Banking that understands you
HDFC Bank offers a wide range of banking services including savings accounts, fixed deposits, loans, and credit cards with industry-leading digital experiences.
5 Cr+ happy customers
Zero balance digital account
Up to 7.25% FD rates
4.0%
Savings Rate
₹0
Min Balance
Core Account Features
Account Type
Digital Savings Account with full banking privileges
Minimum Balance
₹0 for digital accounts, ₹10,000 for regular savings
Interest Rate
Earn up to 3.50% p.a. on savings, varies by balance tier
Account Types
Digital Savings
Savings A/cMonthly deposit — Unlimited
Zero balance account — ✅
Annual Program Fees — ₹0
Digital Fund Transfer — Free
Funding during a/c opening — ₹0
Virtual Debit Card — Free
Regular Savings
Savings A/cMonthly deposit — Unlimited
Minimum balance — ₹10,000
Annual Program Fees — ₹0
NEFT/RTGS/IMPS — Free
Cheque book — 25 leaves free
Physical Debit Card — Free
Current Account
Current A/cMonthly deposit — Unlimited
Minimum balance — ₹25,000
Annual Program Fees — ₹0
NEFT/RTGS — Free
Cash deposit — Up to ₹2L free
Business Debit Card — Free
Debit Cards
Virtual Debit Card
FREE and instantly available. Appears immediately in your mobile app for secure online shopping. No waiting, no delivery charges — start spending the moment your account is active.
Physical Debit Card
Available on request for ₹199 + GST. Premium physical card for in-store purchases and ATM withdrawals. Optional upgrade when you need tangible card access.
Shopping Benefits
SAVE
HDFC SmartBuy Portal
Access exclusive discounts and cashback offers across India's most popular platforms. The HDFC SmartBuy programme transforms your debit card into a savings powerhouse.
Amazon
Exclusive deals on electronics, fashion, and daily essentials
Flipkart
Special discounts during major sale events
Swiggy
Regular cashback on food delivery orders
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