Complimentary Rupay Domestic debit card on your NRO Elite Savings Account with withdrawal limits

  • Daily Domestic ATM withdrawal limits: Rs. 25,000
    * Per day ATM withdrawal limit on your Debit Card is now capped at ₹2 lacs for security purposes.

  • Daily Domestic Shopping limits: Rs. 2.75 lacs

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 Insurance coverage

  • Personal Accidental Death / Permanent Disability Insurance of Rs. 2 lacs

    • You are entitled to a Personal Accidental Death / Permanent Disability Insurance by Air/Road/Rail - Sum assured Rs 2 lakhs

    • For any Claims under Personal Accidental Death / Permanent Disability Insurance to be accepted and processed, the Cardholder should have carried out at least 1 POS (point of sale) transaction using the RuPay NRO Debit Card, within 30 days prior to the event date.

  • Fire & Burglary Protection of ₹200,000

    • You are insured for the items purchased using Debit Card (upto 6 months) - Sum assured Rs. 200,000. Click here for more details

Airport Lounge access

  • RuPay Premium Airport Lounge Access program provides access to the participating lounges two (2) times per calendar quarter per card in any of the 27 domestic airport lounges. Please click here to check out the Domestic airport lounges. Please click here to read the TnC.
  • 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 & Rupay Domestic 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/UPI

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 NRO 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

Waiver on Rupay Debit Card charges for the primary holder

Rs 200 per year

Waiver on Rupay Debit Card charges for the secondary holder

Rs 200 per year

Personal Accidental Death Cover of Rs 2 lakh on your Rupay Debit Card*

Rs 300 per year

Fire & Burglary Protection of Rs. 200,000 on your Rupay Debit Card*

Rs 400 per year

Domestic Airport Lounge Access - 2 per quarter on Rupay 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. 19,050

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


Conduct transactions 24x7 online through HDFC Bank NetBanking

You can also appoint a resident Indian as the mandate holder of your NRO 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 NRO 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