Compare Federal Bank Stellar Savings Account and IDFC FIRST Bank Quantum+ 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.
Resident adults who can maintain the Stellar AMB and prefer a Video-KYC opening route plus wellness, insurance and debit-card benefits.
New-to-IDFC-FIRST resident adults who want a genuine zero-AMB account and are comfortable completing the entire opening journey in the bank mobile app.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/federal-stellar-savings-account-vs-idfc-first-quantum-plus-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 10, 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 10, 2026
Maintenance: Within the scheduled review window
2 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 Stellar Savings Account | IDFC FIRST Bank Quantum+ Savings Account |
|---|---|---|
| Cost / charges | Current Stellar page lists ₹350 debit-card issuance fee and ₹350 AMC, with AMC waiver at ₹1 lakh debit-card spend in the prior 12 months; current page copy also contains an older FAQ figure, so the live fee schedule/product banner should control. | No minimum average balance. The Quantum+ debit card is issued without charge in the first year; from the second year the prevailing debit-card annual fee applies. An opening funding request may appear but is not a fee or ongoing balance requirement. |
| Balance / relationship | For accounts opened from 1 November 2025, current page states ₹20,000 AMB at metro branches and ₹10,000 at urban, semi-urban and rural branches; older Stellar accounts retain the earlier ₹10,000 rule stated by the bank. | Zero AMB. Any initial funding requested during onboarding remains the customer’s usable account balance after successful opening. |
| Core benefits | Online Video-KYC opening, milestone rewards, one-year wellness package, current insurance benefits and a Stellar debit card with reward/offer features. | Monthly savings-interest credits, completely digital app onboarding, Quantum+ Visa Classic debit card, and an optional FD-backed lifetime-free Quantum+ credit-card proposition under separate terms. |
| Limits / allowances | Current page lists ₹50,000 ATM withdrawal and ₹3 lakh shopping limits on the Stellar debit card; account benefits and insurance have their own qualification/claim rules. | Quantum+ Visa Classic debit-card relationship currently lists ₹1 lakh daily ATM withdrawal and ₹2 lakh daily POS/e-commerce purchase limits. Digital opening is app-only and cannot be completed at a branch. |
| Eligibility | Retail individuals age 18+ under the reviewed current Stellar FAQ. | Eligible resident individuals age 18+ with PAN, Aadhaar and Aadhaar-linked mobile. Customers who currently hold or previously held an IDFC FIRST Savings Account or Fixed Deposit are not eligible for Quantum+ under the reviewed FAQ. |
| Ongoing relationship rule | Federal Bank savings account that can be opened via Video KYC or through a branch; Federal247 provides the bank’s broader Aadhaar/PAN Video-KYC platform. | New-to-bank digital savings proposition; exact card and optional FD-backed-credit relationship terms remain product-specific. |
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Reviewed September 10, 2026 · 2 attached first-party sources
Reviewed September 10, 2026 · 2 attached first-party sources