Speciale Savings Account Comparison Chart and Value Proposition

Features and Benefits Specialé Gold Specialé Platinum
Average Quarterly Balance (AQB) Rs 1,00,000/- Rs 3,00,000/-
Fixed Deposit Cushion^^ ₹4 lakh. ₹8 lakh.
Customised account number Yes Yes
Amazon Pay Gift Card / Flipkart Voucher* Yes Yes
Quarterly Vouchers Yes** No
Apollo Pharmacy/Myntra Voucher No Yes##
Epicure Preferred membership valid at Taj, SeleQtions and Vivanta hotels No Yes#
Locker Charges 50% Waiver on 1st Year of Locker^ Free for 1st Year of Locker^
Cash Transactions (Self & 3rd Party)- Pan India 5 Free: Cumulative Value of 5 lakh 10 Free: Cumulative Value of 15 lakh
IMPS/RTGS/NEFT/UPI (Online) Free Free
Cheque book Free Free
ATM transactions at HDFC Bank Free Free
ATM transactions at Non-HDFC Bank 30 30
Demand Drafts Free Up to ₹ 1 lakh per day. Post free limit, charged at ₹ 5/1000 Free
Zero Account Opening Charges for Demat Yes Yes
AMC Waiver for 1st year on Demat Yes Yes
Discounted Pricing on HSL Account Opening and Brokerage Rates Yes Yes

Click here to learn more about the HDFC Bank Specialé Gold and Specialé Platinum Accounts.

Click here for the most important Terms and Conditions.

Note:

^^ FD Cushion is valid if FD is booked via Speciale Account and in the name of Primary holder.

^Discount is basis financial year
* Subject to min spend of Rs.25,000/- in the first 90 days on Debit card from date of account opening & Product Average Quarterly Balance to be maintained in your Savings Account as per T&C for 1st Quarter from next month of Account opening

** Uber/ Swiggy / PVR / Apollo Pharmacy voucher: 3 vouchers of Rs 100 each after end of every quarter if your debit Card is active every month and Product Average Quarterly Balance met in your Speciale Gold account as per T&C. This offer is not valid for Specialé Platinum.

# Subject to min spend of Rs.75,000/- on debit card in first 180 days from date of account opening & Product Average Quarterly Balance maintained in Specialé Platinum account as per T&C for 2 Quarters from next month of account opening. This offer is not valid for Specialé Gold

## Subject to minimum spend of Rs.50,000 in first 90 days from date of account opening & Product Average Quarterly Balance maintained in your Specialé Platinum account as per T&C for 1st Quarter from next month of Account opening. This offer is not valid for Specialé Gold

Savings up to Rs. 39,400* with Specialé Gold Account and up to Rs.65,950* with Specialé Platinum Account

Category Product Features Specialé Gold Specialé Platinum

Merchant Alliances
(Basis debit card spends criteria & balance maintenance)

Amazon Pay Gift Card / Flipkart Voucher

1,000

1,000

Voucher of Rs 100 on

1,200

-

 Uber/ Swiggy / PVR /

Apollo Pharmacy

Apollo Pharmacy / Myntra Voucher

-

1,000

Epicure Preferred membership valid at Taj, SeleQtions and Vivanta hotels

-

25,000

Debit Card

Personal Accidental Death Cover of up to Rs.15lakh on your Platinum Debit Card*

2,600

2,600

8 Complimentary domestic lounge access per year at select airports

12,000

12,000

Waiver on Platinum Debit Card charges for the primary holder

850

850

Waiver on Platinum Debit Card charges for Secondary holder

850

850

International Air Accident Cover of up to Rs. 3 Cr

1,200

1,200

Zero Liability Cover, Insurance on Loss of Checked baggage

250

250

Banking Services & Transactions

Waiver / Discount on Lockers rental for first year

1,500

3,000

(Assuming Medium / Small sized locker - subject to availability of locker and first locker with the Bank)

Higher cash transactions limits-Number & Value Cap

15,000

15,000

(Assuming customer does cash transactions of Rs 5L at branch every month and savings are as compared to Normal Regular Savings account charges

Free ATM Transactions at HDFC Bank ATM

400

400

(Assuming customer does 5 ATM transactions over free limit every quarter and savings are basis comparison to Normal Regular Savings account charges)

Free Chequebook

150

150

(Assuming customer uses 3 chequebooks in a year and savings are

basis comparison to Normal Regular Savings account charges)

Free Online Transactions (IMPS / NEFT/ RTGS/UPI)

600

600

(Assuming customer uses 10 IMPS Transactions every month and savings are basis comparison to Normal Regular Savings account charges)

Free DDs (Speciale Gold - 1 lakh per day / Speciale Platinum - Free) 

500

500

(Assuming customer makes 1 DD of Rs 1 lakh once a quarter (Value is basis comparison to Normal Regular Savings account charges)

Investments

No Account Opening Charges & AMC on Demat for First year

750

750

Special Brokerage rates & Discount on Account opening charges on HSL Trading Plan

550

800

Total Savings through Product Features

40,403

66,953

* Terms and Conditions Apply. Please refer to Specialé product page for detailed T&C on above features provided.

Disclaimer: Terms and conditions apply. Savings Account approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.

Frequently Asked Questions

The HDFC Bank Specialé Gold account offers a personalised Platinum Debit Card with cashback on purchases. The Specialé Platinum account adds benefits like 2 free airport lounge accesses per quarter, ₹15 lakh personal accidental death cover, and ₹3 crore air accident cover. Both accounts waive debit card charges for primary and secondary holders.

The free Demand Draft limit for HDFC Bank Specialé accounts is up to ₹1 lakh per day for Specialé Gold. For Specialé Platinum, Demand Drafts are completely free. Beyond the free limit for Specialé Gold, charges of ₹5 per ₹1,000 apply.

The free cash transaction limits for HDFC Bank Specialé accounts are as follows: Specialé Gold allows 5 free transactions with a cumulative value of ₹5 lakh per month. Specialé Platinum offers 10 free transactions with a cumulative value of ₹15 lakh per month. These limits apply to both self and third-party transactions across India.

HDFC Bank Specialé Gold and Platinum accounts offer zero account opening charges for Demat accounts. Additionally, the Annual Maintenance Charges (AMC) are waived for the first year. For Specialé Platinum customers, AMC is free from the second year onward upon performing one transaction per annum.

Speciale Savings Account offers a range of benefits, including lifestyle perks, healthcare benefits, enhanced transaction limits, exclusive offers, and Speciale Savings Account value proposition and chart Click here to know more.

The average quarterly balance for HDFC Bank Specialé accounts is ₹1 lakh for Specialé Gold and ₹3 lakh for Specialé Platinum. Maintaining this balance is essential to enjoying the account's exclusive benefits, such as vouchers, locker fee waivers, and other perks tailored to each account type.

The HDFC Bank Specialé Gold account offers merchant alliance benefits like ₹1,000 Amazon Pay/Flipkart vouchers, ₹1,200 Uber/Swiggy/PVR/Apollo Pharmacy vouchers. The Specialé Platinum account includes ₹1,000 Amazon Pay/Flipkart vouchers, ₹1,000 Myntra/Apollo Pharmacy vouchers, and Epicure Preferred membership at Taj, SeleQtions, and Vivanta hotels worth ₹20,500. Benefits depend on debit card spends and balance maintenance.

The fixed deposit cushion for HDFC Bank Specialé accounts is ₹4 lakh for Gold and ₹8 lakh for Platinum. This cushion is valid if the fixed deposit is booked via the Specialé account and in the name of the primary holder.

HDFC Bank Specialé Gold accounts offer a 50% waiver on locker charges for the first year, while Specialé Platinum accounts provide free locker charges for the first year. These benefits are subject to availability and apply to medium or small-sized lockers.