Money Maximiser

  • Money Maximizer: Earn higher interest on idle money in your account by requesting for our automatic sweep out facility where surplus funds are automatically put in a fixed deposit. To know more about Money Maximizer Facility - Click here

  • Sweep-In: If at any time your Savings Account starts to run low on funds, the Fixed Deposit will be automatically dissolved to meet the short fall and transaction can be processed basis sweep in of funds from FD.

Complimentary International Platinum debit card on your NRE Elite Savings Account with higher withdrawal limits

  • Daily Domestic Shopping limits: Rs. 5 lacs
  • ​​​​​​​Daily Domestic ATM withdrawal limits: Rs. 1 lac

Complimentary Insurance coverage

  • Death Cover by Air / Road / Rail - Sum Insured up to Rs. 12,00,000 on Platinum Debit card. Click here for more details.

  • Now get additional International Air Coverage of flat Rs.3 Crore on purchase of air ticket using your Platinum Debit Card. Click Here to Know More.

  • Fire & Burglary for the items purchased under Platinum Debit Card (upto 6 months) - Sum assured Rs. 200,000. Click here for more details.

Cash Backs Points on select debit card transactions

  • Get 1 Cashback point on every Rs. 100 spent on Telecom, Utilities.

  • 1 CashBack point on every Rs. 200 spent on Groceries & Supermarket, Restaurant & Apparels, Entertainment

  • Maximum cap of Rs. 750 per card per month

Airport Lounge access

  • Complimentary Lounge Access - 2 per Calendar Quarter. ​​​​​​​
    Click here for the list of airport lounges.

  • Effective 1st  January 2024, you will get complimentary lounge benefit only if you spend Rs. 5000 or more in previous calendar quarter.  

    For more information click here

Get a personalised chequebook & Platinum debit card.

Free Insta alerts on SMS and Email for all holders and Free Email Statement facility

Unlimited Transactions (Financial & Non-Financial) at any HDFC Bank ATM’s in India.

Waiver on PIS issuance charges and waiver on 1st year Demat AMC.

Free Online transactions through IMPS/NEFT/RTGS

No charges for Cheque books

Managers cheques/demand drafts- Issuance of upto Rs. 1,00,000/- Nil charges 
​​​​​​​(Above Rs. 1,00,000/- Rs 5 per 1000 on entire amount)




Preferential NR conversion rate*

(assuming FCY inward remittance of USD 10000 have been remitted and regular T.T. Buying (Inward rate) considered as 81.45 and NR conversion rate considered as 82.10)

Rs 6500

PIS Issuance Charges on NRE PIS Account

Rs 1000

One-time Complimentary Pick up of Account Opening Request from Home country (Applicable for Non-face to face account opening for customers who have migrated abroad)

Rs 3000

Personal Accidental Death Cover of Rs 10 lakh on your Platinum Debit Card*

Rs 1,500 per year

Air Accident Cover of Rs. 3 Cr*

Rs. 500 per year

Waiver on Platinum Debit Card charges for the primary holder

Rs 750 per year

Waiver on Platinum Debit Card charges for the secondary holder

Rs 750 per year

Get up to 1% Cash-back on purchases with your Platinum Debit Card

(Assuming spends of Rs.6,000 - Rs. 6,500 every month)

Rs 720 per year

Domestic Airport Lounge Access - 2 per quarter on Platinum Debit Card (assuming 4 usage per year)

Rs.6000 per year

Waiver of Service Charges (Insta alerts)

(assuming customer initiates 500 transactions per year where Insta alert via SMS is triggered)

Rs 100 per year

Waiver of Service Charges (Cheque book)

(assuming customer requires 2 cheque books per year)

Rs 100 per year

Waiver of Service Charges (AMC Waiver for 1st year on Demat

Rs 750 per year

Waiver of Demand Drafts (Assuming DD of Rs 1 Lakh is issued)

Rs 500 per year


Rs. 22,170

*Certain values mentioned above are arrived based on assumptions of amount / no of transactions.


Transfer funds freely* between India and other countries in a freely convertible foreign currency

Transfer funds held in NRE account to abroad via netbanking*

Present foreign currency notes/traveller's cheques brought in by you when visiting India*.

Transfer funds from an existing NRE /FCNR Account held in other banks in India

Pay ZERO tax in India on the interest earned on your NRE Elite Savings Account

​​​​​​​*Subject to levy of applicable service charges and GST.


Conduct transactions 24x7 online through HDFC Bank NetBanking

You can also appoint a resident Indian as the mandate holder of your NRE Elite Savings Account. The chosen Resident individual can operate your account on your behalf.

Steps to add a mandate holder for an NRI account

To add a mandate holder to your NRE Savings Account, you will need to submit the following:

  • Letter of Mandate form duly signed by all the account holders. Click here to download the form.

  • Mandate holder's photograph

  • Valid photo ID proof

  • Address proof

The above documents should be self-attested by the mandate holder and must be submitted at a HDFC Bank branch in India. The presence of the account holder and mandate holder at the branch while submitting the request is mandatory.


  • Choose & Customize your own Account number with My Bank Account My Choice Facility

  • Family Banking benefits through our HNW program

  • Dedicated Relationship Manager through our HNW program


Fees & Charges