What are the features and benefits of 'Imperia Banking'?
- Personalized attention from a dedicated Imperia Client Relationship Manager
Enjoy the services of an Imperia Client Relationship Manager / Private Banking Relationship Manager: Your prosperity and peace of mind are important and your Imperia Client Relationship Manager or Private Banking Relationship Manager will effectively take care of your financial needs including anything from giving you expert investment advice to issuing a demand draft.
- Distribution of Financial Products (DFP)
DFP has products available in Equity, Mutual Funds, Debt Mutual Funds, Insurance, etc. to service to your investment needs. Mode of investment is Online.
- Private Banking Services*
This programme offers you customized and comprehensive investment advice across diverse asset categories, helping you makes the right choices. A Private Banking Relationship Manager is assigned to you as a one point contact, guiding you and attending to all your investment related needs including Direct Equity advisory, Derivatives of equities, Portfolio management services, etc.
- Distribution of Financial Products (DFP)
- 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. (refer to fees and charges section below)
- No charges of Balance enquiries and cash withdrawals if you transact on non HDFC Bank ATMs in India and abroad.
- Wide range of Business Banking Solutions
Your state of affairs is as important to us as your personal comfort. Hence, we present HDFC Bank’s Imperia Business Program with a wide range of Business solutions like Loan Against Property , Loan Against Rent Receivables , Working Capital* , Cash Management Services , E – net , Trade Services , Merchant Point of Sale ( POS : Point of Sale ) Terminals , Internet Payment Gateway and Corporate Salary Accounts.
- Exclusive Lifestyle Privileges designed for you
Enjoy the host of privileges, designed exclusively for you:
- HDFC Bank Premium Credit Card*
Some of the exclusive benefits of our Premium HDFC Bank Credit Card include accelerated reward points, multiple payment channels, fuel surcharge waivers and more.
- HDFC Bank Imperia Platinum Chip Debit Card*:
This is a small microchip embedded in the card. This helps to get a wide range of benefits including enhanced security, enhanced limits, cash back and much more. This card comes to you with an ATM withdrawal limit of Rs.1 Lac at ATMs and Rs. 2.75 Lacs at Merchant Establishments & Online.
* The annual charge on the card will be waived as long as you are a part of the Imperia programme.
- Imperia Magazine:
Depending upon your personal preferences on cultural activities, you can expect to keep pace with the latest trends in fashion, travel and the world of finance through our Quarterly magazine.
Imperia Magazine link
- HDFC Bank Premium Credit Card*
- Banking Convenience:
- Exclusive Imperia PhoneBanking Service: The Imperia Phone Banking service gives you the freedom to do almost anything over the phone – balance enquiry, loan-related queries, bill payment, etc. (No. 1800 22 3310 / 1800 102 3310)
- HDFC Bank Branch Network
- HDFC Bank ATM Network
- Free alerts on your mobile phone or in your mailbox by registering for our InstaAlert facility.
- Free registration for e-Age Banking - Avail of MobileBanking, NetBanking, or PhoneBanking.
- No charges on balance enquiries and cash withdrawals if you transact on non-HDFC Bank ATMs in India.
*Terms and Conditions apply.
Note: The aforesaid features, benefits and privileges are applicable only till the customer is a part of Imperia Programme. HDFC Bank reserves the right to change the benefits / services offered as part of the programme.
What are the eligibility criteria to become an 'Imperia Banking' customer?
Membership to the HDFC Bank Imperia Programme is by invitation only. To be eligible for the exclusive benefits you need to:
- Maintain a minimum Average Monthly Balance of Rs.30 Lakhs across all your Savings and Fixed Deposit* accounts.
- Maintain an Average Quarterly Balance of Rs.10 Lakhs in your Savings account. OR
- Maintain an Average Quarterly Balance of Rs.15 Lakhs in your Current account
The requisite balance can be maintained over your accounts and over those of your immediate family members.
*The tenure of the Fixed Deposits should be at least six months.
**Entry into the Imperia Programme is at the sole discretion of the Bank. HDFC Bank reserves the right to change the benefits / services offered as part of the programme.
What are the fees and charges for Imperia Customers?
|Product||Benefits to Imperia Customers|
|Demat account||Imperia customers can open multiple Demat accounts with the annual Folio Maintenance charges waived.
This waiver is available even if all the Demat a/cs are linked in to a single Savings a/c.
The Folio Maintenance charges will be waived off. They would be debited and then reversed.
Transaction charges are levied at 0.03% instead of 0.04% charged to regular customers. Minimum of Rs 25 per transaction. Demat charges - Rs.5/- per certificate + Rs. 35/- per request - Rs.40/- (min)
|Debit Card||Imperia customers can avail of the HDFC Bank Imperia Platinum Chip Debit Card for free as long as they are part of the programme. Enhanced limits of Rs.1 lac withdrawal at the ATM and Rs.2.75 lacs at POS & Online. Free Imperia 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) Chip Technology
(e) Convenience of modifying International Debit Card limits through NetBanking & PhoneBanking.
* Terms & conditions apply.
|Credit Card||Imperia customers can avail of a HDFC Bank Premium Credit Card with annual fees waived as long as they are part of the programme. Primary Customers to be given VISA Signature Credit Card and related ids to be issued as per the eligibility. (Exception-Housewife, Retired & Student)|
|Locker||Annual Locker rental rates at a 100% waiver for Imperia customers. This discount is available for only one locker per group.|
|Forex||- 10 paise better rates
- No issuance fees on TCs
- No FIRC charges
- 50% Waiver on issuance fees on Multicurrency card
|At Par Chequebook||Free by default * Applicable to Savings Account.|
|Combined Monthly Statement||All customers will receive a combined statement at a monthly frequency.
The statement will provide details of all CASA and FD a/cs where the customer is the 1st holder. Imperia customers can avail the facility of a combined e-mail statement.
|Service charges (Non maintenance of AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. charges)||Waived as long as the customer is part of Imperia programme|
|Transactions on Domestic ATM||No charges for usage of HDFC Bank as well as Non HDFC Bank ATMs|
|Self/Third party Cash deposit / Withdrawal at non home branches||No limit for Saving Bank accounts.|
|Free e-age banking||Imperia customers can enjoy the convenience of anytime, anywhere banking via free NetBanking, MobileBanking and PhoneBanking|
|HSL||HSL is at a discounted a/c opening price of Rs.499 ( Under scheme type E ) which is a one time fee and the HSL A/c will be a lifetime free account. Additional Activation benefit is Rs. 2 lac of delivery volume free ( valid for 90 days from the account opening date ).
Scheme Q : Free AOC ( where bank approves Zero AOC and branch bears the cost of Rs 400/-per account against Stamp charges) for Imperia/NR Imperia customers.
|Service Charge waivers for following transactions*||All these charges are waived of for Imperia customers:
- DD/MC charges
- Inter-branch funds transfer charges
- Stop payment charges
- Cheque return charges
- Cheque collection charges
- DD cancellation charges
- Hold mail charges
- Duplicate statement
- Certificate of balance
- Recovery of old records
|CASA sweep-in facilityWith HDFC Bank's Sweep-in facility, you gain the high interest rates that come with a Fixed Deposit, along with the liquidity of a Savings Account.||Customers can nominate funding/ beneficiary accounts and link accounts in the group|
|NEFT||Free through Net banking|
|RTGS||Free through Net banking|
|For Imperia Current Account customers, AQBAverage Quarterly Balance (AQB) is the average balance to be maintained in the account over a period of a quarter. Charges, Demand Draft** and Pay-Order** charges are waived off. For Regular, Premium, Trade and Plus Current Account Variants, free cash deposit limit is as per respective variant or 8 times Average Monthly Balance (AMB) of previous month, incremental amount above the free limit will be charged as per respective product variant charges.
For all other Current Account charges please refer 'Service Charges and Fees' Section for Current Account. (**Payable at HDFC Bank branch locations) (Respective product charges will apply, for items not in above list.)
Why should I go for HDFC Imperia Programme?
The HDFC Bank Imperia Programme is a whole new world of banking benefits exclusively for you. As an Imperia Customer you and your family are entitled to a host of benefits, including a wide range of preferentially priced products and specialised investment solutions. You will also have a dedicated Imperia Client Relationship Manager (ICRM) who will take care of all your financial needs.
How can I be eligible for the HDFC Imperia Programme?
You need a minimum Average Quarterly Balance (AQB) of just Rs. 10 Lakh in your Savings Bank Account (this can be maintained across Savings Bank Accounts held by you and your immediate family (i.e. spouse/ parents/ children).
You need a minimum Average Quarterly Balance (AQB) of just Rs. 15 Lakh in your Current Bank Account (this can be maintained across Current Bank Accounts held by you and your immediate family (i.e. spouse/ parents/ children).
You need a minimum Average Monthly Balance (AMB) of just Rs. 30 Lakhs in a combination of Savings Bank Accounts and Term Deposits. This can be maintained across accounts of you and your immediate family (i.e. spouse/ parents/ children).
Who will I have to contact for my regular banking queries?
As an HDFC Imperia Programme Customer, you will have a dedicated Imperia Client Relationship Manager (ICRM). Your ICRM will be your one point contact for any banking, service or investment related needs.
Can I include my existing Saving Accounts to the HDFC Imperia Programme?
Yes you can, provided the eligibility criteria are met.