IDBI Retail Current Account provides the flexibility of banking with the Suprema Current Account scheme. There are five different product variants available with the IDBI Current Accounts. They are
- Universal Current account
- Special Current account
- Silver Current account
- Gold Current account
- Platinum Current account
The basic features of the various IDBI Current Accounts are as follows:
Universal Current Account
- Electronic Funds Transfer can be made.
- Cash deposit limit of Rs.12 Lac per month inclusive of both home and non-home branch
- Free checkbook with 100 leaves per month
- Collection of outstation cheque on a branch and non-branch locations
- Demand Drafts on branch and other branch locations
Special Current Account
- An account holder, in this case, can get payable at par (PAP) checkbook for free and there are no charges for PAP utilization of up to Rs 75 lac per month
- No charges are levied on Electronic Funds Transfer of up to Rs 75 lac per month
- Cash deposit limit of Rs.45 Lac per month inclusive of both home and non-home branch
- Free checkbook with 300 leaves per month
- No extra charges for collection of outstation cheque on branch locations of up to Rs 50 lac per month
- Zero Charges on any branch for a maximum cash deposit of Rs 20,000 per day and cash withdrawal of Rs 1 lac per day
Silver Current Account
- No charges against PAP utilization of up to Rs 1.50 crore per month
- Electronic Funds Transfer of up to Rs 1.50 crore per month is free
- Cash deposit limit of Rs.85 Lac per month inclusive of both home and non-home branch
- Free checkbook with 400 leaves per month
- No extra cost is required for Pay Orders and Demand Drafts on RBI branch location
Gold Current Account
- PAP utilization of up to Rs 3 crore per month is free
- No charges for Electronic Funds Transfer of up to Rs 3 crore per month
- Cash deposit limit of Rs.2 Crores per month inclusive of both home and non-home branch
- Free checkbook with 500 leaves per month
- Cash deposit of Rs 50,000 per day and cash withdrawal of Rs 1 lac per day is possible at any branch
Platinum Current Account
- Utilization of PAP of up to Rs 5 crore per month and Electronic Funds Transfer of up to Rs 5 crore per month is possible without paying any extra charge
- Collection of outstation cheque on branch locations of up to Rs 1 crore per month
- Cash deposit limit of Rs.6 Crores per month inclusive of both home and non-home branch
- Free unlimited cheques
- No extra cost for Demand Drafts on non-branch locations of up to Rs 30 lac per month.