6/23/25, 2:52 PM Salary Account - Product Benefits and Terms of Use | IDFC FIRST Bank

Customer Service 

Product Benefits and Terms of Use

25k-50 50k & above

Category Features
Classic Plus Platinum Plus

Core Salary 25 k 50k

PADC 35L 50L

PADC
Insurance - 50L
(Nominee)

Air Accident 1 Cr 1 Cr

Monthly
Yes Yes
Interest credit

Zero Fee
Yes Yes
Banking Banking

LCL 6L 6L

PP 1L 1L

Trip
25k (Account) 50k (Account)
Cancellations

Travel
- $5000
Insurance

Travel RSA NA 4/year

Domestic
1/Quarter 2/Quarter
Airport Lounge

Welcome
2000 RP worth Rs. 500 2000 RP worth Rs. 500
Reward Points

Amazon Gift Card (Worth Rs

250): Times Prime Subscription:
Download and activate IDFC FIRST Download and activate IDFC FIRST
Account
Bank Mobile Banking App within Bank Mobile Banking App within first
Entertainment Activation
first 3 month of account opening. 3 month of account opening.
Benefit
Customer should have an active Customer should have an active
salary account (Salary > Rs salary account (Salary > Rs 50,000)
25,000)

DC & UPI Spends worth ₹5000 at DC & UPI Spends worth ₹5000 at
merchant establishment in the last merchant establishment in the last
three months. P2P transfers three months. P2P transfers through
through UPI & cash withdrawal UPI & cash withdrawal through ATM
through ATM will not be considered. will not be considered. – Renewed
Food & Swiggy One – Renewed quarterly. quarterly.
Groceries Lite
AND AND

Active Salary Account: Salary Active Salary Account: Salary

credit in last 3 consecutive months credit in last 3 consecutive months
(>25k) (>50k)

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Payment of Loan EMI or CC bill

from IDFC FIRST Bank.Customer
PaymentService 
amount >₹5000 will be considered
(3 months cumulative) – Renewed
Shopping & quarterly.
Amazon Prime NA
Entertainment
AND

Active Salary Account: Salary credit

in last 3 consecutive months (>50k)

Times Prime/Amazon Voucher : Download and activate IDFC FIRST Bank Mobile Banking App within first 3 month of account
opening. For all the benefits, customer should have an active salary account (>25K).

Swiggy One Lite: DC & UPI Spends worth ₹5000 at merchant establishment in the last three months. P2P transfers through UPI &
cash withdrawal through ATM will not be considered. – Renewed quarterly

Amazon Flagship : Payment of Loan EMI or CC bill from IDFC FIRST Bank. Payment amount >₹5000 will be considered (3 months
cumulative) – Renewed quarterly

For all the benefits, customer should have an active salary account.

1. Classic Plus : Customer should get Rs.25,000 in last 3 months

2. Platinum Plus : Customer should get >RS.50,000 in last 3 months

Redemption : Customer will get Voucher through email on their registered mobile number through Whatsapp within 30-45 days of
meeting the eligibility criteria.

The voucher will be available for redemption for 60 days after receiving. Post this, the bank will not entertain any queries regarding the
same.

PERSONAL ACCIDENT: (Death or Permanent Disability)

1. Personal Accident covers accidental death/disability due to sudden, unforeseen and involuntary event caused by external, visible and
violent means which occurs at an identifiable time and place during the period of insurance.

2. Terrorism is covered.

3. To continue enjoying this valuable insurance coverage, you will need to:

I. Receive salary credit/maintain Average Monthly Balance in your IDFC FIRST Bank account for at least two months preceding the
claim month.

II. Meet at least one of the following transaction requirements every month for the three months

• At least 1 POS/e-Commerce transaction of ₹500 or more

• At least 5 UPI merchant transactions of ₹500 or more

PERSONAL AIR ACCIDENT: (Only Death)

1. In the event of accidental death arising out of Aircraft, schedule Airlines etc. the claim would be payable only if the Air ticket is
purchased using IDFC Bank account or Debit Card (Offline/online/to Airline /Aggregator/travel agents etc) .
2. Claim would be payable only if the same is reported to the call Centre within 60 days from the date of accidental death.

LOST CARD LIABILITY:

1. The cover is valid for 7 days prior to reporting and 7 days post reporting.
2. Fraudulent utilization of lost or stolen covered Debit cards including at point of sale and merchant establishments transactions are
covered.
3. Any PIN based transactions (like ATM, Internet and telephone etc) are covered provide that PIN is acquired under duress by
unauthorized person.
4. All losses from breach of 2nd level authorization transaction are not covered excepts for UPI transactions.
5. Pre delivery fraud is not covered.
6. Coverages for cards forgotten by the customer in the ATM will be covered provided the card is used by unauthorized person using
the card number & CVV number. Claim will be paid only if video recording is received from the bank.
7. Coverage – Worldwide.

PURCHASE PROTECTION:

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6/23/25, 2:52 PM Salary Account - Product Benefits and Terms of Use | IDFC FIRST Bank
1. Cover against Standard Fire and Allied Perils and Burglary in residential premises of the cardholder as per the records of the bank
only. Customer Service 
2. Cover valid for purchases on bank debit cards only.
3. Cover is valid for 90 Days from the date of purchase.
4. Cover for residential address of the card holder as per the records of the policyholder only.
5. Available for the period of 90 days on purchase of tangible goods on card against damage or loss
6. Theft is to be covered under the policy.
7. Geographical Limit: India.

TRIP CANCELLATION COVER:

FLIGHT CANCELLATION COVER:

The Insurer will indemnify the Insured Person for flight cancellation charges if the Insured Person cancels his trip before the onset of the
trip due to Insured Person’s hospitalization or his / her family member’s hospitalization within 1 day prior to departure of the Insured
Person, death of the Insured Person family

member within 1 day prior to departure of the Insured Person, natural calamity, riot or strike at the travel origin city, Government
advisory or due to legal matter wherein the Insured Person is directly involved.

Cancellation due to any Personal Reason. The reason can be anything. There is no definition for personal reason. For this section,
family member should mean spouse, children and parents of the Insured Person.

HOTEL CANCELLATION COVER:

The Insurer will indemnify the customer for hotel cancellation charges, if the customer cancels his booking due to any reason. The
reason can be anything.

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