PRIME
Ultimate Spends Plan.
Free physical debit card
3% back 1 on in-app UPI & Debit Card spends (up to ₹1000/month)
Unlimited transactions at 0 Forex charges
Priority customer support
Free chequebook3
Eligibility
Upgrade to Prime by maintaining ₹1,00,000 in your savings account.
INFINITE
One plan. Limitless benefits.
Free physical debit card
2% back 1 on in-app UPI & debit card spends (up to ₹500/month)
Unlimited transactions at 0 Forex charges
Priority customer support
Free chequebook3
Eligibility
Upgrade to Infinite by maintaining ₹50,000 in your savings account.
PLUS
Start Small, Earn Big
Free virtual debit card
1% back 1 on in-app UPI & debit card spends (up to ₹100/month)
Zero Forex charges2
Free chequebook3
Eligibility
Upgrade to Plus by maintaining ₹25,000 in your savings account.
STANDARD
The Plan for everyone
Free virtual debit card
Low Forex charges
No hidden fees 🔎
About Standard Plans
If you're a Min KYC account holder, you will only be able to access the 'Standard' Plan. On completing your Video KYC, you will be eligible to upgrade your Plan to 'Plus' or 'Infinite'
REGULAR
About Regular Plan
Maintain an average monthly balance of ₹5,000 to avoid a monthly fee of up to ₹200 (capped at ₹1,000 per year)

Effective 1st June 2025, this fee will change to up to ₹300/month with no annual cap.
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Heading
Rewards
Average Monthly Balance
Physical Debit Card Issuance Fees
Physical Debit Card Annual Fee
Virtual Debit Card Charges
Forex charges2
Customer support
Chequebook
Prime
Rewards
3% back1 on in-app UPI & Debit Card spends (up to ₹1000/month)
Average Monthly Balance
₹1,00,000
Physical Debit Card Issuance Fees
₹0
Physical Debit Card Annual Fee
₹0
Virtual Debit Card Charges
Waived off
Forex charges2
Unlimited transactions at 0 Forex charges
Customer support
Priority customer support
Chequebook
1st chequebook with 10 leaves is free3
Infinite
Rewards
2% back1 on in-app UPI & Debit Card spends (up to ₹500/month)
Average Monthly Balance
₹50,000
Physical Debit Card Issuance Fees
₹0
Physical Debit Card Annual Fee
₹0
Virtual Debit Card Charges
Waived off
Forex charges2
Unlimited transactions at 0 Forex charges
Customer support
Priority customer support
Chequebook
1st chequebook with 10 leaves is free3
Plus
Rewards
1% back1 on in-app UPI & Debit Card spends (up to ₹100/month)
Average Monthly Balance
₹25,000
Physical Debit Card Issuance Fees
₹299
Physical Debit Card Annual Fee
₹1994
Virtual Debit Card Charges
Waived off
Forex charges2
Spend up to ₹30,000 globally at 0 Forex charges
Customer support
Standard Support
Chequebook
1st chequebook with 10 leaves is free3
Standard
Rewards
None
Average Monthly Balance
₹0
Physical Debit Card Issuance Fees
₹299
Physical Debit Card Annual Fee
₹299
Virtual Debit Card Charges
Waived off
Forex charges2
A 3.5% markup will be charged on international spends
Customer support
Standard Support
Chequebook
₹100 for a chequebook with 10 leaves
Regular
Rewards
None
Average Monthly Balance
₹5000
Physical Debit Card Issuance Fees
₹299
Physical Debit Card Annual Fee
₹399
Virtual Debit Card Charges
₹3995
Forex charges2
A 3.5% markup will be charged on international spends
Customer support
Standard Support
Chequebook
₹100 for a chequebook with 10 leaves
Note: Additional GST & other taxes will be applicable on these charges
1as Fi-Coins which can be converted to Brand Vouchers or Travel Miles

23.5% forex markup will be charged on all international debit card transactions at first. It will be reversed for eligible users within 30 days. All crypto transactions will be charged a 3.5% markup.

3Cheque Book charges of ₹100 will be collected from the user but reversed within 30 days.

4The Debit Card Annual Maintenance Charge is waived if your Debit Card spends (excluding domestic ATM withdrawals) exceed ₹25,000 in the 12 months leading up to your card’s anniversary date.

5If you already have a physical Fi-Federal Debit Card, you won’t be charged an annual maintenance fee for your virtual debit card. Starting June 1, 2025, the fees for a virtual debit card (if applicable) will be charged annually on the card’s anniversary date.

On select plans, there are no charges or penalties on Fi for not maintaining a minimum balance. We will just update your plan as per your account balance & notify you on the app.
For a detailed breakdown of fees, check our super transparent fee structure here
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Products on our platform

Details

Unified Payments Interface (UPI)

Epifi Technologies Pvt. Ltd ('Epifi Tech') is a Third-Party App Provider ('TPAP') - and acts as a service provider and participates in UPI through a Payment Service Provider ('PSP') Bank (Federal Bank).

Savings Account and Deposits

Federal Bank offers savings account, fixed deposits and smart deposits to users on the Fi App (through Epifi Tech). Users' savings account and deposits are securely opened with Federal Bank.

Epifi Tech itself is not a bank and doesn't hold or claim to have a banking license.

Cards

Fi Brand Pvt. Ltd. markets and distributes co-branded cards in partnership with Federal Bank and Visa. Cards are issued by Federal Bank.

Loans

Epifi Tech facilitates loan distribution and acts as a lending service provider and/or digital lending application for various Banks, registered NBFCs and NBFC-P2P ('Lenders') List of Lenders.

Epifi Tech only provides a platform that enables you to avail instant loans. Epifi Tech is not a lender; neither does it represent to be a lender in its own capacity. The Lenders provide you personal loans as per their policies

Mutual Funds

Epifi Wealth Pvt. Ltd. ('Epifi Wealth') is a registered investment adviser and provides a platform for mutual funds investment. Epifi Wealth has partnered with MFCentral to provide mutual funds analyser to users.

Loans Against Mutual Funds

Epifi Tech in partnership with regulated entities including Epifi Wealth and Bajaj Finserv provides a platform for loans against mutual funds.

Bajaj Finserv is a registered NBFC and provides loans as per their policies.

US Stocks

Epifi Tech has partnered with US stock broker Alpaca Securities LLC to provide users the option to invest in US stocks.

Connected Accounts

Epifi Wealth (as a financial information user), in partnership with Finvu and Onemoney, provides users the option to link their existing financial accounts on Fi.

Credit Analyser

Epifi Tech (as a non-specified user) in partnership with Experian and CIBIL provides insights on users' credit scores

Fi-Coins

Fi-Coins are earned under a reward programme for engaging with products and services on the Fi App.

Fi Store

Fi-Coins can be redeemed on products and services listed on Fi Store such as merchandise, gift cards, air miles, among other things.

Insights

1. Net Worth: Helps users get a view of their financial Net Worth — in accordance with their assets & liabilities

2. Wealth Maximiser: Analyses your finances, shares financial reports to make informed money decisions

These products are governed by our Terms and ConditionsPrivacy Policy, and any other product and partner specific terms and conditions as communicated to you.

©epiFi Technologies Pvt. Ltd. 2025

Fi is a money management platform that offers the perfect solution for all your financial needs. The Federal Bank Savings Account offered through Fi is an online savings account that you can open in 3 minutes! It goes beyond online account opening, as it has helped reimagine the banking experience in India

Through Fi, you can do more: apply for an instant personal loan, pick from many types of Mutual Funds, select the best SIP to invest in US Stocks, apply for a forex-free Debit Card (works for select account plans) to use while travelling abroad, analyse/improve their portfolio, get a 360-degree view of your spend insights and take steps building wealth.

You can also utilise Fi's free personal loan resources, such as the Personal Loan and EMI calculator, before proceeding to the quick loan application process. All of this is why over 35 lakh Indians feel that Fi is the only financial app you will ever need.

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