Imperia

What's in store for you

More benefits than ever before

Wealth Management Services

  • Get assistance from a Wealth Relationship Manager for all your investments, including portfolio management, Mutual Funds & insurance products*

  • Get customised and comprehensive investment information across diverse asset categories

Family Benefits

  • Personalised attention from a dedicated Imperia relationship manager

  • Extend your premium benefits to your family members*

Lifestyle Benefits

  • Access to a super premium range of HDFC Bank Debit and Credit Cards

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Additional Benefits

Wondering if you are eligible?

You can opt for the HDFC Bank Imperia Banking Programme if you have:

  • A minimum Average Monthly Balance of ₹10 lakhs in Savings account
    OR
  • A minimum Average Quarterly Balance of ₹15 lakhs in Current account
    OR
  • A combined average monthly balance of ₹30 Lakhs or more across your retail liability value**
    OR
  • A Total Relationship Value (TRV)*** of ₹1 Crore or more
    OR
  • For Salaried customer, monthly net salary credit of ₹3 lakhs & above in HDFC Bank Corp salary account#


HDFC Bank Imperia banking 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 -
1) Liability Relationship with HDFC Bank
2) Mutual Funds & Investment Products value through HDFC Bank
3) 20% of Retail loan^ outstanding value availed through HDFC Bank
4) 20% Demat Balance with HDFC Bank
5) 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 Imperia Banking Programme

Fees & Charges

  • Charges on non-maintenance of minimum Balance in Savings Accounts: NIL

  • ATM / Debit card Pin Regeneration Charges (Green PIN/ Physical PIN): NIL

  • Transactions on Domestic ATM: No charges for usage of HDFC Bank as well as Non HDFC Bank ATMs

  • Chequebook issuance: Nil charges for Savings Account

  • Click here to view more details of the fees and charges.

Exclusive Lifestyle Privileges designed for you

Banking & Digital Convenience

  • Exclusive Imperia PhoneBanking Service gives you the freedom to do almost anything over the phone – balance enquiry, loan-related queries, bill payment etc. (N. 1800 266 3310)

  • Digital convenience with NetBanking (200+ transactions), MobileBanking (120+ transactions) and more

  • Great 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

Exclusive Lifestyle Privileges designed for you

Terms and Conditions

All Features and Benefits are subject to HDFC Bank Programme Terms and Conditions:

  • 1. Loan is extended at sole discretion of HDFC Bank limited and is subject to documentation and verification as per Banks requirement.

  • 2. Card issuance is subject to internal bank policy.

  • 3. 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

  • 4. Promotional Offers for New Demat & Trading A/c Opened effective 1st Aug'23

  • *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.
Exclusive Lifestyle Privileges designed for you

Frequently Asked Questions

Speak to your relationship manager or contact the nearest HDFC Bank branch to apply. To get started, fill up the online Imperia application form or contact the nearest HDFC Bank branch. NRI/PIO customers -  Apply Online.

As an Imperia Banking customer, you'll enjoy:

  • Personalised attention from a dedicated Imperia Client relationship manager
  • Comprehensive wealth management services 
  • Preferential pricing on various products and services
  • Access to InvestTrack through Net Banking for investment overview, investment solutions and reports
  • Trade for free with ₹25 lakh of free cash volume up to 90 days
  • 0.10% charged as delivery brokerage post free volume with Lifetime Free demat account