Features
- Zero Balance Account →No minimum balance – use your full salary freely
- High Interest →Up to ~6.5% p.a. (credited monthly)
- Free Debit Card →High limits up to ₹6 lakh/day
- Unlimited ATM Withdrawals →Withdraw from any ATM across India
- Insurance Benefits →Air accident cover up to ₹1 Cr →Personal accident cover up to ₹50 Lakh →Lost card & purchase protection
- 100% Digital Banking →Mobile & internet banking anytime
- Zero Fee Banking →No charges on most services
- Rewards & Offers →Earn reward points + 10X benefits on spends
- Premium Benefits →Get access to Times Prime, Swiggy One, Amazon Prime*
- Quick Account Opening →100% online with Aadhaar & PAN
Fees & Charges
- Zero Balance for salaried professional
- Initial Funding 10,000 to 25,000 for other customer
Target Audience
- Age: 25 & above
- Type: Salaried & Self Employed
- Credit Score: 720 & above
- Income: 8-10+ LPA
Application Process
- Recommend IDFC FIRST Bank account & share your tracking link with customers.
- Customer Enters Details: →"Name →Mobile →Email →Pincode" Customer is redirected to IDFC FIRST Bank website. Register & Apply: →Enter Aadhaar-linked mobile, →Email, →Aadhaar Complete KYC Details: →PAN & Address →Branch selection →Marital status & mother’s name →Professional details (income, job, qualification)
- Choose Savings Account Type: →₹10,000 funding option →₹25,000 balance option
- Fund Account (Optional): →Add funds or choose “I fund later”
- Complete Video KYC: →Receive KYC link →Allow camera/location access →Join video call with bank agent →Show documents & complete verification
- Account Activation: →After verification, account is opened & details shared via SMS/Email.
Documents Required
1. PAN Card
2. Aadhaar Card
3. Mobile Number (linked with Aadhaar)
Terms & Conditions
1. Available only for new users (User should not have any existing relationship with IDFC Bank)
2. Your customer should open a IDFC saving account through your tracking link
3. The account should be opened only with a customer phone
4. You should not open multiple accounts from single device. If this happens then the lead of the concerned person will be rejected.
5. Customer has to use the same mobile number from starting to end process
6. Customer phone number must be linked with Aadhaar Card
7. If you do not meet all eligibility criteria you will not get any commission
8. No frauds, In case of such activity: Fake account opening, misleading communication, Incentivized leads or account opening
9. If we find that you are paying your customer to open an account. Your Banksathi account will be immediately freezed and all your earnings will be blocked.
