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Salary < 25K

A range of unique benefits valued at over Rs. 15,331 per annum*
Category Benefit / Features Annual Savings (Rs.)
Insurance cover Air Accident cover - Rs.25 lakhs 1,400
  Personal Accident cover - Rs.10 lakhs 1,000
  Benefits Beyond Salary-Zcare offer (Times Prime Membership) (Free for 1st year) 999
MoneyBack Debit Card Upto 10% Exclusive Discount on MoneyBack Debit Card 1,000
  Welcome benefit and Usage Benefit 500
  Personal Accident Death Insurance Cover (Air/Road/Rail) 1,000
  5% CashBack on BillPay Standing Instructions on Debit Card 1,200
  PayZapp and SmartBuy Cashback Benefit 1,920
  4 Complementary Lounge Access per year 4,000
  Annual fees waiver 650
Freedom Credit Card Online Spends 330
  Dining Spends* 132
  Fuel Spends 480
  Utility Spends* 360
  Other Spends 360
Total Savings on switching your Salary Account 15,331
Credit card benefits:The above example is for illustration purposes only. *Terms and Conditions apply.
Online Spends Spends of Rs. 60K per year
Dining Spends* Spends of Rs. 24K per year
Fuel Spends Spends of Rs. 48K per year
Utility Spends* Spends of 36K per year
Other Spends Spends of 36K per year

Salary 50K to 1 Lac

A range of unique benefits valued at over Rs. 46,460 per annum*
Category Benefit / Features Annual Savings (Rs.)
Insurance cover Air Accident cover - Rs.25 lakhs 1,400
  Personal Accident cover - Rs.10 lakhs 1,000
  Benefits Beyond Salary-Procare offer (Life Insurance and Hospi cash) (Free for 1st year) 2,910
Platinum Debit Card Annual Fee Waived 750
  Personal Accidental Death Insurance upto Rs. 10 lacs 1,000
  5% CashBack on BillPay Standing Instructions on Debit Card 1,200
  PayZapp & SmartBuy Cashback Benefit 2,700
  Upto 1% Cashback(1) on Retail / Online Purchases 1,100
  Complimentary Lounge Access 8,000
Premium Credit Card - Millennia 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato 12,000
  1% cashback on all other spends (except Fuel) including EMI & Wallet transactions 1,800
  1% Fuel Surcharge Waiver 600
  8 Complimentary Domestic Airport Lounge access annually 8,000
  Quarterly Spend milestone# 4,000
Total Savings on switching your Salary Account 46,460
Credit card benefits:The above example is for illustration purposes only. *Terms and Conditions apply.
12 Spends of Rs. 2.4 Lakhs per year
13 Spends of Rs. 1.8 Lakhs per year
15 Spends of 60K per year
17 Spends of Rs. 1,00,000 per quarter

Salary 1 Lac - 2 Lacs

A range of unique benefits valued at over Rs. 1,09,666 per annum*
Category Benefit / Features Annual Savings (Rs.)
Insurance cover Air Accident cover - Rs.25 lakhs 1,400
  Personal Accident cover - Rs.10 lakhs 1,000
  Benefits Beyond Salary-Procare offer (Life Insurance and Hospi cash) (Free for 1st year) 2,910
Platinum Debit Card Annual Fee Waived 750
  Personal Accidental Death Insurance upto Rs. 10 lacs 1,000
  5% CashBack on BillPay Standing Instructions on Debit Card 1,200
  Upto 1% Cashback(1) on Retail / Online Purchases 1,100
  PayZapp & SmartBuy Cashback Benefit 2,700
  Complimentary Lounge Access 8,000
Super Premium Credit Card - Regalia 4 RP for every Rs 150 spent on Utility bill payments on Smartpay* including insurance & rent pay 3,200
  Upto 30% off via Dineout Passport Membership and enjoy 4 Reward Points for every Rs 150 spends 22,156
  1% Fuel Surcharge Waiver 600
  Fee Waiver on Spends of Rs. 3,00,000 2,500
  Lounge Access Benefit ( Domestic + International ) 30,150
  Offer*- Up to 5% CashBack / Discount via SmartBUY Merchant Partners 12,000
  10000 Bonus Reward Points on 5 Lakh Annual spends 5,000
Complementary HDFC Bank Products / Services Exclusive discount of 25% on one locker* for you & your family 10,000
  Privilege Banking rates* for products & services you avail 4,000
Total Savings on switching your Salary Account 109,666
Credit card benefits:The above example is for illustration purposes only. *Terms and Conditions apply.
Credit card Benefits Monthly Spends (in Rs.) Annual benefit (in Rs.)
4 Reward Points on daily and retail spends (like Grocery, Apparel, Utility / Bill Pay, Electronics, Insurance, School fees, Rent Payment etc.) 20,000 3,200
Upto 30% Discount on Dining Spends via Dineout passport membership + 4 Reward Points 5,000 22,156
1% Fuel Surcharge Waiver 5,000 600
Fee Waiver on Spends of Rs. 3,00,000 - 2,500
Offer*- Up to 5% CashBack / Discount via SmartBUY Merchant Partners 20,000 12,000
Milestone Bonus !! 10,000 Reward Points on annual spends of Rs. 5,00,000   5,000
Total 50,000 45,456
12 Domestic + 6 international complimenatray airport lounge access   30,150
Annual Total 6,00,000 75,606

Salary 2 Lacs-5 Lacs

A range of unique benefits valued at over Rs. 1,21,666 per annum*
Category Benefit / Features Annual Savings (Rs.)
Insurance cover Air Accident cover - Rs.25 lakhs 1,400
  Personal Accident cover - Rs.10 lakhs 1,000
  Benefits Beyond Salary-Procare offer (Life Insurance and Hospi cash) (Free for 1st year) 2,910
Platinum Debit Card Annual Fee Waived 750
  Personal Accidental Death Insurance upto Rs. 10 lacs 1,000
  5% CashBack on BillPay Standing Instructions on Debit Card 1,200
  Upto 1% Cashback(1) on Retail / Online Purchases 1,100
  PayZapp & SmartBuy Cashback Benefit 2,700
  Complimentary Lounge Access 8,000
Super Premium Credit Card - Regalia 4 RP for every Rs 150 spent on Utility bill payments on Smartpay* including insurance & rent pay 3,200
  Upto 30% off via Dineout Passport Membership and enjoy 4 Reward Points for every Rs 150 spends 22,156
  1% Fuel Surcharge Waiver 600
  Fee Waiver on Spends of Rs. 3,00,000 2,500
  Lounge Access Benefit ( Domestic + International ) 30,150
  Offer*- Up to 5% CashBack / Discount via SmartBUY Merchant Partners 12,000
  10000 Bonus Reward Points on 5 Lakh Annual spends 5,000
Complementary HDFC Bank Products / Services Discount on annual Locker rentals* 20,000
  Privilege Banking rates* for products & services you avail 6,000
Total Savings on switching your Salary Account 121,666
Credit card benefits:The above example is for illustration purposes only. *Terms and Conditions apply.
Credit card Benefits Monthly Spends (in Rs.) Annual benefit (in Rs.)
4 Reward Points on daily and retail spends (like Grocery, Apparel, Utility / Bill Pay, Electronics, Insurance, School fees, Rent Payment etc.) 20,000 3,200
Upto 30% Discount on Dining Spends via Dineout passport membership + 4 Reward Points 5,000 22,156
1% Fuel Surcharge Waiver 5,000 600
Fee Waiver on Spends of Rs. 3,00,000 - 2,500
Offer*- Up to 5% CashBack / Discount via SmartBUY Merchant Partners 20,000 12,000
Milestone Bonus !! 10,000 Reward Points on annual spends of Rs. 5,00,000   5,000
Total 50,000 45,456
12 Domestic + 6 international complimenatray airport lounge access   30,150
Annual Total 6,00,000 75,606


Salary > 5Lacs

A range of unique benefits valued at over Rs. 3,96,660 per annum*
Category Benefit / Features Annual Savings (Rs.)
Insurance cover Air Accident cover - Rs.25 lakhs 1,400
  Personal Accident cover - Rs.10 lakhs 1,000
  Benefits Beyond Salary-Procare offer (Life Insurance and Hospi cash) (Free for 1st year) 2,910
Platinum Debit Card Annual Fee Waived 750
  Personal Accidental Death Insurance upto Rs. 10 lacs 1,000
  5% CashBack on BillPay Standing Instructions on Debit Card 1,200
  Upto 1% Cashback(1) on Retail / Online Purchases 1,100
  PayZapp & SmartBuy Cashback Benefit 2,700
  Complimentary Lounge Access 8,000
Super Premium Credit Card - Infinia 5 RP for every Rs 150 spent including on Utility bill payments on Smartpay* , insurance & rent pay ( excluding fuel) 16,000
  Get complimentary Dineout passport membership for a year. Get upto 40% discount on bill payments via Dineout pay. Enjoy 2X* Reward Points for every Rs 150 spends (stand alone restaurants) 79,200
  1% Fuel Surcharge Waiver 1,800
  Fee Waiver on Spends of Rs. 8,00,000 10,000
  Offer*- Up to 50 Reward Points via SmartBUY Merchant Partners 120,000
  Complimentary Golf Games 50,000
  Complimentary Lounge Access Benefit 48,600
Complementary HDFC Bank Products / Services Locker* for you & your family 40,000
  Privilege Banking rates* for products & services you avail 11,000
Total Savings on switching your Salary Account 396,660
Credit card benefits:The above example is for illustration purposes only. *Terms and Conditions apply.
Benefits Monthly Spends (in Rs.) Annual benefit (in Rs.)
5 Reward Points on daily and retail spends (like Grocery, Apparel, Utility / Bill Pay, Electronics, Insurance, School fees, Rent Payment etc.) 40,000 16,000
Upto 15% Discount on Dining Spends + 10 Reward Points 15,000 37,200
1% Fuel Surcharge Waiver 15,000 1,800
Fee Waiver on Spends of Rs. 8,00,000 - 10,000
Offer*- Up to 50 Reward Points via SmartBUY Merchant Partners 30,000 120,000
Total 100,000 185,000
12 Complimentary Golf Games - 50,000
24 Complimentary Airport Lounge Visits - 48,600
Annual Total 12,00,000 283,600