Product benefits*
Your Account gets you a total value benefit of over ₹39,000. Click here to know more - Speciale Savings Account Comparison | HDFC Bank
Free Unlimited ATM transactions at HDFC Bank ATMs
30 Free ATM transactions/month at non-HDFC Bank domestic ATMs
- Lifetime Nil Annual Maintenance Charges (AMC) on Demat Account
- 25% discount on Demat Debit transaction
- Special Brokerage rates and Pricing on HSL Trading Account Click here to Know More
- Higher interest rate on your Fixed Deposits
- 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
- ₹15 lakh of Free cash volume (up to 90 days) Delivery brokerage (post-free volume) of 0.15% for Speciale Gold customers
*T&C apply | The above offering is only for a new Demat & Trading A/c opening
- Insurance cover up to ₹15 Lakh on your Platinum Debit Card*
- Air Accident Cover of ₹3 Crore on your Platinum Debit Card*
*Terms & Conditions apply | Know more
- Higher cash transaction limit
- No charges for Cheque books
- Free Online transactions through IMPS/NEFT/RTGS/UPI
- Free Insta Alerts
Lifestyle Offers
All you have to do is meet 2 conditions:
- Maintain Product Average Quarterly Balance in the Savings account of INR 1 lakh, for 1st Quarter from next month of Account opening. Please note these offers are not applicable on FD cushion
- Spend at least ₹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
Example: If the customer has opened an account on 15th Sep’25, then Product Average Quarterly Balance as per T&C has to be maintained in Specialé Gold Savings account from Oct’25 to Dec’25. Also the customer has to spend ₹25,000 using Platinum debit card within 90 days from date of account opening i.e. 15th Sep’25 to 14th Dec’25. Post fulfilling the eligibility criteria, the Customer will receive voucher within 105 days from end of eligibility period i.e. latest by mid-April.
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.
*Refer to the Terms and Conditions here.
To qualify for the Quarterly vouchers of Uber/Swiggy/PVR/Apollo Pharmacy worth ₹300 in the first year, all you have to do:
- Maintain Average Quarter of ₹1 Lakh every quarter from the next month of Account opening. Not applicable on FD cushion
- 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.
Subject to qualification for every quarter in the first year from next month of Account opening, you can get these vouchers up to 4 times.
Yes, you get free Domestic Airport Lounge access (Twice every quarter) with your complimentary Platinum Debit Card worth ₹850.
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
As a valued Speciale Gold customer, you get the flexibility to maintain either Average Quarterly Balance (AQB) of ₹ 1lakh or Fixed Deposit Cushion of ₹4 Lakh^
Please note that lifestyle offers are not applicable on FD cushion
^ FD Cushion is valid if FD is booked via Specialé Account and in the name of Primary holder.
For consolidated Savings Fees & Charges (w.e.f. March 2026) Click Here
For more details, refer to the Savings Account FAQs
Getting started with your new account*
You can track your welcome kit or card status online using your reference number. If not received in 7 working days, reach out to support.
Here’s how you can register for Net Banking -
Just head to the App Store/Google Play and search “HDFC Bank MobileBanking”. Once installed, register using your Customer ID & OTP.
Not necessarily! You can register directly using your debit card details or Customer ID + OTP.
Yes! You can set your registered mobile number or a User ID as your login once registered. Go to settings in the app to update.
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.
Activating & Using Your Debit Card
You can activate it via MobileBanking, NetBanking or at any HDFC Bank ATM. Just use your ATM PIN for the first time to enable.
Set your PIN via MobileBanking, NetBanking, or by visiting an ATM. Choose what's easiest for you.
Yes, but you’ll need to enable international usage from your app or NetBanking first.
Block it immediately via MobileBanking or NetBanking. You can also request a replacement card in a few taps.
UPI & Bill Payments
Open the HDFC Bank Mobile App ➝ Go to UPI ➝ Create a new UPI ID and link your account. It's instant!
PayZapp is our payments app for bill payments, offers, and shopping. Download from app store and register using your mobile number.
Electricity, water, broadband, DTH, credit cards, and more. You can also recharge FASTag and mobile instantly.
Yes! You can set AutoPay for bills via MobileBanking. Choose your biller and frequency once.
Making Your First Transactions
Use UPI, IMPS, NEFT or RTGS from your MobileBanking or NetBanking. UPI is fastest and free.
In NetBanking, go to Funds Transfer > Activate TP Transfer. You may need debit card details and OTP.
- UPI: Real-time, 24x7, no charges
- IMPS: Real-time, bank account based
- NEFT: Bank hours only, batch processing
Login to Mobile/NetBanking ➝ Go to Funds Transfer ➝ Add Beneficiary ➝ Enter details ➝ Authenticate via OTP.
Investing with SmartWealth / Mutual Funds
SmartWealth offers insurance + market-linked returns, while FDs offer fixed returns. It’s for long-term planning.
Yes, KYC is mandatory for any investments. It’s a one-time, simple process.
Absolutely! Login to Mobile/NetBanking ➝ Invest ➝ Select Mutual Funds ➝ Set up SIP in minutes.
Fixed Deposits & Savings Options
Log into Mobile/NetBanking ➝ Select Open FD ➝ Enter amount & tenure ➝ Confirm with OTP.
You can start an FD with as little as Rs. 5,000.
Yes, you can close an FD anytime via MobileBanking. Partial withdrawals are allowed in Sweep-in FDs.
If your savings go above a set limit, extra funds are auto-transferred to an FD — helping you earn more.
Security & Support
Use Mobile/NetBanking ➝ Cards ➝ Block Card. You can also call PhoneBanking at 1800 1600 / 1800 2600 / 022-61606161 or visit our Help Section.
Visit ‘Customer Care’ in the Mobile Banking app or website ➝ Select your issue ➝ Track it easily using your reference number.
You can update it at an ATM, branch, or using your NetBanking profile.
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.