Classic

What’s in store for you

More benefits than ever before

Banking Benefits

  • Enjoy special rates on Forex, Demat, Trading & lockers.*

  • Access to a range of Platinum Debit Card and premium Credit Cards

Digital Benefits

  • Access great discounts and CashBack with PayZapp

Investment Benefits

  • Step up your investments with our exclusive Demat & Trading Plan*

Card Privileges

  • HDFC Bank Premium Credit Card:
    Experience the exclusive privileges of HDFC Bank's Premium Banking Porgramme offerings, which include features such as accelerated reward points, multiple payment channels, fuel surcharge waivers and more.
    To check the offers on the Credit Card, click here.

  • HDFC Bank Classic Platinum Chip Debit Card:
    Enjoy the exclusive Classic embossed Platinum Chip Debit Card at nil annual charge with enhanced features.

View More

Additional Benefits

Wondering if you’re eligible?

You can opt for HDFC Bank Classic Premier Banking if you have:
Eligibility Criteria*

  • A minimum Average Monthly Balance of Rs. 1 Lakh in Savings Account
    Or
  • A minimum Average Quarterly Balance of Rs. 2 Lakhs in Current Account
    Or
  • A combined average monthly balance of Rs.5 Lakhs or more across Retail Liability Value**
    Or
  • A Total Relationship Value (TRV)*** of Rs.10 Lakhs or more
    Or
  • For Salaried Customer, Monthly net salary credit of Rs. 1 Lakh & above in HDFC Bank Corporate Salary Account#
  • HDFC Bank Programme Terms and conditions
  • *Balance is measured as a combined balance across account/s linked to your Customer ID or over the account/s of other customers linked to your "Group" (as defined in the HDFC Bank Programme Terms and conditions).
  • The tenure of the Fixed Deposits should be at least six months
  • **Retail Liability Value comprises of average quarterly balances maintained in Current accounts, average monthly balances maintained in Savings accounts and average monthly balances maintained in Fixed Deposit accounts with HDFC Bank
  • #Net Salary credit criteria is considered as monthly net salary credit in HDFC Bank Corp Salary Account
  • ***Total Relationship Value (TRV) is measured as a combined balance across account/s, investment and loans linked to your Customer ID or over the account/s of other customers linked to your “Group” (as defined in the HDFC Bank Programme Terms and Conditions)
  • Total Relationship Value (TRV) is aggregated at Customer ID or Group ID level, including -
  • Liability Relationship with HDFC Bank.
  • Mutual Funds & Investment Products value through HDFC Bank
  • 20% of Retail loan^ outstanding value availed through HDFC Bank
  • 20% of Demat balance with HDFC Bank
  • Insurance Premia of all policies with HDFC Bank
  • ^ Retail loan comprises of – Auto Loan (AL), Personal Loan (PL), Business Loan (BL), Education Loan (ED), Two-Wheeler Loan (TWL), Tractor Loan (TRL), Gold Loan (GL), Loan Against Property (LAP), Loan Against Shares (LAS) > 15 lakhs, Home Loan (HL), Consumer Durables (CD) & Business Assets (BA)
  • The new Programme eligibility criteria is effective from 1st July 2025
  • For existing groups onboarded on or before 30th June 2025, the new eligibility criteria will come into effect from 1st October 2025
  • In case any existing group is upgraded or downgraded on or after 1st July 2025, the new eligibility criteria will be applicable immediately

Know more about Classic Premier Banking Programme

Fees & Charges

  • Charges on non-maintenance of minimum Balance in Savings Accounts: NIL
  • Chequebook Issuance: NIL for Savings Account
  • Forex Transaction rates: Up to 5 paise better rate on card rate for forex transactions on select currencies. 
  • NEFT/RTGS: Nil charges through online mode. Charges applicable as per Savings / Current Account variant for outward fund transfers done through branch.
  • Click here to view more details of the fees and charges.
Investment solutions

Card Privileges

HDFC Bank Premium Credit Card:

  • Experience the exclusive privileges of HDFC Bank's Premium Banking Porgramme offerings, which include features such as accelerated reward points, multiple payment channels, fuel surcharge waivers and more.
  • To check the offers on the Credit Card, Click Here.

HDFC Bank Classic Platinum Chip Debit Card:

  • Enjoy the exclusive Classic embossed Platinum Chip Debit Card at nil annual charge with enhanced features.
Special Demat Value Plan

Banking & Digital Convenience

  • Digital convenience with NetBanking (200+ transactions), MobileBanking (120+ transactions) and more
  • Enjoy discounts and CashBack with PayZapp Mobile App, a complete payment solution which gives you the Power to Pay in One Click
  • Compare and get the lowest prices when you shop or book travel on SmartBuy, an online portal
  • Access HDFC Bank Branch Network and HDFC Bank ATM Network
Classic Speak e-Newsletter

Terms & Conditions

  • All Features and Benefits are subject to HDFC Bank Programme Terms and Conditions:
  • Loan is extended at sole discretion of HDFC Bank limited and is subject to documentation and verification as per Banks requirement.
  • Card issuance is subject to internal bank policy.
  • Up to 8 immediate Family members can be grouped together.
  • Immediate Family members are defined as:

    • Spouse – Husband, Wife 
    • Linear Ascendants – Parents of the Group Id
    • ​​​​Linear Descendants – Children 
  • Classic Banking programme shall be solely available in Metro and Urban classified branches only. 
  •  Promotional Offers for New Demat & Trading A/c Opened effective 1st Aug'23
  • *The balance for eligibility is calculated as the total combined balance across all accounts linked to your Customer ID, as well as accounts of other customers within your defined "Group" (as outlined in the HDFC Bank Programme Terms and Conditions).
  • The minimum tenure for Fixed Deposits should be at least six months.
  • #Salary credits will be evaluated individually at the Group ID level.
  • *HDFC Bank Programme Terms and Conditions apply.
  • *The (Most Important Terms and Conditions) for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose. 
Investment solutions

Frequently Asked Questions

The Classic Banking programme is open to new customers who meet the eligibility criteria. To apply, visit our nearest branch. website and fill out the online application form. You will need to provide personal information, proof of identity, address, and income. Once your application is submitted, our team will review it and get in touch with you regarding the next steps.

  • Personalised service from Personal Banker.  

  • Up to 50% off on loan processing fees.  

  • Special prices on Forex, Demat, Trading, and, Locker services.  

  • 0.20% charged for delivery brokerage and offer free Demat AMC on 1 transaction annually.    

  • Monthly statement for all accounts.  

  • Extended benefits to family members.