Product benefits*
- Zero balance Account for you and your family
- Free Personal Accident Death Cover of up to ₹15 Lakh*
- Free Personal Accident Death Cover of ₹5 Lakh* on the account
- Free Personal Accident Death Cover up to ₹10 Lakh* on debit card
- Free Air Accident Death cover of up to ₹1.25 Crore *
- Free Air Accident Death cover of ₹ 5 Lakh* on the account
- International Air Accident Death Coverage up to ₹1 Crore* on debit card
- Flexi Health insurance Plan with OPD benefits and Health Check-up Voucher at discounted rate*
- Super Top Up health insurance plan at exclusive discounted premium cost*
*T&C apply
Salary Account T&C
Debit Card linked insurance T&C
Free Millennia Debit Card worth ₹500 with exclusive offers:
- Personal Accidental Death Cover of up to ₹10 Lakh*
- International Air accident death coverage of up to ₹1 Crore*
- Up to ₹2 Lakh of Fire & Burglary Insurance and ₹2 Lakh of Travel Insurance*
- 4 Complimentary* Airport Lounge access, 1 per quarter*
- Free Personal Accident Death Cover of up to ₹15 Lakh*
- Free Personal Accident Death Cover of ₹5 Lakh* on the account
- Free Personal Accident Death Cover up to ₹10 Lakh* on debit card
- Free Air Accident Death cover of up to ₹1.25 Crore *
- Free Air Accident Death cover of ₹25 Lakh* on the account
- International Air Accident Death Coverage up to ₹1 Crore* on debit card
- Flexi Health insurance Plan with OPD benefits and Health Check-up Voucher at discounted rate*
- Super Top Up health insurance plan at exclusive discounted premium*
- Nil Demat A/c opening charges
- Waiver of AMC for the 1st year on Demat Account*
- HDFC SKY - An all-in-one trading and investment fintech platform
* Terms & Conditions apply | The above offering is only for a new Demat & Trading A/c opening
- Up to 5 ATM transactions at HDFC Bank ATMs
- 3 Free ATM transactions/month at non-HDFC Bank domestic ATMs
- Nil Demat A/c opening charges
- Waiver of Annual Maintenance Charges for the 1st year on Demat Account
* Terms & Conditions apply| The above offering is only for a new Demat & Trading A/c opening
- Get preferential pricing on loans and super premium credit cards – Click here
Exclusively curated Speciale benefits
Customers with a net salary credit of ₹1 Lakh get access to Speciale Salary suite
- Speciale Platinum Salary account for customers getting a net salary credit =>3 Lakh
- Speciale Gold salary account for customers getting a net salary credit => 1L to < 3 Lakh
All milestone offers are subject to the net monthly salary credit as given below:
- Corporate Salary A/c : >= ₹3 Lakh
- Government Salary A/c: >= ₹1.5 Lakh
Milestone 1: Taj / ITC/ Marriott voucher worth ₹5,000
Two months consecutive salary credits along with POS txn in the respective months within 90 days of A/c opening is required for getting eligible for the first milestone offer.
Following are the two scenarios in which a special salary customer can become eligible for 1st Milestone:
Scenarios for a Speciale Salary customer sourced in January:
| Jan | Feb | March | Status | ||
|---|---|---|---|---|---|
| Scenario 1 | Salary Credit | Yes | Yes | Yes | Qualified for 1st milestone offer in Feb |
| POS txn via DC | Yes | Yes | Yes |
| Jan | Feb | March | Status | ||
|---|---|---|---|---|---|
| Scenario 2 | Salary Credit | No | Yes | Yes | Qualified for1st milestone offer in March |
| POS txn via DC | No | Yes | Yes |
Milestone 2: Amazon/ Flipkart worth ₹2500
The Customer gets eligible for the offer on consecutive 3rd salary credit along with the POS Transaction via Debit Card in the same month
Milestone 3 : Ola/Uber voucher worth ₹1,000
The Customer gets eligible for the offer on consecutive 4th salary credit along with the POS Transaction via Debit Card in the same month. (T&C Apply)
Click here for T&Cs for Speciale Salary Platinum offers
All milestone offers are subject to the net monthly salary credit as given below:
Corporate Salary A/c : >= ₹1 Lakh
Government Salary A/c: >= ₹75,000
Milestone 1 : Amazon Prime/ SonyLIV/ Zee5 (12 Months OTT Membership)
Two months consecutive salary credits along with Debit Card POS/Online txn in the respective months within 90 days of A/c opening is required for getting eligible for the first milestone offer.
Following are the two scenarios in which a special salary customer can become eligible for 1st Milestone:
Scenarios for a Speciale Salary customer sourced in January:
| Jan | Feb | March | Status | ||
|---|---|---|---|---|---|
| Scenario 1 | Salary Credit | Yes | Yes | Yes | Qualified for 1st milestone offer in Feb |
| POS txn via DC | Yes | Yes | Yes |
| Jan | Feb | March | Status | ||
|---|---|---|---|---|---|
| Scenario 2 | Salary Credit | No | Yes | Yes | Qualified for 1st milestone offer in March |
| POS txn via DC | No | Yes | Yes |
Milestone 2 : Amazon/ Flipkart voucher worth ₹1,000
The Customer gets eligible for the offer on consecutive 3nd salary credit along with the POS Transaction via Debit Card in the same month
Milestone 3 : 2 complimentary movie tickets from Book My Show
The Customer gets eligible for the offer on consecutive 4th salary credit along with the POS Transaction via Debit Card in the same month. (T&C Apply)
Click here for T&Cs for Speciale Gold offers
Lifestyle Offers
Yes, you get free Domestic Airport Lounge access (Once every quarter) with your complimentary Millennia Debit Card
Enjoy lifestyle offers worth over ₹ 2200 from NetMeds, Amazon Prime, Amazon pay, PVR, Swiggy, Ixigo on activating any 5 services. Know more
*T&C apply
Fees & Charges
For consolidated Savings Fees & Charges, please click here
Common FAQs
The savings account can be operated by the account holder(s) as mentioned in the account opening form. For joint accounts, operations follow the selected mode (single / joint / either or survivor). Minor accounts are operated by the guardian until applicable.
If KYC is pending, you can complete it digitally through the link shared by HDFC Bank on SMS/Email/Whatsapp or by visiting the nearest branch with valid KYC documents. Full account features may be enabled only after KYC completion. Here is the list of accepted KYC documents: Proof of Identity:
- Aadhaar Card/Letter
- Passport
- PAN Card
- Voters ID Card
- Driving License
- NREGA Job Card
- Photo ID issued by Government/PSU
Proof of Address:
- Passport
- Voter ID Card
- Driving License
- Aadhaar Card
- Utility Bills (Gas, Electricity, Water, Telephone – less than 1-3 months old)
- Bank Statement/Passbook
- Ration Card
- Lease Agreement/Sale Deed
Your savings account is opened immediately after successful onboarding. Certain services such as debit card usage, transaction limits or digital banking features may be enabled within a few working days, subject to KYC verification.
It is mandatory for your PAN to be updated in your savings account records. Aadhaar helps complete the KYC process and enables smoother digital services. If either is missing, we will ask you to update it to avoid service restrictions.
Your debit card is dispatched to your registered address after successful account opening. A welcome message or communication is sent once the card is issued. Delivery timelines may vary by location.
You can set or reset your debit card PIN:
- At any HDFC Bank ATM
- Through NetBanking
- Through the Mobile App
- Through MyCards PWA
How do I activate net banking and mobile banking?
- CashBacks on every single spend
- Earn up to ₹2,000 worth of gift vouchers every year
- Earn 4 Reward Points for every ₹150 spent online