Preferred

What's in store for you

More benefits than ever before

Banking Benefits

  • Dedicated Relationship Manager will cater to all your banking and financial needs.

Lifestyle Benefits

  • Exclusive lifestyle offerings, including a Premium Credit Card, a Preferred Platinum Chip Debit Card and combined monthly SmartStatement.

Convenience Benefits

  • Get preferential pricing on a wide range of products including forex, demat, trading and locker*.

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Preferred

Additional Benefits

Wondering if you’re eligible??

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

  • A minimum Average Monthly Balance of ₹4 Lakhs in the Savings Account
    OR
  • A minimum Average Quarterly Balance of ₹6 lakhs in Current Account
    OR
  • A combined average monthly balance of ₹20 Lakhs or more across Retail Liability Value**
    OR
  • A Total Relationship Value (TRV)*** of ₹50 Lakhs or more
    OR
  • For Salaried Customer, Monthly net salary credit of ₹2 Lakhs & 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 Back.
  • #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% of 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
Preferred

Know more about Preferred Banking Programme

Fees & Charges

  • Debit Card: Annual fee per Preferred Platinum Chip Debit Card is ₹850* p.a. *Exclusive of taxes. The fees will be waived as long as you are a part of the HDFC Bank Preferred Banking Programme.
  • Non-Maintenance Charges: Nil
  • Locker: 50% discount on annual rental charge available for one locker per group.
  • Forex Rates: Up to 8 paise better rate on card rate for forex transactions on select currencies.

For more information on Fees & Charges, click here.

Exclusive Lifestyle Privileges

Family Benefits

  • To add to your delight, the features & benefits that you enjoy as a Preferred Banking customer can be extended to your family members as well. Just speak to your Preferred Premier Relationship Manager to add the accounts of your immediate family members to your group.

My Account My Choice

  • This unique feature provides the facility of choosing your own account number. It can be your wedding anniversary date, mobile number or any other number of your choice.
  • Eligibility Criteria: This feature is available to all the new Preferred Banking Programme customers with initial funding ₹5,00,000 for Savings Accounts and ₹10,00,000 for Current Accounts
Exclusive Lifestyle Privileges

Banking Solutions for your Business

  • Comprehensive Business solutions such as Loan Against Property, Loan Against Rent Receivables, Working Capital, Cash Management Services, E – net, Trade Services, Merchant Point of Sale (POS: Point of Sale) Terminals, Internet Payment Gateway and Corporate Salary Accounts.
My Account My Choice

Special Demat Value Plan

  • Step up your investments with our exclusive Demat & Trading Plan. Trade for free - Get 12L of Free cash volume (up to 90 days), Delivery brokerage (post free volume) - 0.15% with Demat AMC Free (on 1 transaction p.a.). Check out more details on our Special Demat Value Plan.
  • Please contact your Relationship Manager to avail of preferential rates.
Additional Features

Banking and Digital Convenience

Note: 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
  • Promotional Offers for New Demat & Trading A/c Opened effective 1st Aug'23
  • *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 tenor of the Fixed Deposits should be at least six months.
  • Salary credit will be considered individually at Group Id level.
Preferred Banking Helpline

Most Important Terms and Conditions

  • *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.
  • **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.
  • # Salary credit will be considered individually at Group Id level.

Jump to the fast lane through our dedicated phone bankers

  • Toll free number: 1800 266 3310
  • Servicing Window: 8 am to 8 pm
Preferred Banking Helpline

Frequently Asked Questions

Applying for a the Preferred Banking Programme is easy. Speak to your Relationship Manager or visit your nearest HDFC Bank branch.

Key benefits of the Preferred Banking Programme

  • Personalised service from relationship manager.

  • Up to 50% off on loan processing fees.

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

  • 0.15% charged for delivery brokerage and offer free Demat AMC on 1 transaction annually. 

  • Monthly SmartStatement for all accounts.

  • Extended benefits to family members.