Speciale Platinum Savings Account FAQs

Your Account gets you a total value benefit of over ₹ 65,000. Click here to know more - Speciale Platinum Savings Account Value Proposition | 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}

To be eligible for Epicure Preferred membership valid at Taj, SeleQtions and Vivanta hotels, all you have to do is fulfil 2 conditions:

-Maintain Product Average Quarterly Balance of ₹ 3 lakhs, for two quarters from next month of Account opening. Please note these offers are not applicable on FD cushion

-Spend ₹75,000 on your Debit card in first 180 days after 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

Post fulfilling the eligibility criteria, 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.

*Refer to the Terms and Conditions here.

Please visit this link to know the details of the Taj Epicure membership - Epicure Membership Purchase | Taj Hotels 

Taj Epicure membership is a one time onboarding privilege provided to our valued Speciale Platinum customers. The duration of this complimentary membership is 1 year from the commencement of membership 

It takes 2-3 weeks for the physical welcome kit to be delivered to the address shared while registering with the voucher code provided by the bank.

All you have to do is meet 2 conditions: 

- Maintain Product Average Quarterly Balance in the Savings account of ₹3 lakhs, 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 Platinum 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. 

All you have to do is meet 2 conditions:

- Maintain Product Average Quarterly Balance in the Savings account of ₹ 3 lakhs, for 1st Quarter from next month of Account opening. Please note these offers are not applicable on FD cushion

-Spend at least ₹50,000 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 Platinum Savings account from Oct’25 to Dec’25. Also the customer has to spend ₹50,000 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.

Yes, you get free Domestic Airport Lounge access (Twice every quarter) with your complimentary Platinum Debit Card worth ₹850

Click here for details 

*T&C apply

Enjoy voucher worth ₹2,200 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)