IDFC FIRST Bank Digital Savings Account Review: ₹10K vs ₹25K (2025)
🏦 What is IDFC FIRST Bank Digital Savings Account?
The IDFC FIRST Bank Digital Savings Account is a 100% online, paperless savings account that comes with a high-interest rate, modern digital banking features, and zero to low maintenance charges. In 2025, the bank offers two key variants – ₹10,000 and ₹25,000 minimum balance accounts – both of which provide great benefits depending on your usage.
✨ Key Features at a Glance
- 🏦 Open instantly via Aadhaar + PAN
- 📱 Mobile banking app with UPI, bill pay, FD/RD
- 💰 Earn up to 7% interest p.a.
- 🧾 Free virtual debit card + physical card (Visa)
- 🚀 Unlimited IMPS/NEFT/RTGS for free
- 🔒 Secure login with fingerprint and Face ID
💳 Minimum Balance Requirements
IDFC FIRST offers two popular variants:
- ₹10,000 Account: Ideal for new users or students
- ₹25,000 Account: Great for regular savers, offers more perks
⚖️ ₹10K vs ₹25K IDFC FIRST Account – Comparison Table
| Feature | ₹10,000 Variant | ₹25,000 Variant |
|---|---|---|
| Minimum Balance | ₹10,000 | ₹25,000 |
| Interest Rate | Up to 7% p.a. | Up to 7% p.a. |
| ATM Withdrawals | Unlimited/month | Unlimited/month |
| Debit Card | Visa Classic | Visa Platinum |
| Card Charges | Free | Free |
| Offers & Rewards | Basic | Premium Offers & Deals |
| Personal Banker | No | Yes (On Request) |
| Best For | Budget Users | Power Users |
📃 Fees & Charges (As of 2025)
- ✔️ Account Opening: Free
- ✔️ Debit Card Issuance: Free (Lifetime)
- ✔️ IMPS/NEFT/RTGS: Free Unlimited
- ❌ Non-Maintenance Charge: ₹250/month if below required balance
- ✔️ Statement, Cheque Book: Optional & Free (limited)
🗣️ Customer Reviews (2025)
“I opened my IDFC FIRST account in just 5 minutes with Aadhaar & PAN. No paperwork, and the app works flawlessly.” – Ramesh B., Bangalore
“The 7% interest is real! Money grows faster and the ₹25K account gives me Visa Platinum with good cashback deals.” – Priya S., Mumbai
📝 How to Apply Online?
- Visit the official IDFC FIRST account opening page
- Enter Aadhaar + PAN & complete video KYC
- Select ₹10K or ₹25K variant
- Get account number instantly + debit card delivered
📥 Apply Now
📌 Final Verdict
If you’re looking for a feature-rich, digital-first savings account with excellent interest rates and minimal paperwork, IDFC FIRST Bank Digital Savings Account is a solid pick. Choose ₹10K if you’re a budget user, or ₹25K if you want more premium perks.
