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Salary < 25K

A range of unique benefits valued at over Rs. 15,331 per annum*
Category	Benefit / Features	Annual Savings (Rs.)
Insurance cover	Air Accident cover - Rs.25 lakhs	1,400
	Personal Accident cover - Rs.10 lakhs	1,000
	Benefits Beyond Salary-Zcare offer (Times Prime Membership) (Free for 1st year)	999
MoneyBack Debit Card	Upto 10% Exclusive Discount on MoneyBack Debit Card	1,000
	Welcome benefit and Usage Benefit	500
	Personal Accident Death Insurance Cover (Air/Road/Rail)	1,000
	5% CashBack on BillPay Standing Instructions on Debit Card	1,200
	PayZapp and SmartBuy Cashback Benefit	1,920
	4 Complementary Lounge Access per year	4,000
	Annual fees waiver	650
Freedom Credit Card	Online Spends	330
	Dining Spends*	132
	Fuel Spends	480
	Utility Spends*	360
	Other Spends	360
Total Savings on switching your Salary Account		15,331

*Credit card benefits:The above example is for illustration purposes only. Terms and Conditions apply.**
Online Spends	Spends of Rs. 60K per year
Dining Spends*	Spends of Rs. 24K per year
Fuel Spends	Spends of Rs. 48K per year
Utility Spends*	Spends of 36K per year
Other Spends	Spends of 36K per year

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Salary 25K to 50K

A range of unique benefits valued at over Rs. 29,844 per annum*
Category	Benefit / Features	Annual Savings (Rs.)
Insurance cover	Air Accident cover - Rs.25 lakhs	1,400
	Personal Accident cover - Rs.10 lakhs	1,000
	Benefits Beyond Salary-Activcare offer (Life Insurance and Hospi cash) (Free for 1st year)*	1,344
Millenia Debit Card	5% Cashback on Smart shopping on HDFC Bank SmartBuy and PayZapp	1,500
	2.5% Cashback on Online spends - Save with every click	2,300
	1% Cashback on offline Spends and Wallet Reloads	1,000
	5% Cashback on BillPay Standing instructions on Debit Card	1,200
	Personal Accidental Death Insurance Cover	1,000
	4 Airport lounge access benefit	4,000
	Millennia Debit Card Annual Charges (Free for HNW /Select Corporates)	500
Premium Credit Card - MoneyBack+	10X CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy	6,000
	5X CashPoints on EMI spends at merchant locations; upto 2,500 CashPoints per month	4,000
	2 CashPoints per ₹150 spent on other spends ( Excluding fuel, wallets loads/prepaid card loads & voucher purchases )	2,000
	1% Fuel Surcharge Waiver	600
	Quarterly Spend milestone#	2,000
Total Savings on switching your Salary Account		29,844

*Credit card benefits:The above example is for illustration purposes only. Terms and Conditions apply.**
13	Spends of Rs. 1.8 Lakhs per year
14	Spends of Rs. 1.8 Lakhs per year
15	Spends of Rs. 1.2 Lakhs per year
16	Spends of 60K per year
17	Spends of Rs. 50,000 per quarter

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Salary 50K to 1 Lac

A range of unique benefits valued at over Rs. 46,460 per annum*
Category	Benefit / Features	Annual Savings (Rs.)
Insurance cover	Air Accident cover - Rs.25 lakhs	1,400
	Personal Accident cover - Rs.10 lakhs	1,000
	Benefits Beyond Salary-Procare offer (Life Insurance and Hospi cash) (Free for 1st year)	2,910
Platinum Debit Card	Annual Fee Waived	750
	Personal Accidental Death Insurance upto Rs. 10 lacs	1,000
	5% CashBack on BillPay Standing Instructions on Debit Card	1,200
	PayZapp & SmartBuy Cashback Benefit	2,700
	Upto 1% Cashback(1) on Retail / Online Purchases	1,100
	Complimentary Lounge Access	8,000
Premium Credit Card - Millennia	5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato	12,000
	1% cashback on all other spends (except Fuel) including EMI & Wallet transactions	1,800
	1% Fuel Surcharge Waiver	600
	8 Complimentary Domestic Airport Lounge access annually	8,000
	Quarterly Spend milestone#	4,000
Total Savings on switching your Salary Account		46,460

*Credit card benefits:The above example is for illustration purposes only. Terms and Conditions apply.**
12	Spends of Rs. 2.4 Lakhs per year
13	Spends of Rs. 1.8 Lakhs per year
15	Spends of 60K per year
17	Spends of Rs. 1,00,000 per quarter

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Salary 1 Lac - 2 Lacs

A range of unique benefits valued at over Rs. 1,09,666 per annum*
Category	Benefit / Features	Annual Savings (Rs.)
Insurance cover	Air Accident cover - Rs.25 lakhs	1,400
	Personal Accident cover - Rs.10 lakhs	1,000
	Benefits Beyond Salary-Procare offer (Life Insurance and Hospi cash) (Free for 1st year)	2,910
Platinum Debit Card	Annual Fee Waived	750
	Personal Accidental Death Insurance upto Rs. 10 lacs	1,000
	5% CashBack on BillPay Standing Instructions on Debit Card	1,200
	Upto 1% Cashback(1) on Retail / Online Purchases	1,100
	PayZapp & SmartBuy Cashback Benefit	2,700
	Complimentary Lounge Access	8,000
Super Premium Credit Card - Regalia	4 RP for every Rs 150 spent on Utility bill payments on Smartpay* including insurance & rent pay	3,200
	Upto 30% off via Dineout Passport Membership and enjoy 4 Reward Points for every Rs 150 spends	22,156
	1% Fuel Surcharge Waiver	600
	Fee Waiver on Spends of Rs. 3,00,000	2,500
	Lounge Access Benefit ( Domestic + International )	30,150
	Offer*- Up to 5% CashBack / Discount via SmartBUY Merchant Partners	12,000
	10000 Bonus Reward Points on 5 Lakh Annual spends	5,000
Complementary HDFC Bank Products / Services	Exclusive discount of 25% on one locker* for you & your family	10,000
Complementary HDFC Bank Products / Services	Privilege Banking rates* for products & services you avail	4,000
Total Savings on switching your Salary Account		109,666

*Credit card benefits:The above example is for illustration purposes only. Terms and Conditions apply.**
Credit card Benefits	Monthly Spends (in Rs.)	Annual benefit (in Rs.)
4 Reward Points on daily and retail spends (like Grocery, Apparel, Utility / Bill Pay, Electronics, Insurance, School fees, Rent Payment etc.)	20,000	3,200
Upto 30% Discount on Dining Spends via Dineout passport membership + 4 Reward Points	5,000	22,156
1% Fuel Surcharge Waiver	5,000	600
Fee Waiver on Spends of Rs. 3,00,000	-	2,500
Offer*- Up to 5% CashBack / Discount via SmartBUY Merchant Partners	20,000	12,000
Milestone Bonus !! 10,000 Reward Points on annual spends of Rs. 5,00,000		5,000
Total	50,000	45,456
12 Domestic + 6 international complimenatray airport lounge access		30,150
Annual Total	6,00,000	75,606

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Salary 2 Lacs-5 Lacs

A range of unique benefits valued at over Rs. 1,21,666 per annum*
Category	Benefit / Features	Annual Savings (Rs.)
Insurance cover	Air Accident cover - Rs.25 lakhs	1,400
	Personal Accident cover - Rs.10 lakhs	1,000
	Benefits Beyond Salary-Procare offer (Life Insurance and Hospi cash) (Free for 1st year)	2,910
Platinum Debit Card	Annual Fee Waived	750
	Personal Accidental Death Insurance upto Rs. 10 lacs	1,000
	5% CashBack on BillPay Standing Instructions on Debit Card	1,200
	Upto 1% Cashback(1) on Retail / Online Purchases	1,100
	PayZapp & SmartBuy Cashback Benefit	2,700
	Complimentary Lounge Access	8,000
Super Premium Credit Card - Regalia	4 RP for every Rs 150 spent on Utility bill payments on Smartpay* including insurance & rent pay	3,200
	Upto 30% off via Dineout Passport Membership and enjoy 4 Reward Points for every Rs 150 spends	22,156
	1% Fuel Surcharge Waiver	600
	Fee Waiver on Spends of Rs. 3,00,000	2,500
	Lounge Access Benefit ( Domestic + International )	30,150
	Offer*- Up to 5% CashBack / Discount via SmartBUY Merchant Partners	12,000
	10000 Bonus Reward Points on 5 Lakh Annual spends	5,000
Complementary HDFC Bank Products / Services	Discount on annual Locker rentals*	20,000
Complementary HDFC Bank Products / Services	Privilege Banking rates* for products & services you avail	6,000
Total Savings on switching your Salary Account		121,666

*Credit card benefits:The above example is for illustration purposes only. Terms and Conditions apply.**
Credit card Benefits	Monthly Spends (in Rs.)	Annual benefit (in Rs.)
4 Reward Points on daily and retail spends (like Grocery, Apparel, Utility / Bill Pay, Electronics, Insurance, School fees, Rent Payment etc.)	20,000	3,200
Upto 30% Discount on Dining Spends via Dineout passport membership + 4 Reward Points	5,000	22,156
1% Fuel Surcharge Waiver	5,000	600
Fee Waiver on Spends of Rs. 3,00,000	-	2,500
Offer*- Up to 5% CashBack / Discount via SmartBUY Merchant Partners	20,000	12,000
Milestone Bonus !! 10,000 Reward Points on annual spends of Rs. 5,00,000		5,000
Total	50,000	45,456
12 Domestic + 6 international complimenatray airport lounge access		30,150
Annual Total	6,00,000	75,606

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Salary > 5Lacs

A range of unique benefits valued at over Rs. 3,96,660 per annum*
Category	Benefit / Features	Annual Savings (Rs.)
Insurance cover	Air Accident cover - Rs.25 lakhs	1,400
	Personal Accident cover - Rs.10 lakhs	1,000
	Benefits Beyond Salary-Procare offer (Life Insurance and Hospi cash) (Free for 1st year)	2,910
Platinum Debit Card	Annual Fee Waived	750
	Personal Accidental Death Insurance upto Rs. 10 lacs	1,000
	5% CashBack on BillPay Standing Instructions on Debit Card	1,200
	Upto 1% Cashback(1) on Retail / Online Purchases	1,100
	PayZapp & SmartBuy Cashback Benefit	2,700
	Complimentary Lounge Access	8,000
Super Premium Credit Card - Infinia	5 RP for every Rs 150 spent including on Utility bill payments on Smartpay* , insurance & rent pay ( excluding fuel)	16,000
	Get complimentary Dineout passport membership for a year. Get upto 40% discount on bill payments via Dineout pay. Enjoy 2X* Reward Points for every Rs 150 spends (stand alone restaurants)	79,200
	1% Fuel Surcharge Waiver	1,800
	Fee Waiver on Spends of Rs. 8,00,000	10,000
	Offer*- Up to 50 Reward Points via SmartBUY Merchant Partners	120,000
	Complimentary Golf Games	50,000
	Complimentary Lounge Access Benefit	48,600
Complementary HDFC Bank Products / Services	Locker* for you & your family	40,000
Complementary HDFC Bank Products / Services	Privilege Banking rates* for products & services you avail	11,000
Total Savings on switching your Salary Account		396,660

*Credit card benefits:The above example is for illustration purposes only. Terms and Conditions apply.**
Benefits	Monthly Spends (in Rs.)	Annual benefit (in Rs.)
5 Reward Points on daily and retail spends (like Grocery, Apparel, Utility / Bill Pay, Electronics, Insurance, School fees, Rent Payment etc.)	40,000	16,000
Upto 15% Discount on Dining Spends + 10 Reward Points	15,000	37,200
1% Fuel Surcharge Waiver	15,000	1,800
Fee Waiver on Spends of Rs. 8,00,000	-	10,000
Offer*- Up to 50 Reward Points via SmartBUY Merchant Partners	30,000	120,000
Total	100,000	185,000
12 Complimentary Golf Games	-	50,000
24 Complimentary Airport Lounge Visits	-	48,600
Annual Total	12,00,000	283,600

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Salary Account Switch to Save benefits

Salary < 25K

Salary 25K to 50K

Salary 50K to 1 Lac

Salary 1 Lac - 2 Lacs

Salary 2 Lacs-5 Lacs

Salary > 5Lacs