Premium Current Account for Convenient & Effective Banking

All You Need To Know

FEES & CHARGES

Enclosed below are HDFC Bank Premium Current Account fees and charges
Features		Premium Current Account
Average Quarterly Balance (AQB)		₹ 25,000/-
Non-Maintenance Charges (per quarter)		₹ 1,800/-

Note: Cash deposit limits will lapse if AQB maintained is less than 75% of required product AQB

Download Fees & Charges effective 1st August 2025

Terms & Conditions

Cash Transactions

Cash Transactions
Combined Cash Deposit at Home Location, Non-Home Location & Cash Recycler Machines** (Monthly Free Limit)		Free up to ₹3 Lakh or 25 transactions (whichever is breached first) at any HDFC Bank Branch / Cash Recycler Machines; Beyond free limits, standard charges @ ₹4 per ₹1000, minimum ₹50 per transaction beyond free limits
Cash deposit in low denomination coins and notes i.e. ₹20 and below @ any HDFC Bank Branch (Monthly)		Cash deposit in notes = Nil free limits; chargeable at 4% of cash deposit in low denomination notes
		Cash deposit in coins = Nil free limits; chargeable at 5% of cash deposit in coins
Operational Limit for Cash Deposit @Non-Home Branch (per day)		₹ 25,000/-
Cash Withdrawal Limit @ Home Branch		Free
Cash Withdrawal Limit @ Non Home Branch (Daily Limit)		₹ 25,000/- per day Charges @ ₹ 2/- per ₹ 1,000/-, minimum ₹ 50/- txn beyond free limits
Daily Third Party Cash Withdrawal limit @ Non-Home Branch		Rs 50,000/- per transaction

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Non - Cash Transactions

Non - Cash Transactions
Local / Intercity Cheque Collection/Payments & Fund Transfer		Free
Bulk Transactions* - Monthly Free Limit		Free up to 75 transactions; Charges @ ₹35 per transaction beyond free limits
Cheque Leaves - Monthly Free Limit		Free up to 100 cheque leaves. Charges @ ₹ 3/- per leaf beyond free limits
Outstation cheque collection @ Clean Location (per instrument charges)		Upto ₹ 25,000 - ₹ 50/- ₹ 25,001 to ₹ 1,00,000 - ₹ 100/- Above ₹ 1,00,000 - ₹ 150/-
Demand Drafts (DD)/ Pay Orders (PO) @ Bank Location		Nil free limit. Charges ₹ 1/- per ₹ 1,000/-, Min ₹ 50/- and Max ₹ 3,000/- per instrument beyond free limit
Demand Drafts (DD) @ Correspondent Bank location		Charges @ ₹ 2/- per ₹ 1,000/- ; Minimum ₹ 50/- per instrument

* Bulk transactions includes count of all Cheque clearing and Fund Transfer Transactions

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NEFT / RTGS / IMPS Transactions

NEFT / RTGS / IMPS Transactions
NEFT payments		Free on NetBanking & Mobile Banking; Branch Banking = Up to ₹10K: ₹2 per transaction, Above ₹10K up to ₹1 Lakh: ₹4 per transaction, Above ₹1 Lakh up to ₹2 Lakh: ₹14 per transaction, Above ₹2 Lakh: ₹24 per transaction
RTGS payments		Free on NetBanking & Mobile Banking; Branch Banking = ₹2 Lakh to ₹5 Lakh: ₹20 per transaction, Above ₹5 Lakh: ₹45 per transaction
IMPS Payments		Up to ₹1000: ₹2.5,
		Above ₹1000 up to ₹1 Lakh: ₹5,
		Above ₹1 Lakh up to ₹2 Lakh: ₹15
NEFT / RTGS / IMPS Collections		Free

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Debit Cards

Debit Card	EasyShop Business#	ATM Card
Annual Fee per card	Rs 350/- plus taxes	Free
Daily ATM limit	Rs. 1,00,000	Rs. 10,000
Daily Merchant Establishment Point of Sale limit	Rs. 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. 
*Revised Business Debit Card charges are effective from 1st August’2024

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ATM Usage
ATM Txns (@ HDFC Bank ATM)		Unlimited Free
ATM Txns (@ Non- HDFC Bank ATM)		No Free Limits, Charges @ ₹ 21/- per transaction

Account Closure Charges
Closure: Up to 14 days		No Charge
Closure: 15 days to 6 months		₹ 500/-
Closure: 6 months to 12 months		₹ 250/-
Closure: Beyond 12 months		No Charge

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Premium Current Account

All You Need To Know

FEES & CHARGES

Cash Transactions

Non - Cash Transactions

* Bulk transactions includes count of all Cheque clearing and Fund Transfer Transactions

NEFT / RTGS / IMPS 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

Premium Current Account

All You Need To Know

FEES & CHARGES

Cash Transactions

Non - Cash Transactions

* Bulk transactions includes count of all Cheque clearing and Fund Transfer Transactions

NEFT / RTGS / IMPS 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