Open Salary Account for Government Employees

All You Need To Know

TERMS & CONDITIONS

Balance

Enjoy an exclusive Lifetime Free Zero balance account
Gift your family a zero balance salary family account with benefits similar to your Salary Account. Click Here to Know more.

Exclusive Benefits

Overdraft - Overdraft facility against your salary - Upto 3 times of your monthly Salary*
Consumer Durable Loan -*Available on select products /models of leading brands at select locations* without any processing fee* and No Extra Cost EMI

Convenience

Unlimited Free access to HDFC Bank ATMs* and Other bank ATMs
Unlimited Free Demand Drafts*

Debit card

1. Free Millennia Debit Card with Higher Debit Card Limits

Daily Domestic ATM withdrawal limits: Rs. 50,000
Daily Domestic Shopping limits: Rs. 3.5 lacs

Cashback & Discounts

1. CashBack Points

Get up to ₹4800 CashBack every year
5% CashBack on shopping via PayZapp and SmartBuy.
2.5% CashBack on all online Spends
1% CashBack on all offline spends and Wallet reloads

Other features:-

4 Complimentary Domestic Airport Lounge access annually
Accidental insurance cover up to ₹10 lakhs

Know the features and benefits of the Millennia Debit Card:-

1. CashBack Rewards

CashBack Points can be earned for every transaction greater than ₹400
Maximum aggregate CashBack Points per card per month is ₹400
CashBack Points need to be redeemed through NetBanking in mulitples of 400
CashBack Points will be credited in 90 days from the date of transaction
CashBack Points will be valid for redemption within the next 12 months after which your CashBack Points will lapse.

How to Redeem CashBack Points?
Login to NetBanking > Cards > Debit Cards > Enquire > CashBack Enquiry and Redemption > Account Number > Continue > Input the CashBack amount in multiples of 400

Insurance

Free Personal Accidental Death cover of ₹ 5 lakhs* and free Air Accidental Death cover of ₹ 25 lakhs* on your account. Click Here
Accelerated Personal Accident Death Cover of up to Rs. 10 lakhs on your debit card
You are entitled to a Base Personal Accident Death Cover by Air/Road/Rail for a sum assured of Rs. 5 lakh.
Additionally, you are also eligible for an Accelerated Personal Accident Death Cover up to a maximum of Rs. 5 lakh, subject to minimum transactions at merchant locations / online. Click Here to know more.
All Debit Card holders are required to use their Debit Card at retail OR on-line stores at least once every 30 days to keep the free Personal Death Insurance cover on their Debit Card active.
International Air Accident Cover on your debit card
Now get additional International Air Coverage of flat Rs.1 Crore on purchase of air ticket using your Debit Card. Click Here to Know More.
Fire & Burglary Protection of Rs. 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.

Checked Baggage Insurance Sum of Rs. 2 lakh
Applies if the insured is travelling on tour and / or on holidays to location within India, to the intrinsic value of the accompanied personal baggage belonging to the card holder, so lost because of fire, theft, burglary and accident of travelling vehicle. Click Here for more details.
Zero Liability Cover of Upto Rs. 4 lacs against fraudulent transactions
You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place upto 90 days prior to reporting the card loss. Click Here for more details.

Travel & Fuel Surcharge

Fuel Surcharge Reversal:
Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines.
Airport Lounge access offer:
To compliment your adventurous expeditions, this card gets you 4 complimentary lounges access annually (once per calendar quater) at domestic airports across India. For the list of lounges where the offer is valid and conditions, Click here.

Investment, Loans and Credit cards

Get preferential pricing on loans (Apply Online)-and get access to our Super Premium Credit cards (Apply Online).
Easy investments with high returns. Open a Fixed Deposit instantly through NetBanking
Save on charges when you apply for loans, credit cards and more*

*Terms and Conditions apply – Features and Benefits may vary subject to corporate offer

TERMS & CONDITIONS

What are the eligibility criteria for Personal Accident Death Cover ?

The following are the broad Terms & Conditions of the captioned cover on salary account

Accidental Death resulting from bodily injury due accident only.
Accidental Death resulting from bodily injury which directly and independently of all other causes results in Death within twelve (12) months of the event date
On the event date, the account holder Is a bonafide employees (aged less than 70 years ) of the organization to whom the specific offer has been extended
Is holding a Salary Account under the Corporate Salary Account Program with HDFC Bank and has received salary credit in the month or month prior
Should have carried out at least one purchase transaction using the Debit Card, within 6 months prior to the date of loss.
In case of Air Accidental Death claim ticket should have been purchased using Debit Card linked to Salary Account
Cover provided only to the primary account holder

Can I use my existing Salary Account if I have changed employers ?

Yes, In case an arrangement exists, we request you to visit the nearest branch along with a letter. The letter should have your complete name and account number and state that you have joined the corporate and want to convert your account to a salary account

Can a Company ID card be accepted as a Photo ID document?

No, a Company ID cannot be accepted as a Photo ID document. A government issued photo ID card is mandatory. No, a Company ID cannot be accepted as a Photo ID document. A government issued photo ID card is mandatory.

What is the time taken to realize outstation cheques?

The indicative time taken for the realization of outstation cheques is given below:

Cheques drawn where HDFC Bank has a branch, credit will be given on receipt of clear funds in:
Main metro locations (Mumbai, Chennai, Kolkata, New Delhi): 7 working days
Metro centers and state capitals (other than those of North Eastern states and Sikkim): Maximum period of 10 working days.
In all other centres where we have branches: maximum period of 14 working days.
Cheques drawn on non-branch locations where we have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days
Cheques drawn on non-branch locations where we do not have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days
For more details on the outstation cheque collection policy, click here. For other queries, Contact Us

Government Salary Account

All You Need To Know

FEATURES

Balance

Exclusive Benefits

Convenience

Debit card

Cashback & Discounts

Insurance

Travel & Fuel Surcharge

Investment, Loans and Credit cards

ELIGIBILITY

FEES & CHARGES

DOCUMENTATION

FAQs

Manage Your Accounts

Tools & Calculators

Types of savings account

Ways To Bank

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