Senior Citizens Account

What's in store for you

More benefits than ever before

Shopping Benefits

  • 5% CashBack on online shopping via partner merchants, PayZapp, SmartBuy, and more*

Insurance Benefits

  • Accidental hospitalisation reimbursement cover of ₹50,000 every year for first applicant

Banking Benefits

  • Cash Pickup, Cash Delivery, Instrument Pickup services for senior citizens, available on call*

Check out the deals

  • CashBack and discounts with Debit Card: 5% CashBack on shopping via PayZapp and SmartBuy.

  • SmartBuy Offer: Click here

  • PayZapp offer: Click here

  • UPI offers: Click here

  • NetBanking offers: Click here

  • BillPay offers: Click here

Senior Citizens Account

Additional benefits

Wondering if you are eligible?

You can open an HDFC Bank Senior Citizen’s Account if you are:

  • A resident individual aged 60 years or above
  • For Joint Accounts, the primary account holder must be a senior citizen
Senior Citizens Account

Documents required to get you started

Identity Proof

  • Aadhaar Card
  • PAN Card
  • Voter ID 
  • Driving Licence
  • PAN Card
  • Passport size photographs

Address Proof

  • Latest Utility bills (electricity, water, gas or telephone)
  • Rental Agreement 
  • Passport
  • Aadhaar Card
  • Voter ID

Income Proof

  • Latest Salary slips (for salaried individuals),
  • Income tax returns (self-employed)
  • Form 16
  • Bank Statements

Application Process  for Opening a Digital Account with Aadhaar

Apply online in just 4 simple steps: 

  • Step 1 - Validate your mobile number
  • Step 2- Select the ‘Account Type’ of your choice
  • Step 3- Provide personal details including Aadhaar number
  • Step 4- Complete Video KYC
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Senior Citizens Account

Simplify KYC with Video Verification

  • Keep your PAN Card and Aadhaar-enabled phone handy, along with a pen (blue/black ink), and white paper.
  • Enter your Aadhaar number at the start and verify yourself using OTP.
  • Once done, upload the required documents.
  • A bank representative will then verify your details, such as LIVE signature, LIVE photo, and location.
  • Once the video call is complete, your video KYC process stands completed.

Ways to open a Bank Account

Know more about Senior Citizen’s Account

Fees & Charges

  • Account Opening Charges: Nil

  • Check Depositing Charges: Nil for cheque deposited into your account in a city other than the city, in which your account is located

  • Charges for Payable at Par Cheques: Nil for cheques issued in a city outside your account charges.

  • Issue Of Duplicate / Adhoc Online Statement: No charge for last 5 years statement through NetBanking or e-Statement on registered E-mail ID | 

  • Issue Of Duplicate/Adhoc Offline Statement (Physical Copy): ₹100 for Regular Account holders, ₹50 for Senior Citizen Account holders

For consolidated Savings Fees & Charges Click here

Stay Protected with Free Insurance Cover

Insurance Benefits

  • Accidental hospitalisation cover of ₹50,000 per annum. This is a reimbursement cover for the first applicant.

  • Daily cash allowance* once a year at ₹500 per day, for a maximum of 15 days per year, for each day of hospitalisation due to an accident.

  • Your claim will be processed only if you have used your HDFC Bank Debit Card at a merchant establishment at least once in the 6 months prior to the date of hospitalisation.

  • Death Cover by Air / Road / Rail - Sum Insured of ₹5 lakh on your Rewards Debit Card (Debit Card should be active at retail OR on-line stores at least once every 30 days to keep the free Personal Death Insurance cover on their Debit Card active) 

  • Additional International Air Coverage of flat ₹25 lakh on purchase of air ticket using your Debit Card

  • Fire & Burglary for the items purchased under Debit Card (up to 90 days) - Sum assured ₹2,00,000

  • Loss of checked baggage - Sum assured ₹2,00,000 
    (For any Claims under Fire & Burglary Insurance/ Loss of checked baggage Insurance to be accepted & processed, the cardholder should have carried out at least 1 purchase transaction using the Debit Card, within 3 months prior to the event date)

Easy Banking with Your Debit Card

Easy Banking

  • Free Rewards International Debit Card free for the first applicant with a cash withdrawal limit of ₹50,000 per day and a shopping limit of ₹3.5 lakh per day

  • Free Debit Card for the primary account holder

  • If the first applicant is a woman and new to the bank, our special free Woman's Advantage Debit Card with cash withdrawals of up to ₹25,000 per day and shopping (POS) limit of ₹2.75 lakh per day will be issued by default.

  • CashBack / Rewards Point Programme

  • 5% CashBack  on partner merchants (Smart Bazar, BPCL (HDFC Bank Terminal), Snapdeal, PayZapp, IRCTC, Apollo Pharmacy and Smart Buy)

  • Max CashBack/Reward Points

  • ₹2,000 per month

Transact with Ease

Transact with ease

  • Free Payable-at-Par cheque book with no usage charges. With this facility, outstation cheques issued by you (for clearing) will be treated as local cheques, at any HDFC Bank location.

  • Free lifetime BillPay & InstaAlerts for all Bank Account holders

  • Free passbook facility for all individual account holders

  • Free e-mail statements

  • Free SMS alerts

  • Easy banking with facilities like NetBanking, PhoneBanking and MobileBanking that allow you to check your account balance, pay utility bills, or even stop cheque payments via SMS

  • Free travellers’ cheques

  • National Electronic Funds Transfer (NEFT) facility

  • Doorstep Banking services i.e., Cash Pickup / Instrument Pickup and Cash Delivery available on call for Senior citizens*. CLICK HERE TO KNOW MORE

To know more Open Savings Account Online.

Cross-Product Benefits

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.

Cross-Product Benefits

Frequently Asked Questions

Senior Citizen’s Account in India offers free insurance cover, easy banking with a debit card, attractive merchant discounts, rewards points, preferential rates, and additional banking facilities. 

You need to provide identity proof (Aadhaar Card, PAN Card), address proof (latest utility bill, passport), and income proof (latest salary slips for salaried individuals or income tax returns for self-employed individuals) to open a Senior Citizen’s Account.

The HDFC Bank Senior Citizen’s Account offers exclusive benefits for senior citizens, including higher interest rates on savings, personalised services, and priority banking facilities. Account holders can also enjoy discounts on medical expenses, travel, and more. Additionally, the account provides easy access to banking services and special investment options tailored to meet the needs of senior citizens. 

Existing HDFC Bank Account holders:   

  • Download the application form   

  • Fill in your details and drop it off at your local HDFC Bank branch   

  • We'll handle the rest and send the card to your mailing address   

Non-HDFC Bank Account holders:   

  • Download the Account Opening form   

  • Fill it out, including Debit Card application   

  • Submit it to the HDFC Bank branch, and we'll assist with the rest

Grow your savings today with flexible, safe and easy banking.

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