Specialé Activ Savings Account

Your Account gets you a total value benefit of over INR 41,000. Click here to know more - Speciale Activ Savings Account Value Proposition | HDFC Bank 

Just ensure that Standing instructions/ACH for your HDFC Home Loan EMI payment is maintained from this account

• Free Unlimited ATM transactions at HDFC Bank ATMs 

• 30 Free ATM transactions/month at non-HDFC Bank domestic ATMs 

• Zero charges on opening a Demat Account

• Waiver of annual maintenance charge for the first year on your Demat Account and Free trade volume of Rs.12L (For first 90 days) with HSL 
  ​​​

^{*T&C apply | The above offering is only for a new Demat & Trading A/c opening}

• Fire insurance up to INR 10 lakhs^

• Insurance cover up to ₹15 lakh on your Platinum Debit Card*

• Air Accident Cover of ₹3 Cr on your Platinum Debit Card*

^{*Terms & Conditions apply | Know more}

^{^T&C apply. Please refer to the detailed eligibility condition under the Lifestyle offer section below}

• 50% waiver on locker charges for first year 

• Higher cash transaction limit 

• No charges for Cheque books 

• Free Online transactions through IMPS/NEFT/RTGS/UPI 

All you have to do is meet 2 conditions:

• Ensure Standing instructions/ACH for your HDFC Home Loan EMI payment is maintained from this account
• Spend at least Rs. 25,000 on the Debit card in first 90 days from the date of Account opening. Only successful debit card transactions will be considered and reversals on any transactions will not be considered as successful debit card transactions. ATM transactions or withdrawals will not be considered under successful debit card transactions

This Amazon Pay Gift Card / Flipkart Voucher can be used to purchase 1 year of Amazon Prime membership as well as shopping, recharge, bill payment and travel booking on Amazon.in

Practical example 
 
If you opened an account on September 15, 2025, then you should spend ₹25,000 using a Platinum Debit Card within 90 days from the date of account opening, i.e. till December 14, 2025. You must have Standing Instructions/ACH maintained in the Speciale Activ Savings account for Home Loan EMI payment. 
 
After fulfilling the eligibility criteria, you will receive a voucher within 105 days from the end of the eligibility period.​​​​​​​

Please note:

• These offers are not applicable on account upgrades and will be provided only on new account opening 

• Bank reserves the right to change/ modify/ withdraw/ suspend the offers from time to time.

• In case of any issue relating to the above offer including any dispute or discrepancy or non-receipt of voucher or on my/our eligibility, HDFC Bank’s decision shall be final and binding on me/us in all respects.

• Vouchers will be sent to you on your registered mobile number and email ID. The Bank will not be responsible or liable in case the above offer is not configured or could not be availed due to any restrictions including DNC/ NDNC or any delay, congestion on any telephone network or line or issues related to computer on-line system, servers or providers, website or mobile app or any other reason beyond the control of HDFC Bank.

• Any downgrade in the product to Other Savings account would lead to the Customer for not being eligible for Merchant Alliance benefits.

^{*Refer to the Terms and Conditions here.}

To qualify for the Quarterly vouchers of Uber/Swiggy/PVR/Apollo Pharmacy worth INR 300 in the first year, all you have to do:

• Ensure Standing instructions/ACH for your HDFC Home Loan EMI payment is maintained from this account
• Ensure your Debit Card is active every month on POS/Online spends. Only successful debit card transactions will be considered and reversals on any transactions will not be considered as successful debit card transactions. ATM transactions or withdrawals will not be considered under successful debit card transactions

You will receive the voucher within 105 days from end of eligibility period 

Please note:

• ^{These offers are not applicable on account upgrades and will be provided only on new account opening} 

• ^{Bank reserves the right to change/ modify/ withdraw/ suspend the offers from time to time.}

• ^{In case of any issue relating to the above offer including any dispute or discrepancy or non-receipt of voucher or on my/our eligibility, HDFC Bank’s decision shall be final and binding on me/us in all respects.}

• ^{Vouchers will be sent to you on your registered mobile number and email ID. The Bank will not be responsible or liable in case the above offer is not configured or could not be availed due to any restrictions including DNC/ NDNC or any delay, congestion on any telephone network or line or issues related to computer on-line system, servers or providers, website or mobile app or any other reason beyond the control of HDFC Bank.}

• ^{Any downgrade in the product to Other Savings account would lead to the Customer for not being eligible for Merchant Alliance benefits.}

Yes, you get free Domestic Airport Lounge access (Twice every quarter) with your complimentary Platinum Debit Card worth INR 850

Click here for details 

^{*T&C apply}

The customer is eligible for Fire insurance of up to ₹10 lakhs, subject to the following conditions: 
 
Debit Card must be active in the previous month of the incident occurring date. Active meaning there should be at least one transaction via POS/Ecom. Only successful debit card transactions will be considered and reversals on any transactions will not be considered as successful debit card transactions. ATM transactions or withdrawals will not be considered under successful debit card transactions 
 
You must have Standing Instructions/ACH maintained in the Speciale Activ Savings account for Home Loan EMI payment 
 
This cover is valid till the time Home Loan is active/Live

Please note:

• These offers are not applicable on account upgrades and will be provided only on new account opening 

• Bank reserves the right to change/ modify/ withdraw/ suspend the offers from time to time.

• In case of any issue relating to the above offer including any dispute or discrepancy or non-receipt of voucher or on my/our eligibility, HDFC Bank’s decision shall be final and binding on me/us in all respects.

• Vouchers will be sent to you on your registered mobile number and email ID. The Bank will not be responsible or liable in case the above offer is not configured or could not be availed due to any restrictions including DNC/ NDNC or any delay, congestion on any telephone network or line or issues related to computer on-line system, servers or providers, website or mobile app or any other reason beyond the control of HDFC Bank.

• Any downgrade in the product to Other Savings account would lead to the Customer for not being eligible for Merchant Alliance benefits.

Enjoy voucher worth INR 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 

As a valued Speciale Activ customer, you get this account as a zero balance account on maintaining Standing instructions/ACH for your HDFC Home Loan EMI payment from this account.  

If your ACH/SI is not linked to this account within 6 months of account opening, you would require to maintain Average Monthly Balance (AMB) as mentioned on the HDFC Bank website: www.hdfc.bank.in > Discover Products  > Accounts > Savings account > Regular Savings account. Any shortfall could lead to charges up to 6% of the shortfall from the average balance requirement OR Rs. 600 whichever is lower. 

For consolidated Savings Fees & Charges (w.e.f. 1st August 2025) Click Here