Product benefits*
What is the total value benefit I can get from my Speciale Senior Citizen Savings Account
Your Account gets you a total value benefit of over ₹42,000. Click here to know more on Specialé Senior Citizen Account Value Proposition
Yes, Free Doorstep Banking Services are available for Senior Citizens above 60 years. Know more
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 Crore 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
Offers
How can I get the Amazon Pay Gift Card / Uber Voucher/ Swiggy /Zomato/Apollo Pharmacy/NetMeds vouchers with cumulative worth ₹1,000
You can become eligible basis 2 basic criteria:
-Ensure minimum spends of ₹10,000 on the Debit card in first 90 days from the date of Account opening
- This Amazon Pay Gift Card 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 Mar’24, then customer has to spend ₹10,000 using Platinum debit card within 90 days from date of account opening i.e. 15th Mar’24 to 13th Jun’24.
You will receive the voucher within 105 days from end of eligibility month on your registered email and Mobile number
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
You can avail 3 months Membership for Free OR 12-month Membership at 60% subject to meeting the following conditions
- At least one POS/Ecom Debit card transaction in first 90 days from the date of Account opening
You will receive the voucher within 105 days from end of eligibility month on your registered email and Mobile number
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.
- 10 to 50* discount on Medicine home delivery
- 10 to 25%* discount on OPD Consultation
- 20 to 25%* discount on diagnostics test with home collection facility.
- Teleconsultation and Second Opinion from Doctors at cost
- Discounts on Comprehensive Care plans, Samarth senior tours and other community offers
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. Know more
Yes, you get free Domestic Airport Lounge access (Twice every quarter) with your complimentary Platinum Debit Card worth ₹850
*T&C apply
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 SeniorCitizen customer, you get the flexibility to maintain either Average Quarterly Balance (AQB) of ₹1 Lakh 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
Use Mobile App ➝ Dashboard or just give a missed call to 1800 270 3333 from your registered number.
Yes, NetBanking is accessible globally — just ensure you have your Customer ID and OTP-ready mobile number.
Yes! You can view and manage multiple HDFC Bank accounts using one login in the Mobile App.
Call us anytime at 1800 1600 / 1800 2600 / 022-61606161 or visit our Help Section.