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WhatsApp banking

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Say ‘Hi 👋’ on WhatsApp at 9555 555 555 & we’ll get back to you instantly

Track Requests

Track Requests

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View & track all your past and active service requests.

Raise a Request

Raise a Request

Right Arrow

Facing issues? Let us know how we can help you

Locate Us

Locate Us

Right Arrow

Locate your nearest IDFC FIRST Bank branches and ATMs

Add a compliment

Add a compliment

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Our customers are talking, and we think you’ll like what they’re saying.

Customer care

Customer care

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We will be happy to help you 24x7.

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Get instant help for all your queries in one place

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No AMB Savings Account

Save, spend and bank smarter

High Interest up to 7% p.a. Monthly Interest Credits Instant Account Opening #1 Mobile Banking App in India
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Get Quantum+ Savings Account
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What is Quantum+ Savings Account?

Quantum+ is a Savings Account that gives you the freedom to bank without maintaining a minimum monthly balance.

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Designed to offer more than a regular savings account, it combines competitive interest rates, monthly interest credits, an FD-backed Credit Card (optional) with cashback benefits, and a seamless digital banking experience through the IDFC FIRST Bank Mobile App.

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Why Choose Quantum+?

No AMB Requirement

Bank freely, with no minimum balance requirement

Up to 7% Interest Rate per annum

On your Savings Account Balance

Instant Account opening

Open account in minutes with the IDFC FIRST Bank Mobile App

Lifetime Free Quantum+ Credit Card​

An FD-backed, assured credit card (optional) with up to 2% cashback on everyday spends​

No.1 Banking App in India

Manage your money, investments and more all from one App.

Monthly Interest Credits

Interest is calculated daily and credited monthly for faster compounding

How to open Quantum+ Savings Account?

Start

Click here

Download our Mobile App

Enter your details

Complete Video KYC

Your Account is ready!

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Quantum+ Debit Card

A stylish and secure debit card designed for everyday convenience

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Quantum+ Debit Card

A stylish and secure debit card designed for everyday convenience

  • Zero Issuance charges
  • Daily purchase limit: ₹2,00,000
  • Daily ATM withdrawal limit: ₹1,00,000
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FD-backed Credit Card Popup

Quantum+ Credit Card

Earn up to 2% cashback. Zero Joining & Annual Fee.

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FD-backed Credit Card Popup

Quantum+ Credit Card

Earn up to 2% cashback. Zero Joining & Annual Fee.

  • Upto 2% cashback on online spends
  • 1% cashback on UPI spends done via Bank App or in-store spends
  • 0.5% cashback on select categories
  • Earn up to ₹6,000 cashback annually
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One App for all your banking needs

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1.12 million+ happy users

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Understanding your Quantum+ Savings Account charges

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Simple, Smart, Rewarding

Quantum+
Savings Account

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Unconditional No AMB Account

Enjoy flexible everyday banking with no minimum balance requirement with Quantum+ Savings Account

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Pay Only for What You Use

Transparent, usage-based pricing for Savings A/c service charges.

Higher Interest on Savings

Earn competitive interest rates designed to help your money grow faster.

Monthly Interest Credits

Benefit from monthly compounding to accelerate your savings growth.

Complimentary Debit Card (First Year)

Get a sleek, secure debit card for seamless everyday transactions.

VISA Classic Debit Card Limits

 • Up to ₹2 lakh daily purchase limit
 • Up to ₹1 lakh daily ATM withdrawal limit

Free Cheque Book

Receive a complimentary 10-leaf cheque book with your welcome kit.

Bank Anytime, Anywhere

Enjoy complete control with the IDFC FIRST Bank Mobile App - secure, intuitive, and always accessible.

More From Your Fixed Deposit

Unlock a lifetime free credit card and earn up to 2% cashback on everyday spends

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Frequently Asked Questions

What is Quantum+ Savings Account?

Quantum+ is a flexible savings account that offers zero balance account benefits, monthly interest credits and a seamless digital banking experience. You are not required to maintain any minimum average balance in your Quantum+ Savings Account.

Why should I choose Quantum+ Savings Account?

Quantum+ offers a compelling combination of zero balance banking, attractive interest rates, monthly interest credits and a convenient digital banking experience.

How is a Quantum+ Savings Account different from a regular savings account?

Quantum+ offers the flexibility of banking without maintaining a minimum balance, along with benefits such as high interest rates, monthly interest credits and a fully digital banking experience. Quantum+ also comes with a FD-backed lifetime free credit card (optional).

Who can open a Quantum+ Savings Account?

The Quantum+ Savings Account is available to eligible resident individuals above 18 years of age who meet the Bank's eligibility criteria and KYC requirements. Valid PAN, Aadhaar and mobile number linked to Aadhaar are mandatory. Customers should not have any Current Account or Savings Account or FD relationship.

Why am I seeing a funding request while opening the Quantum+ Account? Isn't it a Zero Balance Account?

Yes, Quantum+ is a Zero Balance Savings Account, which means you are not required to maintain a minimum balance in your account. However, you may be asked to make an initial deposit during the account opening process. This is not a minimum balance requirement, not an account opening fee, and not a charge for maintaining your account. The money remains in your account and is fully available for you to use after your account is opened.

My Quantum+ Account opening was unsuccessful after payment. When will I receive my refund?

If your payment was successfully debited but the account opening could not be completed, the amount will be automatically refunded to your original payment method within 5 business days.

How much interest will I earn on my Quantum+ Savings Account?

You will earn interest as per the prevailing savings account interest rates applicable at IDFC FIRST Bank. For the latest interest rates, please visit: https://www.idfcfirst.bank.in/personal-banking/accounts/savings-account/interest-rate

What type of debit card will I receive with my Quantum+ Savings Account?

A Visa Classic Debit Card is issued with the Quantum+ Savings Account.

The debit card comes with the following transaction limits:

• ATM Cash Withdrawal Limit: ₹1 lakh per day

• PoS/E-commerce Purchase Limit: ₹2 lakh per day

Complimentary insurance benefits, such as personal accident insurance, air accident insurance, lost card liability cover, or purchase protection cover will not be available with this debit card.

Will I be charged for debit card?

The debit card is issued free of charge in the first year. From the second year onwards, an annual debit card fee will be applicable as per the Bank's prevailing Schedule of Charges. [Refer: https://www.idfcfirst.bank.in/personal-banking/accounts/savings-account/quantum-plus-savings-account/fees-and-charges]

How can I open a Quantum+ Savings Account? Can I open it at a branch?

Quantum+ Savings Account can be opened only through the IDFC FIRST Bank Mobile Banking App. While branch staff can assist you with downloading the app, the account opening process is completely digital and cannot be completed at a branch.

What documents are required to open a Quantum+ Savings Account?

To open a Quantum+ Savings Account, you will need: PAN Card, Aadhaar and Mobile number linked to Aadhaar. To complete Video KYC, you will need your original PAN card.

Can I convert my existing account to Quantum+ Savings Account?

This product is only available for new-to-bank customers. Existing Savings Account Holders will not be able to open or convert to Quantum+ Savings account.

Can I open a Quantum+ Savings Account on the Bank’s website?

No, the account opening journey is on IDFC FIRST Bank’s mobile application only

How long does Quantum+ Savings Account opening take?

The Quantum+ Savings Account can be opened digitally within a few minutes, subject to successful verification and completion of the account opening process.

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