Fees & Charges of Premium Current Account
Enclosed below are HDFC Bank Premium Current Account fees and charges
| Feature | Details |
|---|---|
| Average Quarterly Balance (AQB) | ₹25,000 |
| Non-Maintenance Charges (Per Quarter) | ₹ 1,800 |
Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB
Download Fees & Charges effective 1st August’2025
Cash Transactions
| Feature | Details |
|---|---|
| Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit) | Free up to ₹3 Lakh or 25 transactions (whichever is breached first) at any HDFC Bank Branch / Cash Recycler Machines; Beyond free limits, standard charges @ ₹4 per ₹1000, minimum ₹50 per transaction beyond free limits |
| 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 |
| Operational Limit for Cash Deposit @ Non-Home Branch (Per Day) | ₹ 25,000 |
| Cash Withdrawal Limit @ Home Branch | Free |
| Cash Withdrawal Limit @ Non-Home Branch (Daily Limit) | ₹ 25,000/day Charges beyond limit: ₹ 2 per ₹ 1,000 (Min ₹ 50 per transaction) |
| Daily Third-Party Cash Withdrawal Limit @ Non-Home Branch | ₹ 50,000 per transaction |
**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.
Non-Cash Transactions
| Feature | Details |
|---|---|
| Local / Intercity Cheque Collection, Payments & Fund Transfer | Free |
| Bulk Transactions – Monthly Free Limit | Free up to 75 transactions; Charges @ ₹35 per transaction beyond free limits |
| Cheque Leaves – Monthly Free Limit | Free up to 100 cheque leaves Charges beyond limit: ₹ 3 per leaf |
| Outstation Cheque Collection @ Clean Location (Per Instrument) | Up to ₹ 25,000 – ₹ 50 ₹ 25,001 to ₹ 1,00,000 – ₹ 100 Above ₹ 1,00,000 – ₹ 150 |
| Demand Drafts (DD)/Pay Orders (PO) @ Bank Location | No free limit Charges: ₹ 1 per ₹ 1,000 (Min ₹ 50, Max ₹ 3,000 per instrument) |
| Demand Drafts (DD) @ Correspondent Bank Location | ₹ 2 per ₹ 1,000 (Min ₹ 50 per instrument) |
* Bulk transactions include count of all Cheque clearing and Fund Transfer Transactions.
NEFT / RTGS / IMPS Transactions
| Transaction Type | Charges |
|---|---|
| NEFT Payments | 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 |
| RTGS Payments | Free on NetBanking & Mobile Banking; Branch Banking = ₹2 Lakh to ₹5 Lakh: ₹20 per transaction, Above ₹5 Lakh: ₹45 per transaction |
| IMPS Payments | Up to ₹1000: ₹2.5, Above ₹1000 up to ₹1 Lakh: ₹5, Above ₹1 Lakh up to ₹2 Lakh: ₹15 |
| NEFT / RTGS / IMPS Collections | Free |
Debit Cards
| Feature | Business Card | ATM Card |
|---|---|---|
| Annual Fee per Card | ₹ 350 + taxes | Free |
| Daily ATM Withdrawal Limit | ₹ 1,00,000 | ₹10,000 |
| Daily POS (Merchant) Spend Limit | ₹ 5,00,000 | Not Applicable |
| Eligibility | Available for partnership firms & limited companies If MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) must sign jointly |
- *For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.
- For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect.
- *Revised Business Debit Card charges are effective from 1st August’2024
ATM Usage
| ATM Type | Charges |
|---|---|
| HDFC Bank ATMs | Unlimited Free Transactions |
| Non-HDFC Bank ATMs | No Free Limit Charges: ₹ 21 per transaction (financial or non-financial) |
Note: With effect from 1st May 2025, ATM transaction charge rate beyond free limit of ₹21 + taxes would be revised to ₹23 + taxes, wherever applicable.
Account Closure Charges
| Closure Period | Charges |
|---|---|
| Up to 14 days | No Charge |
| 15 days to 6 months | ₹ 500 |
| 6 months to 12 months | ₹ 250 |
| Beyond 12 months | No Charge |
Fees & Charges (Past Records)
Click here to view Fees & Charges for Premium Current Account before 1st October’23
Click here to view Fees & Charges for Premium Current Account before 1st December’2024
Click here to view Fees & Charges for Premium Current Account before 1st August’2025
Click here to read the Terms & Conditions of a Premium Current Account