Fees & Charges Applicable on Max Advantage Current Account

All You Need To Know

Enclosed below are HDFC Bank Max Advantage Current Account fees and charges
Features		Max Advantage Current Account
AQB		Metro and Urban – ₹ 5,00,000/- Semi urban and Rural – ₹ 2,50,000/-
Non-Maintenance Charges (per quarter)		Metro and Urban – ₹ 8,000/- Semi urban and Rural – ₹ 4,000/-
Note: Free limits across Cash Deposit / Withdrawal / Total Transactions / Cheque leaves / DD & PO will lapse if AQB maintained is less than 75% of required product AQB.

Download Fees & Charges effective 1st October 2023

Download Fees & Charges effective 1st December 2024

Terms & Conditions

Cash Transactions

Cash Transactions
Combined Cash Deposit Limit @ any HDFC Bank Branch (monthly)		Free 12 times Current Month AMB (Upper Cap – ₹ 75 crores) Charges @ ₹ 3.5/- per ₹ 1,000/-, minimum. ₹ 50/- per transactions beyond free limits
Cash deposit in low denomination notes i.e. Rs 50 and below @ any HDFC Bank Branch (monthly)		1. Cash deposit in notes = Free up to ₹ 10,000/- per month, beyond free limit chargeable at 2% of cash deposit in low denomination notes
		2. Cash deposit in coins = Free up to ₹ 1,000/- per month, beyond free limit chargeable at 5% of cash deposit in coins
Operational Limit for Cash Deposit @Non-Home Branch (per day)		₹ 5,00,000/-
Cash Withdrawal Limit @ Home Branch		Free
Cash Withdrawal Limit @ Non Home Branch		Free 12 times Current Month AMB (Upper Cap – ₹ 75 Crs) Charges @ ₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- per transaction beyond free limits
Daily Third Party Cash Withdrawal limit @ Non-Home Branch		Rs 50,000/- per transaction

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Non - Cash Transactions

Local / Intercity Cheque Collection/Payments & Fund Transfer		Free
Total Transactions* - Monthly Free Limit		Free 150 transactions for every slab of ₹ 1 lac of current month AMB balance maintained. (Upper Cap - 3000 transactions) Charges @₹ 45 per transaction beyond free limits
Demand Drafts (DD)/ Pay Orders (PO) @ Bank Location		Unlimited Free
Demand Drafts (DD) @ Correspondent Bank location		Free upto ₹ 30 Lacs per month. Charges @₹ 1.50 per ₹ 1000/- ; Minimum ₹ 50/- per instrument beyond free limits
Cheque Leaves - Monthly Free Limit		Free 100 cheque leaves for every slab of ₹ 1 lac of current month AMB balance maintained. (upper cap – 2000 cheque leaves) Charges @₹ 3 per leaf beyond free limits
Outstation cheque collection @ Clean Location (per instrument charges)		Upto ₹ 25,000 – ₹ 50/- ₹ 25,001- ₹ 1 lakh – ₹ 100/- Above ₹ 1 lakh – ₹ 150/-

*Total Transactions includes count of Cash Deposit, Cash Withdrawal, Cheque Clearing and Fund Transfer Transactions

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Debit Cards

Features	EasyShop Business*	ATM Card
Annual Fee per card	Free	Free
Daily ATM limit	₹ 1,00,000/-	₹ 10,000 /-
Daily Merchant Establishment Point of Sale limit	₹ 5,00,000/-	NA
*Also available for partnership firms & limited company current accounts. In case, the MOP (Mode of Operation) is conditional, all AUS (Authorized Signatories) have to sign the form jointly.

*For Security reasons, ATM cash withdrawal limit is capped at ₹ 0.5 Lakhs per day and ₹ 10 Lakhs per month for first 6 months from Account opening date.  

For accounts older than 6 months, ATM cash withdrawal limit is capped at ₹ 2 Lakhs per day and ₹ 10 Lakhs per month. This is implemented with immediate effect. 

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ATM Usage

ATM Txns (@ HDFC Bank ATM)	Unlimited Free
ATM Transactions - Financial & Non-Financial (@ Non- HDFC Bank ATM)	Maximum of 5 Transactions Free in a month with a cap of maximum 3 free transactions in Top 6 cities¹ @ Non-HDFC Bank ATM. Charges beyond free limits @ ₹ 21/- per transaction 1. Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs will be considered as Top 6 cities

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NEFT payments		Free through Branch & Netbanking
RTGS payments		Free through Branch & Netbanking
IMPS Payments		Free
NEFT / RTGS / IMPS Collections		Free

Closure: Up to 14 days		No Charge
Closure: 15 days to 6 months		₹ 2,000/-
Closure: 6 months to 12 months		₹ 1,000/-
Closure: Beyond 12 months		No Charge

Max Advantage Current Account Fees & Charges

All You Need To Know

FEATURES

ELIGIBILITY

FEES & CHARGES

FAQs

Cash Transactions

Non - Cash Transactions

Electronic Transactions

Debit Cards

ATM Usage

Account Closure charges

Fees & Charges (Past Records)

Manage Your Accounts

Tools & Calculators

Ways To Bank

Phone Banking

in the current economy

Max Advantage Current Account Fees & Charges

All You Need To Know

FEATURES

ELIGIBILITY

FEES & CHARGES

FAQs

Cash Transactions

Non - Cash Transactions

Electronic Transactions

Debit Cards

ATM Usage

Account Closure charges

Fees & Charges (Past Records)

Manage Your Accounts

Tools & Calculators

Ways To Bank

Phone Banking

Difference Between Current Account & Savings Account

in the current economy