Features

Top Benefits


  • ACH/SI Mandate from account to enjoy Zero Balance
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  • Initial Payment (IP) = EMI of HDFC Home Loan

  • Lifetime Free Platinum Debit Card with lounge access

  • Unlimited Transactions at HDFC Bank ATMs

  • This product is exclusively for the customers having Home Loan EMI with HDFC Bank
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Lifestyle Benefits


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

  • Enjoy vouchers of ₹100 of your favourite brands - Uber / Swiggy / Gaana / Apollo Pharmacy**

  • Free domestic lounge access on your Platinum Debit Card – twice every quarter

These offers are linked to Debit Card purchases and maintenance of Standing Instructions/ACH in the Speciale Activ Savings account for Home Loan EMI payment.

Exclusive Healthcare Benefits


  • Insurance cover up to ₹10 lakhs on your Platinum Debit Card

  • Air accident cover of upto ₹3 crores on your Platinum Debit Card
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These offers are linked to Debit Card purchases. 

Financial Benefits


  • Free personalised Platinum Debit Card

  • Zero charges for opening a Demat Account

  • Waiver of annual maintenance charge for the first year on your Demat Account

  • Preferential pricing on lockers

  • Transaction benefits

  • Higher cash transaction limit

  • Free unlimited ATM transactions at HDFC Bank ATMs

  • No charges for cheque books

  • Free online transactions through NEFT / RTGS / UPI

  • Instant alerts of transactions
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Optional Benefits


  • Enjoy family banking benefits through our HNW program

  • Dedicated Relationship Manager through our HNW program to provide personalised services

*Amazon Pay Gift Card / Flipkart voucher Terms & Conditions

  • Minimum spends of ₹25,000 on the Debit Card in the first 90 days from the date of Account opening.

  • Standing Instructions/ACH in the Speciale Activ Savings account maintained for Home Loan EMI payment.

** Uber / Swiggy / Gaana / Apollo Pharmacy voucher subject to the following conditions:

  • You receive 3 vouchers of ₹100 each after the end of every quarter if your Debit Card is active every month.

  • Standing Instructions/ACH in this Speciale Activ Savings account maintained for Home Loan EMI payment.

Value Proposition

Offer Terms & Conditions

Fees & Charges