Product benefits*
Your Regular Salary Account comes with a host of benefits:
- Zero balance Account for you and your family
- Free Personal Accident Death Cover of up to ₹ 16 Lakh*
- Free Personal Accident Death Cover of up to ₹ 1Lakh* on the account
- Free Personal Accident Death Cover up to ₹15 Lakh* on the DC
- Free Air Accident Death cover of up to ₹ 3.05 Crore*
- Free Air Accident Death cover of ₹ 5 Lakh* on the account
- International Air Accident Death Coverage up to ₹3 Crore* on Debit Card
- Super Top Up health insurance plan at discounted premium cost*
*T&C apply
Free MoneyBack Debit Card with exclusive offers:
- Personal Accidental Death Cover of up to ₹15 Lakh*
- Up to ₹ 2 Lakh of Fire & Burglary Insurance and ₹ 2 Lakh of Travel Insurance*
- International Air Accident Death Coverage up to ₹3 Crore* ₹₹Personal Accidental Death Cover of up to ₹15 Lakhs*
- Up to ₹ 2 Lakhs of Fire & Burglary Insurance and Rs. 2 Lakhs of Travel Insurance*
*T&C apply
- Free Personal Accident Death Cover of up to ₹ 16 Lakh*
- Free Personal Accident Death Cover of up to ₹ 1Lakh* on the account
- Free Personal Accident Death Cover up to ₹15 Lakh* on the DC
- Free Air Accident Death cover of up to ₹ 3.05 Crore*
- Free Air Accident Death cover of ₹ 5 Lakhs* on the account
- Super Top Up health insurance plan at discounted premium cost*Free Personal Accident Death Cover of ₹ 1Lakhs* on the account
- Free Personal Accident Death Cover up to ₹15 Lakhs* on the DC
- Free Air Accident Death cover of ₹ 5 Lakhs* on the account
- Free Air Accident Death cover of up to ₹ 3.05 Crore*
- International Air Accident Death Coverage up to ₹3 Crore* on Debit Card*PADC T&C
- 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
- 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
Enjoy lifestyle offers worth ₹ 2200 from NetMeds, Amazon Prime, Amazon pay, PVR, Swiggy, Ixigo on activating any 5 services with 30 days of account opening. Know more
*T&C apply
Fees & Charges
For consolidated Savings Fees & Charges, please click here
Product offers available*
- 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- Free from 2nd year onwards on performing 1 transaction per annum
* Terms & Conditions apply| The above offering is only for a new Demat & Trading A/c opening
- Get preferential pricing on loans (Apply Online)
- Get access to our Super Premium Credit cards (Apply Online)
Getting started with your new account*
You can track your welcome kit or card status online using your reference number. If not received in 7 working days, reach out to support.
Just head to the App Store/Google Play and search “HDFC Bank MobileBanking”. Once installed, register using your Customer ID & OTP.
Not necessarily! You can register directly using your debit card details or Customer ID + OTP.
Yes! You can set your registered mobile number or a User ID as your login once registered. Go to settings in the app to update.
UPI & Bill Payments
Open the HDFC Bank Mobile App ➝ Go to UPI ➝ Create a new UPI ID and link your account. It's instant!
PayZapp is our payments app for bill payments, offers, and shopping. Download from app store and register using your mobile number.Download - PayZapp UPI Wallet, Pixel Card – Apps on Google Play
Electricity, water, broadband, DTH, credit cards, and more. You can also recharge FASTag and mobile instantly.
Yes! You can set AutoPay for bills via MobileBanking. Choose your biller and frequency once.
General FAQs
Use Mobile App ➝ Dashboard or just give a missed call to 1800 270 3333 from your registered number.
Yes! You can view and manage multiple HDFC Bank accounts using one login in the Mobile App.
Yes, NetBanking is accessible globally — just ensure you have your Customer ID and OTP-ready mobile number.
Call us anytime at 1800 1600 / 1800 2600 / 022-61606161 or visit our Help Section.
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
- 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