IDFC FIRST Bank vs Smart Plus.
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
IDFC FIRST Bank
Manage your finances with a comprehensive mobile banking app. Perform instant payments, track expenses, build wealth through investments, and access loans and insurance. Enjoy zero-fee banking services and personalized offers.
- One-Swipe Banking for account management
- Instant payments and UPI transfers
- Zero fee banking services
- Expense tracking and categorization
- Investment portfolio management
- Instant personal loans
- In-app flight & hotel booking
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Welcome to IDFC FIRST Bank’s Mobile Banking App. Enjoy a fast and seamless online banking experience, with integrated banking services and exciting features. Experience the joy of: * One-Swipe Banking: Swipe to view your account balances & manage credit card/debit card details, deposits, investments, etc * Instant Payments & Transfers: Make secure payments, UPI transfers, and bill payments * Zero Fee Banking: Enjoy free Savings Account services, such as money transfers, cheque re-issuance, debit card issuance, and ATM withdrawals * Tracking Expenses: Monitor cash flow with over 20 automatically categorised transaction types. Link FIRST WOW! & Digital Rupay Credit Card with UPI, earn cashback & rewards on every payment. * Auto-Sweep Current Accounts: BRAVO Current Accounts with Auto-Sweep to FD for higher interest rates * Building Wealth: One screen view of your investment portfolio. Get curated investment recommendations based on your risk profile * Personalised Offers: Get exciting offers across dining, lifestyle, travel & more * Instant Personal Loans: Avail pre-approved loan offers at attractive interest rates & flexible tenures * Fixed Deposit: Open an FD in 3 quick steps. Invest online & get guaranteed returns. Smart App Features and Services 1. Secure Fund Transfers & Payments * Free fund transfers to any bank account without adding beneficiary * Easy bill payment and recharge – mobile recharge, DTH & utility bills * Earn up to 10X rewards on travel/shopping spends via credit cards, redeem anytime for exclusive discounts * 3-click digital bill payments * Zero fee money transfer (मनी ट्रांसफर) to bank accounts through IMPS, NEFT, or RTGS * Send money, pay utility & credit card bills, loan EMIs, buy/recharge FASTag, using UPI * Link bank (बैंक) accounts & view your savings account (बचत खाता) balances with UPI 2. Investment, Mutual Funds & IPOs App: Explore online investment services: * Invest in Mutual Funds online with Instant SIP * Invest in equity, debt, large-cap & multi-cap * Save tax with ELSS mutual funds * Invest in Unit Linked Insurance Plans (ULIP) & Online Sovereign Gold Bonds 3. Insurance App: Buy health, bike & car insurance through our app 4. Tripstacc Benefits * Convenient in-app flight & hotel booking experience on the IDFC FIRST Bank mobile app, powered by Tripstacc * ZERO convenience fees on flight booking & earn 20 bonus points for every ₹100 spent on hotel bookings 5. Other Banking Services: * Apply for debit card & cheque book via app with nil charges. * View filtered transactions & download Smart Statement + Digest * Manage credit card payments, download statements, and redeem credit card (क्रेडिट कार्ड) rewards * Quick purchase and recharge of FASTag * Zero fee on DD & Pay order issuance & 3rd party withdrawals * No ECS return fee & decline fee at ATMs for low funds * Get personalised offers across loans * One app login for retail, MSME, Customer Service, & Relationship Management Steps to Download App & Open a Digital Banking Account (बैंक खाता): * Download the banking app & click on open savings account (सेविंग्स अकाउंट) * Register your details & get user ID & password * Log in via user ID & password or mobile number & MPIN * Set up Face ID or finger scanner (biometric) for easy log-in * SIM Binding feature for secure banking (बैंकिंग) Personal Loan Features: Loan amount: ₹20,000 to ₹40 lakhs Personal Loan Tenure: 6 to 60 months Annual Percentage Rate: 11% to 28% Representative Example: Loan amount: ₹1,00,000 Loan Tenure: 12 months Interest Rate (reducing): 20% EMI Amount: ₹9,264 Total Interest Payable: ₹11,168 Processing Fee (incl GST): ₹3,499 Disbursed Loan Amount: ₹96,501 Total Amount Payable: ₹1,11,168 Total cost of Loan (Interest + Processing Fee): ₹14,667 Disclosure: By downloading the IDFC FIRST Bank Mobile App, you agree to our Terms & Conditions, as well as IDFC FIRST Bank’s privacy policy. To go through the T&Cs, please visit https://www.idfcfirstbank.com/terms-and-conditions
Smart Plus.
Buy and sell stocks with real-time quotes and updates. This finance app allows trading in equity, commodity, currency, and futures & options, with convenient online fund transfers. Access expert research and analysis on the go.
- Real-time stock quotes
- Equity, Commodity, Currency, F&O trading
- Online fund transfers
- Expert research and analysis
- Mobile trading on the go
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Smart Plus is an app from STEEL CITY for buying and selling of stocks. STEEL CITY brings the stock market to your mobile phone through this easy-to-use app, with lots of interesting add-ons and convenient features that you will absolutely love. You will get addicted before you know it! * Get Real-Time Stock Quotes and Updates * Trade and track in Equity, Commodity, Currency, and F&O Transfer funds online STEEL CITY Smart Plus app is a unique online trading application, which offers stockbroking services with the added benefits of expert research and analysis. This app brings all the benefits of STEEL CITY to your mobile phone so you can trade conveniently on the go, anytime. Steel City Securities Ltd. SEBI Registration No. : INZ000223538 Member Codes: NSE: 08061 | BSE: 456 | MCX: 56645 | NCDEX: 01293 | MSEI: 14500
Screenshots
Verdict
The clearest difference is update cadence: IDFC FIRST Bank at every 2 weeks against Smart Plus.'s every 3 months. IDFC FIRST Bank also leads on ratings volume (3K vs 2). Smart Plus.'s advantage is monetization model (free vs free with in-app purchases) and rating (5.0 vs 4.8). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Smart Plus. holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: IDFC FIRST Bank has 3K ratings behind it against 2, so its average is the more settled of the two.
IDFC FIRST Bank ships an update every 2 weeks, Smart Plus. every 3 months. The most recent releases landed on September 23, 2026 and September 15, 2026 respectively.
| Parameter | IDFC FIRST Bank | Smart Plus. |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (3K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 53.1% of reviews | — |
| Number of ratings | 3K — better | 2 |
| Update frequency | Every 2 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 17.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 248 MB | 87 MB |
| Age rating | 4+ | 4+ |
| Developer | IDFC FIRST BANK LTD | Steel City Securities Limited |
Customer experience
IDFC FIRST Bank
Smart Plus.
Bugs and requests
IDFC FIRST Bank
Reported bugs
4 issues- Login screen freezes and infinite loops
- App not working on WiFi, only on mobile data
- Issues with adding payees and transferring funds
- Notifications and app updates not working properly
Requested features
4 requests- Display exchange rates for NRE/NRO account transfers
- Add support for iPads and larger screen devices
- Improve security without compromising user experience
- Provide better options for international customers
Smart Plus.
Not enough reviews yet to summarise bugs or requests.
In-app purchases
IDFC FIRST Bank
No in-app purchases
Smart Plus.
No in-app purchases
Questions
Is IDFC FIRST Bank free?
Is Smart Plus. free?
Which has better reviews, IDFC FIRST Bank or Smart Plus.?
Do IDFC FIRST Bank or Smart Plus. have ads?
Which is updated more often, IDFC FIRST Bank or Smart Plus.?
Other comparisons
