IDFC FIRST Bank Avis 

I had an extremely disappointing experience with IDFC Bank’s credit card service. When the card was issued, I was clearly assured that no charges would apply unless the card was activated and used. I never activated the card and never made a single transaction.

Despite this, IDFC Bank began levying annual charges, followed by penalties on those charges, unnecessarily increasing the outstanding amount. On top of this, I have been receiving frequent and unwanted payment calls, which has been stressful and feels like harassment.

What concerns me the most is that these unfair charges are being reported repeatedly, negatively impacting my CIBIL score, even though the card was never used. It is extremely frustrating to see my credit profile affected due to an issue that should not exist in the first place.

This experience feels misleading and unethical, as customers are assured one thing at the time of issuance and later trapped with hidden charges. I strongly urge others to be cautious while dealing with IDFC Bank’s credit cards.

I am requesting immediate resolution of this matter, reversal of all unfair charges and penalties, and correction of my CIBIL record at the earliest.

One star coz i cannot score in negative. Worst crappy bank ever. wont let me credit or deposit my own money need ******* proof for using my money. I AM NOT ONE OF THOSE WHO SMUGGLE OR HIDE MONEY. DO NOT TREAT MIDDLE CLASS PEOPLE LIKE SHIT. Any thing you effects only us not the rich or people involved in crap. GIVE ME MY MONEY

These idiots are calling me continuously for taking loan here in this company.

महा बकवास बैंक। महा बकवास स्टाफ। महा बकवास पॉलिसीज। Only and Only Rubbishness। Suffering for last one year.

Co. Account. Trouble in operation l, in KYC and now in Closure. Suffering and Only Suffering.

Is bank se kabhi loan nena ho to 99%
Sochano agar EMI Miss huyi to tum torchar zel nahi pavo ge!
Is BETTER BAJAJ FINESSE KARVANA.

very cheap services provided by customer care services litreally get irriated with continous phone calls for emi even after payment has been done they continously call for payment & talk very rudely.not satisfied with facility please improve system of bank for EMI.every month same issue faced by us. Worst services. Even payment correctly done the correct date,but they will charged overdue charges. Fake bank..

A fraud branch at Lok Vihar, pitampura, New Delhi.
They forge the signatures and then no responsibility even after escalation.
Pathetic Branch Manager, his Boss - his Boss - her Boss.
Theya say they don't have means to check or investigate. Though they issued Warning Letter. / Memo to the staff, can not understand on what basis they issued Warning to staff then.
Beware of your Accounts at this Branch.
I have been following up with the Management for the last 4 months since I discovered this Fraud in my Account

Very disappointing experience with IDFC First Bank

My iPhone 16 was stolen due to which I immediately called Customer Care to inform them. During the call, I clearly requested them not to block my debit card as my salary date is coming and it will credit and the card was still in my possession. Despite this clear instruction the debit card was blocked without my consent.

After this they was informed that I must visit the branch and submit a letter to unfreeze my account and net banking. Accordingly, I visited the Ram Maruti Road branch (Pincode: 400602) on Thursday, 11th December. There, I spoke with Ms. Najma Ansari, who assured me that the account would be unfrozen within 48 hours. I submitted the required letter and also requested on a priority basis, explaining that I could not wait even 48 hours.

However, my account is still not unfrozen. Since yesterday, I have been continuously calling Customer Care for updates, and now I am being told that the maximum TAT is 5 working days.

The issue clearly originated due to a mistake by Customer Care, yet the branch staff seemed unaware that this case falls under their responsibility. Ms. Najma Ansari had me sit at the branch and call Customer Care again, after which a request was raised only when Customer Care confirmed it.

Overall, this has been a highly unprofessional and frustrating experience. There is a serious lack of coordination between Customer Care and the branch team, causing unnecessary stress and inconvenience to customers.

I am fed up with the collection team and idfc services..i already completed my loan but they have put a fine of 30k+30k of ecs charges which is mpre than the iterest i already paid for the whole loan and this is just because of the collection team as they assured me that amount will not be deboted from account you can pay online .i done accordingly..but now when i wants to get my NOC the collection team,repeatidly getting msgs...idfc is harrasing me...if anything bad happened then idfc will be responsible..

Worst Bank employees. Doesn't even understand customer problems. Only harrase customers if loan defaulter by financial problems. Bank just want money not customer problems. Don't even follow RBI guidelines.

Utter hopeless and unproffesional service by car loans department Swargate brancn. No follow ups . For them customer is a follow up mechanism

My experience with IDFC First Bank has been extremely disappointing. As an NRI, the service was of no real help — every time I contacted customer care, they simply redirected me to the branch.

The branch then made the process even worse by asking for unnecessary and irrelevant documents, dragging the process without clarity, guidance, or accountability. Instead of helping, the whole system felt stressful, disorganized, and more like harassment than customer service.

If you’re considering opening or managing an NRO/NRE account with IDFC, think twice. My experience has been slow, frustrating, and far from what an NRI customer should expect.

Ita most worst bank,I forgot mine 1 loan emi then they give me fine,bit after that they cut my all balance for next emi and calling me and saying your emi is not clear yet ,that's why don't open any account in it.

I’ve been an NRI customer of IDFC FIRST Bank for several months and it has been one of the most frustrating banking experiences I’ve ever had.

Every month, my salary remittance is delayed by 3–4 days, while my colleagues banking with other institutions receive their credits on the same day. I’ve raised multiple complaints (Case #1130707582 and #1133717272), yet the issue persists.

Relationship Managers keep changing, most are unresponsive, and at times I was left without any assigned RM for weeks. Every escalation — from customer care to the Principal Nodal Officer — leads only to automated replies and empty assurances.

For a bank that markets itself as “Always You First,” this level of service is unacceptable, especially for NRI clients. I’ve now decided to move my salary account to another bank that actually values customer trust and efficiency.

#IDFCFirstBank #CustomerService #NRI

Very bad customer service, not solving customers issues.

not very transparent while opening NRE/NRO account online, while you get a email from so called relationship manager but that poor person can not help in anything...MUST BE AVOIDED

Referred by a friend, I opted for your senior citizen savings account for my mother; everything was smooth until the video KYC, where it came as a surprise, the video KYC is NOT available in any regional language, and that, I can't support her in the KYC process. What a Joke!!

I was amazed by the digital experience journey of opening a savings account from the convenience of my home, only to be let down later as part of the Video KYC process, when the staff mentioned that Video KYC is available only in English and Hindi. Unbelievable!! Please mention clearly that Video KYC is NOT available in the local languages, so that it's not misleading as part of the account opening process. I would not have gone with the account, had I known this upfront. An AI agent will be able to do this Video KYC in any regional language.

What's the problem, if I support my mother in the KYC process and it gets recorded formally? The Video KYC for senior citizen, should allow one more translator/ relation to support, if you're truly serious about extending the digital experience to Senior Citizens. Even if I go to a branch, I'll have to support my mother for the KYC process.

Which senior citizen shall be able to independently apply for a digital bank online (or) go to the branch, without any support from their blood relations and friends?

Your senior citizen offering needs a true revamp. The closing line is that we’re disappointed by this digital KYC experience; and any Senior Citizen needs help, even in the banking process, including the video KYC.

Bakwas service froud krte hai

The Bank is not suitable for NRI customers. Majority of the Employees dont know the rules and regulation of NRO/NRE account which causes only Harassment to the Customer in every steps. I am immensely frustrated and will be closing the account. Please hire properly educated and knowledgeable personnel to deal with NRI customers.

Very good customer services provided by the IDFC bank, as whenever I called on the customer care number every time it responded within 3 minutes and solved my queries as well as.