Five Nights at Freddy's 2

Welcome to IDFC FIRST Bank's Mobile Banking App. Enjoy a fast and seamless online banking experience, with integrated banking services and exciting features.

Experience the joy of:

• One-Swipe Banking: Swipe to view your account balances & manage credit card/debit card details, deposits, investments, etc
• Instant Payments & Transfers: Make secure payments, UPI transfers, and bill payments
• Zero Fee Banking: Enjoy free Savings Account services, such as money transfers, cheque re-issuance, debit card issuance, and ATM withdrawals
• Tracking Expenses: Monitor cash flow with over 20 automatically categorised transaction types. Link FIRST WOW! & Digital Rupay Credit Card with UPI, earn cashback & rewards on every payment.
• Auto-Sweep Current Accounts: BRAVO Current Accounts with Auto-Sweep to FD for higher interest rates
• Building Wealth: One screen view of your investment portfolio. Get curated investment recommendations based on your risk profile
• Personalised Offers: Get exciting offers across dining, lifestyle, travel & more
• Instant Personal Loans: Avail pre-approved loan offers at attractive interest rates & flexible tenures
• Fixed Deposit: Open an FD in 3 quick steps. Invest online & get guaranteed returns.

Smart App Features and Services

1. Secure Fund Transfers & Payments

• Free fund transfers to any bank account without adding beneficiary
• Easy bill payment and recharge – mobile recharge, DTH & utility bills
• Earn up to 10X rewards on travel/shopping spends via credit cards, redeem anytime for exclusive discounts
• 3-click digital bill payments
• Zero fee money transfer to bank accounts through IMPS, NEFT, or RTGS
• Send money, pay utility & credit card bills, loan EMIs, buy/recharge FASTag, using UPI
• Link bank accounts & view your savings account balances with UPI

2. Investment, Mutual Funds & IPOs App

Explore online investment services:

• Invest in Mutual Funds online with Instant SIP
• Invest in equity, debt, large-cap & multi-cap
• Save tax with ELSS mutual funds
• Invest in Unit Linked Insurance Plans (ULIP) & Online Sovereign Gold Bonds

3. Insurance App

Buy health, bike & car insurance through our app

4. Tripstacc Benefits

• Convenient in-app flight & hotel booking experience on the IDFC FIRST Bank mobile app, powered by Tripstacc
• ZERO convenience fees on flight booking & earn 20 bonus points for every ₹100 spent on hotel bookings

5. Other Banking Services

• Apply for debit card & cheque book via app with nil charges.
• View filtered transactions & download Smart Statement + Digest
• Manage credit card payments, download statements, and redeem credit card rewards
• Quick purchase and recharge of FASTag
• Zero fee on DD & Pay order issuance & 3rd party withdrawals
• No ECS return fee & decline fee at ATMs for low funds
• Get personalised offers across loans
• One app login for retail, MSME, Customer Service, & Relationship Management

Steps to Download App & Open a Digital Banking Account

• Download the banking app & click on open savings account
• Register your details & get user ID & password
• Log in via user ID & password or mobile number & MPIN
• Set up Face ID or finger scanner (biometric) for easy log-in
• SIM Binding feature for secure banking

Personal Loan Features

• Loan amount: ₹20,000 to ₹40 lakhs
• Personal Loan Tenure: 6 to 60 months
• Annual Percentage Rate: 11% to 28%

Representative Example

• Loan amount: ₹1,00,000
• Loan Tenure: 12 months
• Interest Rate (reducing): 20%
• EMI Amount: ₹9,264
• Total Interest Payable: ₹11,168
• Processing Fee (incl GST): ₹3,499
• Disbursed Loan Amount: ₹96,501
• Total Amount Payable: ₹1,11,168
• Total cost of Loan (Interest + Processing Fee): ₹14,667

Disclosure

By downloading the IDFC FIRST Bank Mobile App, you agree to our Terms & Conditions, as well as IDFC FIRST Bank's privacy policy. To go through the T&Cs, please visit https://www.idfcfirstbank.com/terms-and-conditions