Unlock smarter banking with zero balance salary account

If you’ve got a zero-balance account, chances are you already enjoy freedom from minimum balance fees. But are you truly making the most of it? Many salaried professionals miss out on valuable perks, such as cashback, discounts, and premium subscriptions, and still end up paying hidden or avoidable banking charges.

This article will show you how to best use your salary account to unlock free perks and reduce unnecessary deductions, all without complicated finance know-how. Moreover, explore how the IDFC FIRST Bank Corporate Salary Account can help you stretch your salary further with rewards on everyday spends, effortless savings, and fewer fees.

From passive to powerful: Make your salary account more than just a paycheck destination
 

A zero-balance salary account is already a relief from minimum balance worries and penalty fees. But the real value comes when you start making the most of the perks it offers:

1. Earn cashback and rewards on everything from groceries and food delivery to travel bookings
2. Get monthly interest credits on your balance - even if it’s not large 
3. Benefit from fee-free transfers, unlimited ATM withdrawals and more
4. Access premium subscriptions and lifestyle offers that add value beyond just banking 

If you’re looking for the best account for salary, make sure your bank supports all these features.

Why choose IDFC FIRST Bank Corporate Salary Account
 

IDFC FIRST Bank Corporate Salary Account comes in two variants to suit your needs:

1. Platinum Plus
2. Classic Plus

Both variants come with zero fees on salary account services and monthly interest that gets credited to your account. They also offer unlimited TM withdrawals, high daily limits, and zero fees on digital transfers like IMPS and RTGS. These features make it one of the best accounts for salary-earning professionals who want both rewards and savings.

Moreover, the Platinum Plus variant offers complimentary memberships for Times Prime, Swiggy One Lite and Amazon Prime. In contrast, the Classic Plus variant offers complimentary Times Prime and Swiggy One Lite memberships. 

With Swiggy One Lite, enjoy benefits like 10 free deliveries on qualifying orders and up to 30% extra discounts at thousands of restaurants.

Cashback on purchases: Savings with minimal effort

Paying for your purchases through your salary account can help you earn cashback. This turns your regular expenses into opportunities to save, with almost no extra effort on your part. It’s one of the features that makes it the best account for salary earners who want automatic value.

Minimise charges with the best account for salary earners

Say goodbye to hidden fees and unnecessary charges that quietly reduce your hard-earned salary. The IDFC FIRST Bank Corporate Salary Account offers:

1. Zero charges on all salary account transactions, including IMPS, RTGS and UPI
2. Unlimited and free ATM withdrawal limits 
3. Complimentary SMS alerts and cheque books 

This helps you avoid surprise deductions and makes banking stress-free - one of the reasons it's regarded as the best account for salary earners seeking value.

Automate savings and earn interest

You don’t need to actively manage your money to grow it. With IDFC FIRST Bank, you can automate savings transfers and still earn monthly interest on your balance, even if it’s not a high amount. It’s one of the key traits of the best account for salary earners who want set-and-forget savings.

Lifestyle perks that go beyond basic banking

Banking with IDFC FIRST Bank means you also get lifestyle benefits like:

1. Personal accident insurance coverage of up to ₹35 lakhs (Classic Plus) 
2. Air accident insurance up to ₹1 crore
3. Lost card liability and purchase protection coverage 
4. Access to domestic airport lounges up to two times in a quarter
5. Trip cancellation benefits up to ₹25,000 (Classic Plus) 
6. Complimentary subscriptions to services like Times Prime, Amazon Gift Card, Swiggy One Lite and Amazon Prime
7. Invitations to exclusive events and movie premieres

Track and activate perks easily with the mobile app

The IDFC FIRST Bank Mobile Banking App makes it easy to discover, activate, and track offers and rewards. Plus, you’ll get alerts on new deals, so you don’t miss any opportunity to save. It’s another reason why many consider it the best account for salary earners who value digital ease.

Perks at a glance: What your IDFC FIRST Bank Corporate Salary Account offers
 

Make your salary account work harder for you
 

Your salary account should be more than just a place to receive your paycheck. With the IDFC FIRST Bank Corporate Salary Account, you get a zero-balance account loaded with cashback, lifestyle perks and smart financial benefits. The easy-to-use mobile app helps you unlock these features without the stress of complicated banking.

Why settle for less? Make the most of the best account for salary-earning professionals who want free perks and fewer deductions, because your money should always go further.

What makes IDFC FIRST Bank Corporate Salary Accounts stand out?

1. Zero fee banking on all salary account services, including IMPS, RTGS, and SMS alerts 
2. Earn monthly interest credits on your savings with competitive interest rates
3. Enjoy free and unlimited ATM access and higher daily ATM and POS limits 
4. Access 250+ banking services via India’s #1 rated mobile banking app
5. Complimentary subscriptions to Times Prime, Swiggy One Lite, Amazon Prime, and 20+ other premium services 
6. Personal accident insurance coverage up to ₹50 lakhs and air accident cover of ₹1 crore
7. Lost card liability protection up to ₹6 lakhs and purchase protection up to ₹1 lakh 
8. Complimentary domestic airport lounge access up to two times every quarter
9. VISA Platinum Debit Card with Platinum Plus variant and VISA Classic Debit Card with Classic Plus variant to ensure seamless payments across physical and online merchants 
10. Recognised among the World’s Best Banks 2025 by Forbes in partnership with Statista