Speciale Gold Savings Account FAQs

Your Account gets you a total value benefit of over INR 39,000. Refer to the value chart for complete details: 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  

^{*T&C apply}

• 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}

You can enjoy NIL Charges for – 

• Cash transactions (Self & 3rd Party) 

• ATM transactions @ HDFC Bank ATMs 

• Cheque books 

• Locker fees for first year^ (Applicable only for 1st locker with the bank) 

• Service request like Interest Certificate / Balance Certificate and many others 

• Demand Draft / Pay Order 

• Digital transactions like IMPS/ NEFT / RTGS/ UPI 

• Insta alerts 

^{^Discount is basis financial year​​​​​​​}

^{​​​​​​​No liability account charges for Super Senior Citizen customers}

• Maintain Product Average Quarterly Balance in the Savings account of ₹ 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

Click here for details

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

As a valued Speciale Gold customer, you get the flexibility to maintain either Average Quarterly Balance (AQB) of ₹1 lakh or Fixed Deposit Cushion of ₹4 lakhs^

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 Cyber insurance, you need to carry out at least 1 purchase transaction i.e POS/ ECOM transaction using the Debit Card, within 12 months prior to the event date. ATM transactions or withdrawals will not be considered under successful debit card purchase transactions)