Women's 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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Product benefits*

  • Accidental Death Cover of ₹ 10 lakh

  • Accidental Hospitalisation Cover of ₹ 1 lakh

  • Daily cash allowance of ₹ 1,000 per day for a maximum of 10 days per year, for each day of hospitalisation due to an accident

  • Additional International Air Coverage of flat ₹25 Lakhs on purchase of air ticket using your Debit Card

  • Fire & Burglary for the items purchased under Debit Card (upto 90 days) - Sum assured ₹ 2 lakhs

  • Loss of checked baggage - Sum assured ₹ 2 lakhs

For the claims to be accepted & processed, the first holder of the Women's Savings Account should have made at least 1 Point of Sale (POS) purchase at a merchant establishment using the Debit Card in the 3 months prior to the date of the accident 

*Terms & Conditions apply 

  • Avail a daily cash withdrawal limit of ₹ 25,000 and a daily shopping limit of ₹ 2.75 lakh, and enjoy CashBack upto of Rs. 1 for every ₹ 200 spent on your EasyShop Woman’s Advantage Debit Card

  • Get up to 90% finance on the on-road price of a vehicle and 7 year tenure when you apply for an Auto Loan 

  • Get Up to 3.5% lower interest rate on Two Wheeler Loan and a Up to 50% discount on processing fees

  • Get annual Maintenance charge waiver on the first year for Demat Account

  • Free folio maintenance charges on a Demat account for the first year ​​​​​​​

*T&C apply 

  • Get 50% discount on the issuance of a Gift Plus Card when you load a minimum of ₹5,000 on the card through the branch or via NetBanking

  • Avail a daily cash withdrawal limit of ₹ 25,000 and a daily shopping limit of ₹2.75 lakh, and enjoy CashBack upto of Re.1 for every ₹200 spent on your EasyShop Woman’s Advantage Debit Card

  • Free lifetime BillPay for all account holders

  • Free passbook facility for all individual account holders 

  • Free e-mail statements

  • Money Maximizer converts surplus savings into higher interest Fixed Deposits.
  • It offers both the high returns of Fixed Deposits and the flexibility of a Savings Account.
  • With Women’s Savings Account, you have the options to automate transfer of excess funds over and above ₹ 75,000

Sweep-in means that shortfall of funds in the savings account can be addressed through sweep-in of funds from Fixed Deposits booked.. This can help you when there is an or urgent requirement for liquid money.

The Sweep-Out Facility automatically transfers excess funds from your Savings Account into a Fixed Deposit as per the pre-decided threshold, offering higher interest rates.

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

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Fees and charges

Average Monthly Balance (AMB) for Metro / Urban - ₹10,000 and ₹5,000 for Semi Urban/ Rural. Non-maintenance charges applicable* 

*T&C apply

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

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.