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Most Important Terms & Conditions for Offers

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Key Benefits

Savings up to ₹65,950* with Specialé Platinum Account

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Know More About Specialé Platinum Account 

Fees and Charges

You can open the Specialé Platinum Account without having to pay any account opening charges. Additionally, HDFC Bank does not levy any fees on check deposits into your account in a city other than the city in which your account is opened/located, nor do you to bear any expenses on issuing/depositing payable at par cheques in cities outside your home location.   

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

Click here to know more about the account’s fees and charges.

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Account Details

Transaction Benefits

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

  • No charges for Cheque books

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

  • Free Insta Alerts
     

Lifestyle Benefits T&C: Click here for Offer T&C

Healthcare Benefits

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

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

Note: Above offers are linked to Debit Card purchases & Average balance Maintenance

Minimum balance requirement: INR 3 lakh

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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 

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Most Important Terms and Conditions  

*The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose. 

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Over 1 Cr Customers Trust HDFC Bank! Open  Specialé Platinum Account via 100% Digital Process

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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
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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
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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.
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Ways to bank

Frequently Asked Questions

The Specialé Platinum Account by HDFC Bank is a premium offering that delivers a host of exclusive benefits and personalised services, designed to elevate your overall banking experience.

There is no fixed limit for the Specialé Platinum Account. However, select benefits and features are tied to Debit Card usage and maintaining a specified Average Quarterly Balance, as outlined in the terms and conditions during online account application.

Yes, there is a minimum deposit requirement to open a Specialé Platinum 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 Platinum Account offers exceptional lifestyle benefits:  
 

  • Epicure Preferred membership at Taj, Selections, and Vivanta hotels 

  • Comprehensive healthcare benefits including an Apollo Pharmacy voucher worth ₹1,000 

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

  • Attractive financial benefits including complimentary personalised Platinum Debit Card, higher transaction limits, and zero charges for opening a Demat Account. 

The Specialé Platinum Account offers benefits such as:  
 

  • ₹25 lakh of free cash volume (up to 90 days) and delivery brokerage (post-free volume) of 0.10% for Speciale Platinum customers 

  • Amazon Pay Gift Card / Flipkart Voucher worth ₹1,000

  • Free Domestic Lounge Access on your Platinum Debit Card – Two times every quarter basis spends on Debit Card 

  • Apollo Pharmacy or Myntra voucher worth ₹1,000

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 Specialé Platinum Account Online.