Specialé Senior Citizen Savings Account FAQs

Your one stop for all queries regarding your product benefits, eligibility, setting up a new account, digital activation and more

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Specialé Senior Citizen Savings Account FAQs

Your one stop for all queries regarding your product benefits, eligibility, setting up a new account, digital activation and more

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.

Know More About Specialé Senior Citizen Savings Account

Lifestyle offers*

  • Amazon Pay Gift Card / Uber Voucher/ Swiggy /Zomato/Apollo Pharmacy/NetMeds vouchers cumulative worth Rs. 1,000

    The Customer is eligible, subject to minimum spends of Rs. 10,000 on the Debit card in first 90 days from the date of Account opening as per T&C. 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 Rs.10,000 using Platinum debit card within 90 days from date of account opening i.e. 15th Mar’24 to 13th Jun’24. Post fulfilling the eligibility criteria, the Customer will receive voucher within 105 days from end of eligibility month

     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.

  • Samarth Eldercare voucher - avail 3 months Membership for Free OR 12-month Membership at 60% discount

    The Customer is eligible for Samarth Eldercare voucher subject to atleast one POS/Ecom Debit card transaction in first 90 days from the date of Account opening as per T&C. 

    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​​ Key benefits of Samarth Eldercare

    A. 10 to 50* discount on Medicine home delivery

    B. 10 to 25%* discount on OPD Consultation

    C. 20 to 25%* discount on diagnostics test with home collection facility.

    D. Teleconsultation and Second Opinion from Doctors at cost 

    E. Discounts on Comprehensive Care plans, Samarth senior tours and other community offers

  • Complimentary Platinum Debit Card with free Domestic Airport Lounge access (Twice every quarter) 
    Click here for details

  • Cyber Fraud cover up to ₹1.5 lakh*
     For Cyber insurance/Hospicash facility, 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)

  • How do I understand the total value benefit of INR 39,000+ on my account Refer to the value chart for complete details:
    Speciale Savings Account Comparison | HDFC Bank

  • Do I have airport lounge access available on my Debit Card
    Yes, you get free Domestic Airport Lounge access (Twice every quarter) with your complimentary Platinum Debit Card worth INR 850 Click here for details
    *T&C apply

  • I want to know more about the onboarding offer available on digital activation
    Enjoy voucher worth INR 2,000 from Jio Hotstar, Swiggy, Uber, Ixigo, PVR, Amazon Pay on activating any 5 services as per T&C from the 10 services. Know more
    *T&C apply

Specialé Benefits

Lifestyle offers

  • How do I get the complimentary Amazon Pay Gift Card / Flipkart Voucher worth Rs 1,000/-

    The Customer is eligible for Amazon Pay Gift Card / Flipkart Voucher worth Rs. 1,000, subject to minimum spends of Rs. 25,000 on the Debit card in first 90 days from the date of Account opening and Product Average Quarterly Balance maintained in the Savings account as per T&C for 1st Quarter from next month of Account opening. 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
     
    Please note these offers are not applicable on FD cushion

    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

    Example: If the customer has opened an account on 15th Sep’20, then Product Average Quarterly Balance as per T&C has to be maintained in Specialé Gold Savings account from Oct’20 to Dec’20. Also the customer has to spend Rs.25,000 using Platinum debit card within 90 days from date of account opening i.e. 15th Sep’20 to 14th Dec’20. Post fulfilling the eligibility criteria, the Customer will receive voucher within 105 days from end of eligibility period i.e. latest by 31st Mar’21.

    Click here for T&Cs for Speciale Platinum offers

  • How do I get the complimentary quarterly vouchers from from Uber/ Swiggy / PVR / Apollo Pharmacy in the first year (Consolidated value: INR 1,200)

    The Customer, w.e.f. 1-Aug'23, is eligible for cumulative voucher value of INR 300 from Uber/ Swiggy / PVR / Apollo Pharmacy every quarter if the Debit card is active every month and Product Average Quarterly Balance as per T&C is maintained in  Specialé Gold Account every quarter from next month of Account opening. This offer is valid for one year from account opening.

    Please note these offers are not applicable on FD cushion. 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

    Click here for T&Cs for Speciale Platinum offers

  • How do I understand the total value benefit of INR 39,000+ on my account Refer to the value chart for complete details:
    Speciale Savings Account Comparison | HDFC Bank

  • Do I have airport lounge access available on my Debit Card
    Yes, you get free Domestic Airport Lounge access (Twice every quarter) with your complimentary Platinum Debit Card worth INR 850 Click here for details
    *T&C apply

  • I want to know more about the onboarding offer available on digital activation
    Enjoy voucher worth INR 2,000 from Jio Hotstar, Swiggy, Uber, Ixigo, PVR, Amazon Pay on activating any 5 services as per T&C from the 10 services. Know more
    *T&C apply

Specialé Benefits

Fees & Charges

  • What is the Minimum balance requirement for Speciale Senior Citizen Savings Account
    As a valued Speciale Platinum customer, you get a flexibility to 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.
  • What are all the fees and charges applicable
    For consolidated Savings Fees & Charges (w.e.f. 1st August 2025)click here
Debit Card Benefits

Product offers available*

  • How many ATM withdrawals are free every month?
    A. Free Unlimited ATM transactions at HDFC Bank ATMs
    B. 30 Free ATM transactions/month at non-HDFC Bank domestic ATMs

  • What are the Demat^ benefits available
    A. Nil Demat A/c opening charges*
    B. Lifetime Fee Annual Maintenance Charges on Demat Account
    C. Get ₹25 lakh of Free cash volume (up to 90 days) & Delivery brokerage (post free volume) of 0.10%

  • What are the Insurance benefits available with my account
    No charges for Cheque books
    A. Free Online transactions through IMPS/NEFT/RTGS/UPI
    B. Free Insta Alerts
    *Terms & Conditions apply | The above offering is only for a new Demat & Trading A/c opening.

  • What are the other benefits available
    Nil Charges for –
    A. Cash transactions (Self & 3rd Party)
    B. ATM transactions @ HDFC Bank ATMs
    C. Cheque books
    D. Locker fees for first year^ (Applicable only for 1st locker with the bank)
    E. Service request like Interest Certificate / Balance Certificate and many others
    F. Demand Draft / Pay Order
    H. Digital transactions like IMPS/ NEFT / RTGS/ UPI
    G. Insta alerts
    ^Discount is basis financial year​​​​​​​
    ​​​​​​​No liability account charges for Super Senior Citizen customers

  • Do I get free doorstep banking facility
    Free Doorstep Banking Services are available for Senior Citizens above 70 years. Know more

Investments benefits

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. 

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. 

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. 

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.