Are you ready for some exciting benefits and deals?
What's in store for you
Wondering if you are eligible for this card?
Documents required to get you started
To open Flexi Current Account online in India, please ensure you have the following documents handy:
Fees and Charges of Flexi Current Account
| Description of Charges | Flexi Current Account | |
|---|---|---|
| Minimum Balance (Average Monthly Balance) | ₹75,000 per month | |
| Non-Maintenance Charges per month | ₹1,000 per month | |
| Mode of calculation of minimum average monthly balance | Average of daily closing balances of each day spread over 1 month. | |
| Cheque Book Charges (Issued by Bank) (Customers can request a maximum of 100 cheque leaves through NetBanking. For requests above 100 cheque leaves, customers need to visit the branch.) |
Payable-at-par 100 cheque leaves Free per month. Charges ₹2 per leaf beyond 100 leaves. |
|
| Other Current Account Facilities | ||
| Account Statement | Free (Monthly) | |
| Duplicate/Ad Hoc Statement | ||
| Requests through Direct Banking Channels | ₹50 per statement through ATM/Mobile Banking/Net Banking and Phone Banking (IVR) | |
| At branch or PhoneBanking (Non-IVR) | ₹100 per statement through Branch; ₹75 per statement through PhoneBanking (Non-IVR) | |
| Hold Statement Facility | ₹400 per year | |
| Remittance facility through own Bank | ||
| Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD | Free up to 40 DDs per month. Above 40 DDs, charges at ₹25 per Demand draft. | |
| Pay Orders (PO) - on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO | Free up to 40 POs per month. Above 40 POs, charges at ₹25 per Pay Order. | |
| Issuance of DD/ PO through PhoneBanking | All standard charges for DD / PO are applicable as above. Only DD / PO amounts up to ₹500,000 are accepted at Phone Banking. |
|
| DD/PO-Cancellation/Revalidation | ₹60 per instance | |
| NEFT Transactions | ||
| Payments (At branch) | Free on NetBanking & Mobile Banking; Branch Banking = Up to ₹10K: ₹2 per transaction, Above ₹10K up to ₹1 Lakh: ₹4 per transaction, Above ₹1 Lakh up to ₹2 Lakh: ₹14 per transaction, Above ₹2 Lakh: ₹24 per transaction | |
| Collections | Free | |
| RTGS Transactions: | ||
| Payments (At branch) | Free on NetBanking & Mobile Banking; Branch Banking = ₹2 Lakh to ₹5 Lakh: ₹20 per transaction, Above ₹5 Lakh: ₹45 per transaction | |
| Collections | Free | |
| NEFT/RTGS payments are free through NetBanking | ||
| Local Transactions (At home branch location) | ||
| Local cheque collections and payments | Free | |
| Account to Account Fund Transfer within HDFC Bank | Free | |
| Anywhere Transactions | ||
| Payments at HDFC Bank Locations | Free | |
| Account to Account fund Transfer within HDFC Bank Location | Free | |
| Collection at all HDFC Bank Locations | Free | |
| Bulk Transactions (Monthly Limit) | Free up to 250 transactions; Charges @ ₹35 per transaction beyond free limits | |
| Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) | ₹1.50 per ₹1,000 , Minimum ₹50 per DD | |
| DD-Cancellation / Revalidation | ₹100 per instrument | |
| Cheque Collection | ||
| Outstation Cheque Collection at Bank Locations | Instrument Value | Charges |
| Any Amount | ₹20 per instrument | |
| Outstation Cheque Collection at Correspondent Bank Location | Instrument Value | Charges |
| Up to ₹35,000 | ₹50 per instrument | |
| Above ₹35,000 and up to ₹1 lakh | ₹100 per instrument | |
| Above ₹1 lakh | ₹150 per instrument | |
| Outstation Cheque Collection at Clean Location | Instrument Value | Charges |
| Up to ₹25,000 | ₹50 per instrument | |
| Above ₹25,000 and up to ₹1 lakh | ₹100 per instrument | |
| Above ₹1 lakh | ₹150 per instrument | |
| Cheque Collection through Speed Clearing | Instrument Value | Charges |
| Up to ₹1 lakh | Free | |
| Above ₹1 lakh | ₹15 per instrument | |
| Bouncing of cheques- Local | ||
| Cheques Drawn on us | ||
| Due to Insufficient Funds | Up to 2 instruments per month: ₹500 per instrument 3rd instrument onwards: ₹750 per instrument |
|
| Due to Technical Reasons | No Charge | |
| Cheques Deposited Returned Unpaid | Local Cheque: ₹100 per instrument Outstation Cheque: ₹150 per instrument |
|
| Doorstep Banking ** | ||
| Cash Pickup Charges (within municipal city limits) | ||
| Cash Pickup up to ₹1 lakh | ₹150 per pickup | |
| Cash Pickup beyond ₹1 lakh and up to ₹2 lakh | ₹200 per pickup | |
| Cash Pickup beyond ₹2 lakh and up to ₹3 lakh | ₹300 per pickup | |
| Cash beyond the above limits can be offered, for further details on charges please contact your Branch Manager | ||
| Cash Transactions | ||
| Cash Deposit | ||
| Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) | Free up to 10 times of Current Month AMB or 50 transactions, whichever is lower at any HDFC Bank Branch / Cash Recycler Machines; Beyond free limits, standard charges @ ₹4 per ₹1000, minimum ₹50 per transaction beyond free limits | |
| Limit on Inter-Branch deposits (Within Home Branch City | Cash deposit at non-home Branches within home branch city subject to maximum of ₹1,00,000 per account per day |
|
| Cash deposit in low denomination coins and notes i.e. ₹20 and below @ any HDFC Bank Branch (Monthly) | Cash deposit in notes = Nil free limits; chargeable at 4% of cash deposit in low denomination notes Cash deposit in coins = Nil free limits; chargeable at 5% of cash deposit in coins |
|
Free Cash deposit limit will lapse for the account if AQB/AMB/HAB maintained is less than 75% of required product AQB/AMB/HAB i.e. Customers will be charged from the 1st transaction of the cash deposit. **Effective 1st August 2025, ₹50/- per transaction would be applicable for Cash Deposits through Cash Recycler Machines during 11 PM to 7 AM on all calendar days. |
||
| Cash Withdrawal | ||
| Cash Withdrawal-Home Branch | Free at Home Branch | |
| Cash Withdrawal-Non-Home Branch-Intracity and Intercity | Free cash withdrawals up to ₹50,000 per day, beyond which charges at ₹2 per ₹1000, min ₹50 per transaction (Only for incremental amount) Third-party cash withdrawal is allowed only up to maximum ₹50,000 per transaction. |
|
| Miscellaneous | ||
| Balance enquiry | ₹25 | |
| TDS Certificate | Free | |
| Balance Confirmation Certificate | ₹50 | |
| Interest Certificate | ₹50 | |
| Cheque Status per instance | ₹25 | |
| Photo Verification | ₹100 per instance | |
| Address Confirmation | ₹100 per instance | |
| Signature Verification | ₹100 per instance | |
| Setting up of Standing Instructions | Nil | |
| Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address) | ₹50 per instance | |
| TIN/IPIN Regeneration (requests received at the branch for physical dispatch) | ||
| SI rejects | Up to 3 returns - 350/instance 4th return onward 750/instance |
|
| ECS (Debit) Return Charges (Quarterly Charges) |
Up to 3 returns - ₹350/ instance 4th return onward ₹750 /instance |
|
| Old Records / Copy of Paid Cheque | ||
| ₹200 per record | ||
| Common Charges for Debit / ATM Cards | ||
| Replacement of damaged card | Free | |
| Replacement of Lost card | ₹200 | |
| Copy Retrieval Request | ₹100 | |
| Re-Issuance of PIN | ₹50 (plus taxes) | |
| ATM Usage: | ||
| Transaction Type | Balance Inquiry | Cash Withdrawal |
| HDFC Bank ATMs | Free | Free |
| Non-HDFC Bank ATMs | ||
| Domestic | 3 transaction in 6 Cities** and 5 transactions in other than above cities free per month, beyond which charges applicable at ₹20 per transaction | |
| Note: **6 Cities- Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered. | ||
| International* *The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/MasterCard wholesale exchange rate prevailing at the time of transaction |
₹25 per transaction | ₹125 per transaction |
| Transaction Decline Charge (at Non HDFC Bank ATMs) | ₹25 per transaction | |
| Insta Alert / Mobile Banking | ||
| Insta Alert | Nil | |
| Other Current Account facilities | ||
| Stop Payment Charges | ||
| Particular cheque | ₹100 (Free through phone-banking) | |
| Range of cheques | ₹250 (Free through phone-banking) | |
| Account Closure: | ||
| Up to 14 days | No Charge | |
| 15 days to 6 months | ₹1,000 | |
| 6 months up to 12 months | ₹500 | |
| Beyond 12 months | No Charge | |
| Activation of Dormant / inoperative account | No Charge | |
| Charges on all IMPS Outgoing transactions: | ||
| Up to ₹1000 | ₹2.5 | |
| Above ₹1000 up to ₹1 Lakh | ₹5 | |
| Above ₹1 Lakh up to ₹2 Lakh | ₹15 | |
All charges are exclusive of GST as applicable from time to time
+For accounts maintaining AMB less than ₹75,000/- as of previous qtr will be charged Rs.25 each for next 3 montly statement
**Available at Select locations.You need to register with the Bank for availing these services, please contact your Branch Manager for further details.
Fees and Charges (Past Records)
Download Fees & Charges effective 1st August’25
Click here to view Fees & Charges for Flexi Current Account before 1st January’ 2016
Click here to view change in Fees & Charges for Flexi Current Account before 1st March’ 2015
Click here to view Fees & Charges for Flexi Current Account before 1st December, 2014
Click here to view Fees & Charges for Flexi Current Account before 1st November, 2013
Click here to view charges applicable before 1st September,2010
Download Fees & Charges effective 1st November'22
Download fees & charges effective 1st October'23
Download Fees & Charges effective 1st December'24
Click here to read the Terms and Conditions of Flexi Current Account.
Frequently Asked Questions
The Flexi Current Account requires a minimum balance, specifically an average monthly balance of ₹75,000.
The Flexi Current Account mandates maintaining an average monthly balance of ₹75,000. Failure to meet this requirement incurs non-maintenance charges of ₹1,000 per month.