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IDFC FIRST BankPremium banking programme

IDFC FIRST Select Banking Programme

IDFC FIRST Bank's Select relationship programme combines dedicated banking support, investment access, family banking, preferential pricing and a complimentary FIRST Select Debit Card under explicit relationship-value criteria.

First-party evidencePublished researchReviewed September 9, 2026Active
Relationship-value requirementQualify through any one current route at customer/group level: ₹3 lakh savings AMB, ₹5 lakh CASA AMB, ₹7.5 lakh AUM, ₹15 lakh ORV, or ₹2 lakh net monthly corporate salary credit.
Programme cost / fee treatmentNo separate programme-membership fee is highlighted on the reviewed current programme page; individual products and services can retain their own charges.
Programme / linked-product limitsThe programme itself is relationship-based; the linked FIRST Select Debit Card currently publishes ₹5 lakh daily ATM and ₹10 lakh POS purchase limits.
Maintenance / downgrade ruleThe bank explicitly includes the FIRST Select Debit Card in the programme; family-member balances can contribute when categorized in the same relationship/group.
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Relationship-value requirementQualify through any one current route at customer/group level: ₹3 lakh savings AMB, ₹5 lakh CASA AMB, ₹7.5 lakh AUM, ₹15 lakh ORV, or ₹2 lakh net monthly corporate salary credit.
02 · Programme cost / fee treatmentNo separate programme-membership fee is highlighted on the reviewed current programme page; individual products and services can retain their own charges.
03 · Programme / linked-product limitsThe programme itself is relationship-based; the linked FIRST Select Debit Card currently publishes ₹5 lakh daily ATM and ₹10 lakh POS purchase limits.
04 · Maintenance / downgrade ruleThe bank explicitly includes the FIRST Select Debit Card in the programme; family-member balances can contribute when categorized in the same relationship/group.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Programme cost / fee treatmentNo separate programme-membership fee is highlighted on the reviewed current programme page; individual products and services can retain their own charges.
Relationship-value requirementQualify through any one current route at customer/group level: ₹3 lakh savings AMB, ₹5 lakh CASA AMB, ₹7.5 lakh AUM, ₹15 lakh ORV, or ₹2 lakh net monthly corporate salary credit.
Programme privilegesDedicated relationship manager, preferential loan/forex pricing, family banking, locker discounts, doorstep banking, curated investments, lifestyle/travel privileges, complimentary FIRST Select Debit Card and access to a lifetime-free premium credit-card proposition subject to card eligibility.
Programme / linked-product limitsThe programme itself is relationship-based; the linked FIRST Select Debit Card currently publishes ₹5 lakh daily ATM and ₹10 lakh POS purchase limits.
Programme eligibilityAny one of the published AMB/CASA/AUM/ORV/salary criteria may qualify at customer or eligible group level under current IDFC FIRST terms.
Maintenance / downgrade ruleThe bank explicitly includes the FIRST Select Debit Card in the programme; family-member balances can contribute when categorized in the same relationship/group.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Customers who can naturally maintain the Select relationship threshold and will use its banking, debit-card, investment and service privileges without parking extra funds only to qualify.

Verify before relying
  • Qualification is relationship-value based and can change if balances, investments or salary credits fall below the current programme criteria.
  • Access to a premium credit card is not an automatic card approval or a claim that a specific credit-card variant is guaranteed.
  • Individual lounge, insurance, forex, locker and other product benefits retain separate terms.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Complimentary FIRST Select debit card

IDFC FIRST Select Debit Card

IDFC FIRST Bank explicitly presents the FIRST Select Debit Card as a complimentary card within the FIRST Select banking programme.

Programme qualification can be met through current AMB, CASA, AUM, ORV or salary criteria; individual lounge, insurance and card-usage conditions remain separate.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.