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Free cash deposit upto 12x maintained AMB

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Gold Current Account

Give your growing business a Current Account that supports everyday banking without unnecessary charges. The IDFC FIRST Bank Gold Current Account offers nil charges on 40+ commonly used Current Account services and free cash deposit up to 12 times the current month’s AMB, helping you manage transactions with greater flexibility. From Internet and Mobile Banking to Payment and Collection solutions, WhatsApp Banking, trade forex solutions, and Beyond Banking services, Gold Current Account is designed to make business banking simpler and more efficient. Open your Gold Current Account online and take the next step towards smarter business banking with IDFC FIRST Bank. Read more

Why Choose Gold Current Account

Empower your enterprise with the ultimate current account solution

All-in-one App

A single app with 100+ features that meet both personal and business financial needs

Free Cash Deposit

Enjoy Free Cash deposit limit of 12 times of current month AMB

Zero Fee Banking

Save on banking charges with free NEFT,RTGS and IMPS transactions

Bank from Anywhere

Every branch is the home branch, ready to serve you.

VISA Platinum Debit card

Daily ATM limit of ₹1 Lakh and Purchase limit of ₹2 Lakhs

Cash Management Solutions

Benefit from a suite of payment and collection solutions to optimize your cashflows

What makes Gold Current Account more Rewarding

Exclusively tailored benefits for strong businesses that are set to grow

All benefits are available on maintenance of average monthly balance of ₹ 50,000

Visa Platinum Debit Card -
Perks & Benefits

The Gold Current Account comes with a Visa Platinum Debit Card that offers a range of travel, protection, and transaction benefits designed to support both business and personal banking needs.

Complimentary domestic airport lounge access once every quarter, providing added convenience for frequent travellers

Personal Accidental Insurance cover of ₹35 lakh and Air Accidental Insurance cover of ₹1 crore, subject to applicable terms and conditions

Higher daily purchase limit of up to ₹2 Lakh and an ATM withdrawal limit of up to ₹1 Lakh for greater liquidity and flexibility

Unlimited and free transactions in any IDFC FIRST Bank ATM across India

Get Started with
Your Gold Current Account

Who can apply?

The following constitutions are broadly eligible to open an account:

Hindu Undivided Family (H.U.F.)

Sole proprietorship

Partnership

OPC / Private / Limited Company

Limited Liability Partnership

Resident Individual

How to open the Gold Current Account Online

Opening a Gold Current account online is simple. The following are both online and offline processes:

Online
Offline

Step 1

Click on the "Open Account" link to start your journey

Step 2

Fill in basic details like pin code, email ID, mobile number, and business name

Step 3

Our bank representative will contact you to complete the process and assist your through the process

Prefer offline assistance? Visit your nearest IDFC FIRST Bank branch to get started.

Locate your nearest IDFC FIRST Bank branch

Documents Required for Gold Current Account

The Gold Current Account is available to businesses, professionals, firms, companies, trusts, societies, and other eligible entities.

2 documents in the name of Entity

Address proof in the name of entity

Proprietor Document – (Photo, PAN copy and 1 OVD document copy)

Nature of Industry proof (In case not indicative in Entity documents, please check for Invoice Copy, Bill of Entry, Freight Invoice, Agreement Copy)

The final document list may vary by current account variant and regulatory requirements.

Click here to learn more about required documents.

Gold Current Account Fees & Charges

Standard charges

Gold

Average Monthly Balance (AMB) requirement

₹50,000

Charges for non-maintenance of required balance

₹ 1,000 + Std charges applicable

Cash deposit free limit

12 times current month's AMB

Cash deposit charges beyond free limit

₹3 per ₹1,000 (minimum ₹50)

Standard charges applicable

Cash withdrawal

Free

Cheque book issuance – Free limit

Free up to 25 cheque leaves per month

Cheque book issuance – Charges beyond free limit

₹2 per leaf

Free

Cheque return charges

Issued cheques: Up to 2nd return – ₹500 per cheque; 3rd return onwards – ₹750 per cheque. Deposited cheques: ₹200 per cheque

Free

ECS/NACH return charges

Up to 3 returns – ₹350 per instance; 4th return onwards – ₹750 per instance

Free

Click here to read the Schedule of Charges Fees and Charges

Find out about our minimal and transparent fees & charges View Fees & Charges

The Golden Edge for your Business

The IDFC FIRST Bank Gold Current Account is structured to meet the banking requirements of growing businesses. It offers features that support daily transactions and help manage operational costs.

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Frequently Asked Questions

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Min. Balance

Eligibility

Charges

Transactions

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What is the minimum AMB for IDFC FIRST Bank Gold Current Account?

The minimum Average Monthly Balance (AMB) requirement for IDFC FIRST Bank’s Gold Current Account is ₹ 50,000. The perks of this account are only accessible on maintenance of AMB.

Who is eligible to open a Gold Current Account with IDFC FIRST Bank?

The Gold Current Account is specifically designed for the following constitutions:

Sole proprietorships

Partnerships

Limited Liability Partnerships (LLPs)

One Person Companies (OPC) and Private/ Limited Companies

Hindu Undivided Families (H.U.F)

Resident Individuals

What are the zero-charge services on the Gold Current Account?

Zero charges are applicable to more than 40 banking services with the Gold Current Account. The list includes but is not limited to, debit card annual fees, cash withdrawal at non-home branches, ATM transaction charges, and bill payment through Net banking.

What is the free cash deposit limit on a Gold Current Account?

IDFC FIRST Bank’s free cash deposit limit on a Gold Current Account is 12 times the current month AMB with no restriction on the maximum amount.

Which digital banking features are available with the Gold Current Account?

The IDFC FIRST Bank enables free NEFT, RTGS, and IMPS transactions and offers a unified Internet and Mobile Banking platform that provides preferential trade and forex pricing

Can I switch from a Silver Plus to a Gold Current Account?

You can upgrade from a Silver Plus to a Gold Current Account. However, the switch necessitates stepping up to a higher Minimum Average Balance (MAB) and adapting to the upgraded transaction limits.

How does the Gold Current Account compare to the Platinum Current Account?

The Gold Current Account is suitable for growing businesses that want value-led banking with a ₹50,000 AMB and free cash deposit of up to 12 times the current month’s AMB.

The Platinum Current Account is better suited for businesses with higher balances and cash deposit needs. It comes with a ₹2 lakh AMB, free cash deposit of up to 15 times the current month’s AMB, and the BRAVO Auto-Sweep FD facility to help surplus funds earn more while staying accessible.

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ON A MISSION TO BUILD THE WORLD’S MOST

CUSTOMER FRIENDLY BANK

Save More with Zero-Fee Banking on 40+ Services

Free cash deposit upto 12x maintained AMB

Optimize Cash Flows with Payment and Collection Solutions

Gold Current Account

Why Choose Gold Current Account

All-in-one App

Free Cash Deposit

Zero Fee Banking

Bank from Anywhere

VISA Platinum Debit card

Cash Management Solutions

What makes Gold Current Account more Rewarding

Zero charges on 40+ commonly used Current Account services

Access your accounts anywhere, anytime. Just send a 'Hi' to 95555 55555 on WhatsApp

Free Visa Platinum Debit Card with 1 lounge access per quarter

Complimentary insurance with the debit card

Preferential Trade & Forex pricing

Leverage our Payment and Collection solutions to optimise your business

We offer Beyond Banking offerings to suit your enterprise's needs.

Visa Platinum Debit Card - Perks & Benefits

Get Started with Your Gold Current Account

Who can apply?

How to open the Gold Current Account Online

Step 1

Step 2

Step 3

Documents Required for Gold Current Account

Gold Current Account Fees & Charges

The Golden Edge for your Business

Lower Banking Costs

Higher Cash Deposit Flexibility

Premium Debit Card Benefits

Seamless Fund Transfers

Enhanced Transaction Limits

Preferential Trade & Forex Pricing

Smart Payment & Collection Solutions

Blogs

Frequently Asked Questions

What is the minimum AMB for IDFC FIRST Bank Gold Current Account?

Who is eligible to open a Gold Current Account with IDFC FIRST Bank?

What are the zero-charge services on the Gold Current Account?

What is the free cash deposit limit on a Gold Current Account?

Which digital banking features are available with the Gold Current Account?

Can I switch from a Silver Plus to a Gold Current Account?

How does the Gold Current Account compare to the Platinum Current Account?

Get in touch with us

Visa Platinum Debit Card -
Perks & Benefits

Get Started with
Your Gold Current Account