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Key Benefits

Know More About Specialé Gold Account

Fees & Charges

  • Speciale Gold Savings Account gives you the flexibility to either maintain 1 lakh Average Quarterly Balance (AQB) or an FD cushion of ₹4 lakh.
  • Click here to know more about the account’s fees and charges.
  • For consolidated Savings Fees & Charges (w.e.f. 1st August 2025) Click Here
  • Click here for Speciale offer Terms & Conditions
Healthcare Benefits

Account Details

Healthcare Benefits

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

  • Air Accident Cover of ₹3 crore on Platinum Debit Card

*T&C apply

Financial Benefits

  • Annual Maintenance Charges (AMC) waived for the first year. From second year onwards, AMC is free upon performing at least one transaction per year.
  • ₹15 lakh of free cash trading volume for up to 90 days. Post free limit, delivery brokerage is charged at 0.15%.

Minimum Balance Requirement- INR 1 lakh or an FD cushion of INR 4 lakhs

Healthcare Benefits

Deals & Offers

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
Check out the deals

Most Important Terms and Conditions

  • Understand the eligibility and T&Cs for Speciale Gold offers by clicking here

Note: *Above offers are linked to Debit Card spends & maintenance of Product Average quarterly balance as per T&C

Most Important Terms and Conditions

Documents required to get you started

Officially Valid Documents (OVDs) for establishing Proof of Identity And Mailing Address

OVD (any 1)

  • Passport  
  • Aadhaar Card**
  • Voter ID  
  • Driving Licence   
  • Job Card
  • Letter issued by the National Population Register

**Proof of possession of Aadhaar (any 1):

  • Aadhaar letter issued by UIDAI
  • E-Aadhaar only downloaded from UIDAI website
  • Aadhaar Secure QR Code
  • Aadhaar Paperless Offline e-KYC
  • Click here to know complete documentation details
no data

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

Simplify KYC with Video Verification

  • Keep your PAN Card and Aadhaar-enabled phone handy, along with a pen (blue/black ink) and white paper. Ensure you have good connectivity/network
  • Enter your Aadhaar number at the start and verify yourself using OTP.
  • 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.
Special Savings Account

Ways to open a Bank Account

Frequently asked questions

The Speciale Gold Account is an exclusive banking product offered by HDFC Bank that provides a range of benefits and privileges to account holders. It is designed to enhance the banking experience and provide personalised services.

Yes, there is a minimum deposit requirement to open a Specialé Gold Account online.
The exact amount may vary, so it is recommended to visit our website or contact our customer service team for detailed information. 

The Specialé Gold Account offers benefits such as:

  • Comprehensive healthcare benefits including an Amazon/Flipkart voucher worth ₹1,000 
  • Insurance cover up to ₹15 lakh on the Platinum Debit Card 
  • Lucrative financial advantages such as a free personalised Platinum Debit Card, enhanced transaction limits, and nil Demat A/c opening charges

The Specialé Gold Account offers benefits such as:

  • Account maintenance fee waiver on Demat Account for the 1st year on the Demat Account, and free from 2nd year onwards on performing 1 transaction per annum for Speciale Gold customers. 
  • ₹15 lakh of Free cash volume (up to 90 days) Delivery brokerage (post-free volume) of 0.15% for Speciale Gold customers 

If you have an existing bank account:

  • 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 Debit Card to your mailing address

If you don’t have an HDFC Bank account:

  • Download the Account Opening form   
  • Fill it out, including the Debit Card application   
  • Submit it to the HDFC Bank branch, and we'll assist with the rest

Simply visit our website and follow the step-by-step instructions to open Speciale Gold Account Online.

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