Senior Citizen’s Savings Account FAQs

Your one stop for all queries regarding your product benefits, eligibility, setting up a new account, digital activation and more

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Product & offer benefits*

  • Accidental hospitalisation cover of 50,000 p.a. 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 (upto 90 days) - Sum assured 2 Lakh

  • Loss of checked baggage - Sum assured 2 Lakh
    (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)

*Terms & Conditions apply

Yes, Free Doorstep Banking Services are available for Senior Citizens above 70 years. Know more

  • Free Rewards international Debit Card

  • Preferential rates on Fixed Deposits

  • Annual maintenance charge waiver on first year of first Demat account

  • Free InstaAlerts

  • 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

Enjoy voucher worth 2,000 from Amazon Prime, Swiggy, Uber, Ixigo, PVR, Amazon Pay on activating any 5 services as per T&C from the 10 services. Know more

Fees and charges

Average Monthly Balance (AMB) of ₹5,000. Non-maintenance charges applicable*

*T&C apply

For consolidated Savings Fees & Charges Click Here

General FAQs

How do I download and register on the HDFC Bank MobileBanking App? 

Just head to the App Store/Google Play and search “HDFC Bank App (Early Access)”. Once installed, register using your registered mobile number and NetBanking Password (or) Debit Card details.

Do I need NetBanking to activate HDFC Bank App? 

To register on the All New HDFC Bank App, customer either needs to have an active Debit Card or be registered on the Net Banking..

Can I log in to Mobile Banking using my mobile number instead of Customer ID? 

No. Users can login via Customer ID and Password or they can scan a QR code and approve the login request via All-New HDFC Bank App on their registered mobile device.  

What should I do if the app shows an error during activation? 

It could be due to network or mismatch in details. Ensure you’re using your registered mobile number and latest app version. Try again or contact support. 

How do I set or change my ATM PIN? 

You can set your Debit Card PIN via HDFC Bank App,  NetBanking, or by visiting an ATM. Choose what's easiest for you.  To set or reset your through NetBanking: Login to NetBanking → Cards → Debit Cards → Set/Reset PIN

Can I use my Debit Card for international payments? 

Yes, but you’ll need to enable international usage from your HDFC Bank App or NetBanking first.
To enable the international usage, login to your HDFC Bank App or NetBanking >> go to cards tab >> Manage Limits 

What should I do if I have forgotten my Debit Card PIN?

Refer to this link for step by step process to regenerate your PIN. 

How to set Standing instructions for bill payments  

Refer to this video to understand how to set Standing instruction for bill payments, click here

How can I get ₹1,800 cashback on setting up Bill Payments

Cashback Offer – You can enjoy up to ₹1,800 cashback (5% up to ₹150 per month/statement cycle) for 12 months on registering first bill on SMARTPAY with your Debit Card. Know more.

How can I get e-vouchers up to ₹500 on setting bill payments? 

Register two or more Utility bills on SMARTPAY using your HDFC bank Debit car and get E-Vouchers up to ₹500 on your favourite brands. Know more   

How do I transfer money to someone?  

You can do money transfer via UPI, IMPS, NEFT or RTGS from your HDFC Bank App or NetBanking. UPI is fastest and free. 

How do I activate 3rd party transfers?  

Login to HDFC Bank NetBanking, go to send money > Register Now. You can then authenticate using Debit Card and OTP.

What’s the difference between NEFT, IMPS, and UPI?  

UPI: Real-time, 24x7, no charges  
IMPS: Real-time, bank account based  
NEFT: Bank hours only, batch processing. Currently NEFT is 24*7. During non-working hours such as 7 PM to7 AM there is a transaction limit for NEFT but NEFT is not restricted.  

How do I add a beneficiary/payee?  

Follow the below steps via HDFC Bank NetBanking: Home Page> Send Money > Add Payee 

OR Follow the below steps via HDFC Bank App: Home Page > Send Money > Add New Payee 

What are the Credit Card & Loan offers available for me? 

You may have instant eligibility for select cards and loans. Login to Xpressway – Your one-stop destination to avail banking products & services via fully digital, do-it-yourself application process involving no paperwork.