What are the features and benefits of 'Classic Banking'?

  • Dedicated Personal Banker
    As a Classic customer we believe that you need that extra special attention, and so we assign you to your very own Personal Banker. Your Personal Banker is an experienced and professionally trained individual who first understands your financial requirements and accordingly tailors recommendations while making banking a pleasurable and convenient experience for you. So whether it is expert advise on financial investments or a loan at attractive rates, trust your Personal Banker to get the job done!
  • Relationship Pricing on a variety of products  
    • Get preferential pricing across a wide range of financial products, such as Loans, Preferential Forex rates, Demat / HSL transaction cost and Locker*.
    • Waiver on charges of a host of services.
  • Family Benefits
    To add to your delight, these value added features that you will enjoy as our Classic customer, will be extended to the members of your family as well. Just speak to your Personal Banker for the same.
  • Exclusive Privileges
    • Credit Cards
      We are proud to offer you a range HDFC Bank Credit Cards that offers you exclusive and preferential benefits.
    • Classic Easy Shop Platinum Debit Card
      As a Classic customer, you can get a Classic EasyShop Platinum Debit card absolutely Free. You will have a withdrawal limit of Rs. 1,00,000 per day on your Debit Card and Rs. 2,75,000 when you use your card ( Online + POS ) at a merchant establishment.
    • Combined Monthly Statement:
      As a Classic customer you will receive a combined statement by email every month. Your monthly statement will provide you with details of all your Current Accounts, Savings Accounts and Fixed Deposits for which you are the principal account holder. As per your preference, you could opt for the Passbook facility.
    • E-Newsletter:
      Get product offers and investment insights with the monthly e-newsletter 'Classic Speak' exclusively for Classic Customers.

*Terms and Conditions apply. The aforesaid features, benefits and privileges are applicable only till the time the customer is a part of the Classic programme.

What are the eligibility criteria to become a 'Classic Banking' customer?

You can avail of these privileges as an HDFC Bank Classic customer if you maintain an account with us in your individual capacity and meet the following criteria:

  • A minimum Average Quarterly Balance of Rs.1 Lakh in a Savings Bank account (this can be maintained across Savings Bank accounts held by you and your immediate family (i.e. spouse/ parents/ children)
    OR
  • A minimum Average Monthly Balance of Rs. 5 Lakhs in a combination of Savings Bank accounts and Term Deposits (this can be maintained across accounts held by you and your immediate family (i.e. spouse/ parents/ children).

* The tenure of the Fixed Deposits should be at least six months.
** HDFC Bank can at its sole discretion, amend any of the services/ facilities given in the account either wholly or partially at any time by giving at least 30 days of notice and/or provide an option to switch to other services/ facilities. Entry into the programme is at the sole discretion of the bank.

What are the fees and charges for Classic Customers?

Product Benefits to Classic Customers
Demat Account
Charges Type  Fees Min / Max
Annual Maintenance Charges # No Transactions Rs.500/- per annum * -
 Atleast 1 or more Transaction Rs.250/- per annum ** -
 
Charges Type  Fees Min / Max
Debit Transactions
(Market / Off Market)
SPEED-e / Easiest 0.04% of the value of the txn.
***(Min -Rs.25/- & Max Rs 5000/- for Debt Instruments)
Rs.20/- (min) 
HDFC Securities Rs.25/- (min) 
Manual Rs.40/- (min) 

* Please note that the preferential pricing is applicable as long as the customer meets Classic Banking Programme eligibility criteria as outlined by the Bank.

# Rest all charges are as per standard rate,for more details kindly refer

HSL Account All Classic customers enjoy relationship pricing in HSL A/c at a discounted price of Rs 499/- which is a onetime fee.
Credit Cards Classic Customer are eligible for HDFC Bank Credit Card. (* subject to eligibility)
Forex Conversion rates on FX transactions can be improved up to 5 paise on card rates for both buy and sell.
Debit Card Free Classic Platinum Chip Debit Card with the following benefits:
(a) 1% CashBack* on shopping
(b) Fuel Surcharge Reversal* across all Fuel Stations.
(c) Personal Accidental Death Insurance* of Upto Rs. 10 Lacs
(d) Shopping limit of Rs. 2.75 Lacs & Cash withdrawal limit of Rs.1 Lac per day at HDFC Bank ATMs
(e) Chip Technology
(f) Convenience of modifying International Debit Card limits through NetBanking & PhoneBanking.
* Terms & conditions apply.

Normal Debit card annual fee of Rs.100 will be waived for life (where life = the duration the customer is part of the Classic Portfolio)
Locker 25% waiver on Annual Locker Rent available for first locker at group level**
Combined Monthly Statement All customers will receive a combined E-statement at a monthly frequency.
The statement will provide details of all CASA and FD a/c’s where the customer is the first holder.
Pass books are available for Classic Customers free of charge
Bill Pay Bill Pay charges of Rs.25 per annum will be waived for the these customers as long as they are part of the Classic portfolio
Insta Alert Insta Alert charges will be waived for these customers as long as they are part of the Classic portfolio.
Assets Classic Portfolio customers will get relationship pricing on Asset product *
Service charges (Non maintenance of AQB charges) Charges on non maintenance of AQB will be waived for all a/c’s of the Classic portfolio customer as long as he is a part of the portfolio
Chequebook Classic customers will enjoy the benefit of PAP chequebook by default * Applicable to Savings Account
DD/MCs Classic customers will enjoy the benefit of issuing free DDs uptoRs. 1,00,000 per day at HDFC Bank locations. *(Applicable for SA).
Self Cash deposit / Withdrawal at home branches No limit
Self Cash deposit / Withdrawal at
non home branches
Free upto 1 lac
Third party Cash transactions # Free 3 transactions per month beyond that Rs.100/- per transaction
Transactions on Domestic ATM No charges for usage of HDFC Bank as well as Non HDFC Bank ATMs
Adhoc Physical Statement# Chargeable as per the mode of request
NetBanking/Mobile Banking/IVR/ATM : Rs 50/- per instance
Phonebanking: Rs 75/- per instance
Branch: Rs 100/- per instance
Standing Instructions Free
Free e-age banking Classic customers can enjoy the convenience of anytime, anywhere banking via free NetBanking, MobileBanking and PhoneBanking
NEFT Classic customers will be chargeable for NEFT transactions through Net and Branch
Programme Management fee A nominal Programme Management fee of Rs.100, per quarter is applicable per customer ID, on the Classic Banking Programme for Savings and Current Account holders, effective from Jan’16 . Services tax applicable. T&C Apply

The above charges are specific to Savings accounts only. For current accounts - all account level pricing will apply. (Respective product charges will apply, for items not in above list.). (# Effective 1st Dec'2014)


Have questions?

 
Banner

Ride the rally with a Demat & Trading Account !

Apply Online

Special offers

    PreviousNext
    Close