Compare Federal Bank FedFirst Kids Savings Account and AU Small Finance Bank Kids Savings Account using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Families wanting a clearly age-tiered kids account with very low card limits and a bank-published debit-card fee-waiver threshold.
Families wanting a child account without account-balance non-maintenance charges and with a bank-published low daily card limit for older children.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/federal-fedfirst-kids-savings-account-vs-au-kids-savings-account/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | Federal Bank FedFirst Kids Savings Account | AU Small Finance Bank Kids Savings Account |
|---|---|---|
| Cost / charges | Current FedFirst page lists ₹1,000 AMB and zero debit-card issuance charge; the current Federal debit-card fee schedule lists Visa FedFirst AMC ₹250 with waiver at ₹35,000 POS/e-commerce spend over the prior 12 months. | Current AU Kids page states there is no account balance non-maintenance charge; debit-card and service charges follow the current account/card schedule. |
| Balance / relationship | ₹1,000 Average Monthly Balance under the current FedFirst product page, subject to the bank's current scheme/waiver rules. | No account-balance non-maintenance charge on the child's account under the current AU Kids proposition. |
| Core benefits | Contactless debit card, alerts, standing instructions, RD/SIP access, rewards/offers and banking access designed for children. | AU 0101 app/NetBanking, phone/video banking, monthly interest payout and customizable child card limits. |
| Limits / allowances | ₹2,500 daily ATM cash withdrawal and ₹10,000 daily POS/e-commerce shopping limit, including ₹5,000 contactless limit, under current FedFirst terms. | AU's current digital transaction table lists the Visa Gold Debit Card - Kids account at ₹5,000 daily transaction limit. |
| Eligibility | Children up to 18; below 10 the parent/guardian is authorized signatory, while minors above 10 may open in sole name and operate independently. | Resident child under 18 with required government-issued KYC documents; AU's savings overview states Visa Gold Debit Card availability for children above 10. |
| Ongoing relationship rule | Federal explicitly identifies the Visa FedFirst Contactless Debit Card for FedFirst customers and publishes its child limits. | AU explicitly identifies the Visa Gold Debit Card for Kids Savings customers above 10 and publishes a Kids-account-specific lower limit. |
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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Reviewed September 9, 2026 · 2 attached first-party sources
Reviewed September 9, 2026 · 3 attached first-party sources