g. IDFC Future First for Students), or (3) those that drop the balance requirement if you meet some condition—e.g., IndusInd Exclusive (which normally needs ₹1L) becomes zero balance if you link it with Indulge or Pinnacle credit card.

I got lucky and got the IDFC ₹10K account with zero balance under a special offer 🙂

Honestly, everyone should keep some money in their account for emergencies or regular use. So I think the ₹10K variant is the best choice—it gives you enough balance for liquidity, and there are no hidden charges, unlike many so-called “zero balance” accounts.


Important:
For both ₹10K and ₹25K variants of IDFC, you need to keep that much in your Savings Account. Fixed deposits won’t count. Please check with the customer care, if anything has changed.


What does “insurance” include?
It usually means lost card protection, personal accident insurance, air accident cover, etc.
You can read this to compare benefits:
👉 https://www.idfcfirstbank.com/finfirst-blogs/savings-account/25k-amb-vs-10k-amb-savings-account


About IDFC credit cards:

No lifetime-free IDFC card matches Axis Atlas. Still, IDFC cards can be useful if you want things like roadside assistance, which your current cards don’t offer. These cards won’t help you earn points quickly, but the points don’t expire, so you can slowly build up points and redeem them all at once later. If that sounds useful, you can go for one. If not, you can skip.

Among LTF Rupay options (for UPI linking) - you may consider Axis Super Money Pro, Yes Kiwi, IndusInd Platinum Rupay, or HDFC Tata Neu/ Swiggy Rupay CCs. Among non-rupay LTF options - IndusInd Tiger is a great choice.


Movie Benefits:
Some IDFC cards like Wealth offer “Buy One Get One” movie tickets (up to ₹500) when you book through Paytm Movies. Check the official offer details.


Who can get an IDFC card?
Even non-salaried people can apply. Some cards (like IDFC WOW) are available against FD too. Talk to customer care for more info.
 
Last edited:
Here's my response

How to apply:
If you visit an IDFC branch, they usually won’t tell you about the ₹10K variant. And if you insist, they’ll say that it’s not available at the branch—the minimum variant they open is the ₹25K one. This isn’t right, of course, because the bank should let you open the account you want. But this is how IDFC works in practice.

So -

(1) if you’re happy with the ₹10K variant, open the account online.
(2) If you want the ₹25K variant now and plan to upgrade later (to Classic, Wealth, etc.), open offline.
(3) If you directly want to open account under Classic, wealth, private etc. programs, with high Initial deposit, open offline.
(3) If you only want the ₹25K variant and don’t plan to upgrade, then opening online is also fine.


Difference between Zero Balance and ₹10K Variant:

This is a bit tricky. In my opinion, most “zero balance” accounts are not truly zero balance. Except for Jan Dhan accounts, most will either have a one-time fee or some conditions. For example, Kotak 811 Super charges ₹300 as a subscription fee and requires at least 1 transaction per month (still a good account).

Some accounts won’t charge you upfront, but have hidden charges like SMS fees or penalties on failed transactions. In my view, the only real zero balance accounts are those offered - (1) under special limited-time offers, or (2) special conditions (e.g. IDFC Future First for Students), or (3) those that drop the balance requirement if you meet some condition—e.g., IndusInd Exclusive (which normally needs ₹1L) becomes zero balance if you link it with Indulge or Pinnacle credit card.

I got lucky and got the IDFC ₹10K account with zero balance under a special offer 🙂

Honestly, everyone should keep some money in their account for emergencies or regular use. So I think the ₹10K variant is the best choice—it gives you enough balance for liquidity, and there are no hidden charges, unlike many so-called “zero balance” accounts.


Important:
For both ₹10K and ₹25K variants of IDFC, you need to keep that much in your Savings Account. Fixed deposits won’t count. Please check with the customer care, if anything has changed.


What does “insurance” include?
It usually means lost card protection, personal accident insurance, air accident cover, etc.
You can read this to compare benefits:
👉 https://www.idfcfirstbank.com/finfirst-blogs/savings-account/25k-amb-vs-10k-amb-savings-account


About IDFC credit cards:

No lifetime-free IDFC card matches Axis Atlas. Still, IDFC cards can be useful if you want things like roadside assistance, which your current cards don’t offer. These cards won’t help you earn points quickly, but the points don’t expire, so you can slowly build up points and redeem them all at once later. If that sounds useful, you can go for one. If not, you can skip.

Among LTF Rupay options (for UPI linking) - you may consider Axis Super Money Pro, Yes Kiwi, IndusInd Platinum Rupay, or HDFC Tata Neu/ Swiggy Rupay CCs. Among non-rupay LTF options - IndusInd Tiger is a great choice.


Movie Benefits:
Some IDFC cards like Wealth offer “Buy One Get One” movie tickets (up to ₹500) when you book through Paytm Movies. Check the official offer details.


Who can get an IDFC card?
Even non-salaried people can apply. Some cards (like IDFC WOW) are available against FD too. Talk to customer care for more info.
Very insightful.
Thanks a ton -)
 
I have their CCs and like their customer support. Calling the customer support number directly connects to a real person in the CC dept, and they will already have my details.
 
Here's my response

How to apply:
If you visit an IDFC branch, they usually won’t tell you about the ₹10K variant. And if you insist, they’ll say that it’s not available at the branch—the minimum variant they open is the ₹25K one. This isn’t right, of course, because the bank should let you open the account you want. But this is how IDFC works in practice.

So -

(1) if you’re happy with the ₹10K variant, open the account online.
(2) If you want the ₹25K variant now and plan to upgrade later (to Classic, Wealth, etc.), open offline.
(3) If you directly want to open account under Classic, wealth, private etc. programs, with high Initial deposit, open offline.
(3) If you only want the ₹25K variant and don’t plan to upgrade, then opening online is also fine.


Difference between Zero Balance and ₹10K Variant:

This is a bit tricky. In my opinion, most “zero balance” accounts are not truly zero balance. Except for Jan Dhan accounts, most will either have a one-time fee or some conditions. For example, Kotak 811 Super charges ₹300 as a subscription fee and requires at least 1 transaction per month (still a good account).

Some accounts won’t charge you upfront, but have hidden charges like SMS fees or penalties on failed transactions. In my view, the only real zero balance accounts are those offered - (1) under special limited-time offers, or (2) special conditions (e.g. IDFC Future First for Students), or (3) those that drop the balance requirement if you meet some condition—e.g., IndusInd Exclusive (which normally needs ₹1L) becomes zero balance if you link it with Indulge or Pinnacle credit card.

I got lucky and got the IDFC ₹10K account with zero balance under a special offer 🙂

Honestly, everyone should keep some money in their account for emergencies or regular use. So I think the ₹10K variant is the best choice—it gives you enough balance for liquidity, and there are no hidden charges, unlike many so-called “zero balance” accounts.


Important:
For both ₹10K and ₹25K variants of IDFC, you need to keep that much in your Savings Account. Fixed deposits won’t count. Please check with the customer care, if anything has changed.


What does “insurance” include?
It usually means lost card protection, personal accident insurance, air accident cover, etc.
You can read this to compare benefits:
👉 https://www.idfcfirstbank.com/finfirst-blogs/savings-account/25k-amb-vs-10k-amb-savings-account


About IDFC credit cards:

No lifetime-free IDFC card matches Axis Atlas. Still, IDFC cards can be useful if you want things like roadside assistance, which your current cards don’t offer. These cards won’t help you earn points quickly, but the points don’t expire, so you can slowly build up points and redeem them all at once later. If that sounds useful, you can go for one. If not, you can skip.

Among LTF Rupay options (for UPI linking) - you may consider Axis Super Money Pro, Yes Kiwi, IndusInd Platinum Rupay, or HDFC Tata Neu/ Swiggy Rupay CCs. Among non-rupay LTF options - IndusInd Tiger is a great choice.


Movie Benefits:
Some IDFC cards like Wealth offer “Buy One Get One” movie tickets (up to ₹500) when you book through Paytm Movies. Check the official offer details.


Who can get an IDFC card?
Even non-salaried people can apply. Some cards (like IDFC WOW) are available against FD too. Talk to customer care for more info.
In offline, I opened 25k MAB account so that the bank official gets motivational bonus . He agreed to make it 10k account after 3 months and he has done it also.
 
In offline, I opened 25k MAB account so that the bank official gets motivational bonus . He agreed to make it 10k account after 3 months and he has done it also.
You are 1 lucky chap..I dont think there would be many on this group sharing your kind of experience 🙂
 
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