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HDFC Bank

Research HDFC Bank across published cards, accounts, deposits, digital payments, everyday-banking controls and business-banking services, with dated first-party evidence and product-level review dates.

Explore banking researchOfficial site ↗
39Banking profiles
5Credit cards
7Verified relationships
0Reviews due
Research systems

Start with the banking system, then open the exact product.

Each system keeps its own evidence, review date and decision fields. Shared-bank context never substitutes for exact product terms.

01Credit cardsFees, rewards, lounge, forex and approval route5profiles02Debit cardsAccount linkage, charges, ATM/POS limits and access5profiles03Savings accountsBalance rule, charges, access and debit-card relationship7profiles04Salary accountsEmployer/salary conditions and what changes if salary stops2profiles05Current accountsAQB/MAB, cash handling and business transaction pricing4profiles06Premium bankingRelationship value, bundled privileges, card fee treatment and downgrade rules2profiles07Fixed depositsDated rates, tenure, customer category and liquidity5profiles08Recurring depositsMonthly instalment, contracted rate, tenure and missed-payment rules3profiles09Business bankingRoles, bulk payments, collections, merchant tools, cash management and integrations1profile10Merchant paymentsQR, POS, Soundbox, gateway acceptance, settlement, pricing and reconciliation1profile11International debit cardsInternational activation, overseas ATM/POS/e-commerce, forex/DCC, limits and support1profile
What this dossier does

Organizes published evidence, freshness, explicit product relationships and maintained comparisons for one institution.

What it does not do

It does not rank bank quality, predict approval, infer product bundling or claim complete coverage of the institution's live catalogue.

Exact banking research

39 published profiles with product-level evidence.

Search locally by product, fee, rate, balance, eligibility or benefit. Filtering never creates additional public URLs.

39 profilesPublished research only
Product system

Debit card

5 profiles
HDFC BankDebit card

HDFC Bank Imperia Platinum Debit Card

An HDFC premium debit card available to Imperia customers, combining high domestic transaction limits with lounge, insurance and programme-linked annual-fee waiver.

First-party checked3 bank sourcesReviewed September 9, 2026
Cost / feeCurrent HDFC Imperia programme, card product and eligibility pages state ₹850 + taxes annual fee, waived while enrolled in the Imperia programme; a dedicated fee subpage still shows ₹750, so the newer controlling programme/card material should be checked at issuance.
Best fitExisting Imperia customers who can use premium debit-card privileges and want their debit-card fee tied to the programme relationship.
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HDFC BankDebit card

HDFC Bank Kids Advantage Debit Card

The child-specific HDFC debit card linked to Kids Advantage banking, with deliberately low ATM and merchant limits and a published ₹150 annual-fee tier.

First-party checked2 bank sourcesReviewed September 9, 2026
Cost / fee₹150 issuance/annual fee and ₹150 renewal fee on the current HDFC Kids Debit Card page; current account material separately requires ₹5,000 AMB.
Best fitEligible HDFC Kids Advantage customers whose parent/guardian wants a named child card with controlled transaction limits.
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HDFC BankDebit card

HDFC Bank Millennia Debit Card

A mainstream HDFC debit card with tiered cashback, spend-conditioned quarterly domestic lounge access and higher purchase limits, also explicitly linked to selected HDFC savings and salary propositions.

First-party checked4 bank sourcesReviewed September 9, 2026
Cost / feeStandard annual fee ₹500 + applicable taxes on the reviewed HDFC card page; selected account programmes can separately include or waive the card fee.
Best fitHDFC savings or salary customers who can use the card's online/offline cashback structure and naturally meet the current lounge-spend condition.
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HDFC BankDebit card

HDFC Bank Platinum Debit Card

A premium everyday HDFC Bank debit card with high domestic transaction limits, cashback categories and spend-conditioned domestic airport lounge access.

First-party checked3 bank sourcesReviewed September 9, 2026
Cost / fee₹850 + applicable taxes annual fee; ₹200 + applicable taxes replacement fee; reviewed fee page states 3.5% cross-currency markup.
Best fitExisting eligible HDFC Bank account holders who want higher debit-card limits and can naturally satisfy the lounge-spend condition.
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HDFC BankDebit card

HDFC Bank Preferred Platinum Debit Card

A premium HDFC debit card reserved for Preferred customers, with high ATM/POS limits, spend-conditioned domestic lounge access, cashback categories and programme-based fee waiver.

First-party checked3 bank sourcesReviewed September 9, 2026
Cost / feeCurrent product page states ₹850 + taxes annual fee, waived while enrolled in HDFC Preferred Banking; a separate fee subpage still shows ₹750, so the current product/programme page should control.
Best fitHDFC Preferred customers who can use the card's higher limits and lounge/cashback benefits without maintaining the programme only to avoid the card fee.
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Product system

Savings account

7 profiles
HDFC BankSavings account

HDFC Bank Basic Savings Bank Deposit Account

A statutory zero-balance HDFC Bank BSBDA with basic branch/digital banking access, a free RuPay debit card and a four-withdrawal monthly basic-service framework.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleNo initial payment or average monthly balance is required under the reviewed eligibility page.
Best fitCustomers who need a no-minimum-balance HDFC savings relationship and can work within BSBDA withdrawal/account-ownership restrictions.
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HDFC BankSavings account

HDFC Bank BSBDA Small Savings Account

HDFC Bank's zero-balance BSBDA Small Account for resident individuals without complete KYC, with a lifetime RuPay debit card and statutory Small Account transaction caps.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleZero minimum balance; current HDFC terms cap a Small Account at ₹50,000 at any point until full KYC is completed.
Best fitResident individuals who do not have complete KYC and need a basic HDFC banking route while completing officially valid documentation.
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HDFC BankSavings account

HDFC Bank Kids Advantage Account

HDFC Bank's child savings account with a ₹5,000 AMB, guardian-permission debit card, controlled daily card limits and optional sweep-style MoneyMaximizer savings.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance rule₹5,000 Average Monthly Balance under current Kids Advantage Debit Card/account material; optional MoneyMaximizer can sweep excess above ₹25,000 once the account reaches ₹35,000.
Best fitHDFC Bank parents or guardians who want a structured child account with low card limits, digital viewing/access and automatic savings features.
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HDFC BankSavings account

HDFC Bank NRE Savings Account

HDFC Bank's rupee-denominated NRE savings account for overseas earnings, with freely repatriable funds, Indian tax-exempt interest under the current NRE treatment and an international debit-card proposition.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleRegular NRE/NRO: metro/urban AMB ₹10,000 or ₹1 lakh FD; semi-urban AMB ₹5,000 or ₹50,000 FD; rural AQB ₹2,500 or ₹25,000 FD under the reviewed fee schedule.
Best fitNRIs or eligible persons of Indian origin who want to remit foreign earnings to India while retaining broad repatriability and international debit-card access.
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HDFC BankSavings account

HDFC Bank NRO Savings Account

HDFC Bank's NRO savings account for Indian-source income, with domestic debit-card access and outward remittance under current-income or the applicable USD 1 million framework.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleRegular NRE/NRO: metro/urban AMB ₹10,000 or ₹1 lakh FD; semi-urban AMB ₹5,000 or ₹50,000 FD; rural AQB ₹2,500 or ₹25,000 FD under the reviewed fee schedule.
Best fitNRIs/PIOs who need to receive and manage rent, pension, dividends or other Indian income and do not need NRE-style unrestricted repatriability.
View research
HDFC BankSavings account

HDFC Bank Regular Savings Account

HDFC Bank's mainstream savings account with branch-location balance requirements, digital banking access, debit-card options and a Super Saver sweep facility.

First-party checked4 bank sourcesReviewed September 9, 2026
Balance ruleReviewed eligibility material lists ₹10,000 average monthly balance for urban branches, ₹5,000 for semi-urban branches and ₹2,500 average quarterly balance for rural branches, with qualifying FD alternatives.
Best fitResident customers who want a conventional HDFC Bank savings relationship and can maintain the applicable branch-location balance.
View research
HDFC BankSavings account

HDFC Bank Savings Max Account

A higher-relationship HDFC savings account that bundles a lifetime-free Platinum Debit Card for the primary holder, insurance features and lounge-linked debit-card benefits.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance rule₹25,000 AMB in metro/urban locations, or an eligible FD relationship of ₹1.50 lakh; reviewed eligibility material lists a ₹1 lakh FD alternative in semi-urban/rural locations.
Best fitHDFC customers comfortable with a ₹25,000 metro/urban balance requirement who can use the bundled Platinum Debit Card and account-level insurance benefits.
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Product system

Salary account

2 profiles
HDFC BankSalary account

HDFC Bank Classic Salary Account

A higher-tier HDFC Bank zero-balance salary account bundled with a Millennia Debit Card, lounge access and additional insurance and banking privileges.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleNo minimum balance while the qualifying salary relationship continues. The reviewed page states that after 3 months without salary credit, the account can be converted to a Savings Account with applicable requirements and charges.
Best fitEmployees in eligible HDFC Bank corporate salary programmes who want stronger debit-card and travel benefits than the regular salary tier.
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HDFC BankSalary account

HDFC Bank Regular Salary Account

A zero-balance HDFC Bank salary account for employees of participating corporates, bundled with a MoneyBack Debit Card and digital banking access.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleNo minimum balance or initial deposit under the reviewed salary-account proposition while qualifying salary credits continue.
Best fitEmployees earning at least the reviewed salary threshold whose employer has an HDFC Bank salary-account relationship.
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Product system

Current account

4 profiles
HDFC BankCurrent account

HDFC Bank Biz Elite+ Current Account

HDFC's high-balance Biz+ tier for larger businesses, combining ₹5 lakh/₹2.5 lakh AQB with very high cash-deposit allowances, unlimited bulk transactions and merchant-volume NMC waiver logic.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance / account costAQB: ₹5 lakh metro/urban and ₹2.5 lakh semi-urban/rural. NMC: ₹8,000 per quarter metro/urban and ₹4,000 semi-urban/rural; qualifying merchant credit volume of ₹15 lakh can waive NMC.
Best fitLarge businesses with high transaction volumes that can naturally maintain the balance or qualifying merchant volume and use the much larger free transaction envelope.
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HDFC BankCurrent account

HDFC Bank Biz Lite+ Current Account

An entry-level HDFC Biz+ current-account tier with lower balance commitments, merchant-volume waiver logic and ₹2 lakh-or-6×AMB free monthly cash-deposit positioning.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account costAQB: ₹25,000 metro/urban, with ₹10,000 for qualifying ME/PG/MPOS/QR setups; ₹10,000 semi-urban/rural under the reviewed conditions. NMC: ₹2,500 per quarter metro/urban and ₹1,500 semi-urban/rural.
Best fitSmall and entry-level businesses that want HDFC's current Biz+ ecosystem but do not need the higher balance and transaction allowances of Pro+, Ultra+ or Elite+.
View research
HDFC BankCurrent account

HDFC Bank Biz Pro+ Current Account

A growing-business HDFC Bank current account with location-based AQB, transaction-volume-based non-maintenance waivers, scaled cash-deposit allowances and bundled digital/business services.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account costAQB is ₹50,000 in metro/urban and ₹25,000 in semi-urban/rural locations; reviewed non-maintenance charges are ₹3,000 and ₹2,000 per quarter respectively unless a waiver condition is met.
Best fitGrowing small businesses that can maintain the required AQB or generate enough qualifying merchant/payment volume to earn the balance-commitment waiver.
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HDFC BankCurrent account

HDFC Bank Biz Ultra+ Current Account

A mid-to-upper HDFC Biz+ tier for expanding businesses, with ₹2 lakh/₹1 lakh AQB by location and substantially larger cash-deposit and transaction allowances than Biz Pro+.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance / account costAQB: ₹2 lakh metro/urban and ₹1 lakh semi-urban/rural. NMC: ₹5,000 per quarter metro/urban and ₹3,000 semi-urban/rural; merchant-volume waiver can apply from ₹7 lakh quarterly qualifying volume.
Best fitMedium-sized businesses with higher cash and payment volumes that can justify a six-figure balance commitment for materially larger free limits.
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Product system

Premium banking programme

2 profiles
HDFC BankPremium banking programme

HDFC Bank Imperia Banking Programme

HDFC Bank's higher premium relationship programme with substantially higher balance/TRV or salary thresholds and programme-linked service, debit-card and banking privileges.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleCurrent criteria include ₹10 lakh Savings AMB, ₹15 lakh Current AQB, ₹30 lakh retail liability value, ₹1 crore TRV, or ₹3 lakh+ monthly net salary credit in an HDFC corporate salary account.
Best fitHigh-value HDFC relationships that naturally meet Imperia thresholds and can use the dedicated service, premium debit-card and preferential banking privileges.
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HDFC BankPremium banking programme

HDFC Bank Preferred Banking Programme

HDFC Bank's premium relationship programme for customers meeting savings, current-account, liability-value, total-relationship-value or salary criteria, with dedicated service and programme-linked card/fee privileges.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleCurrent HDFC criteria include ₹4 lakh Savings AMB, ₹6 lakh Current AQB, ₹20 lakh combined retail liability value, ₹50 lakh TRV, or ₹2 lakh+ monthly net salary credit in an HDFC corporate salary account.
Best fitCustomers who already maintain a substantial HDFC Bank relationship and can keep the programme threshold without parking extra money solely for status.
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Product system

Fixed deposit

5 profiles
HDFC BankFixed deposit

HDFC Bank FCNR(B) Deposit

HDFC Bank's FCNR(B) term deposit keeps eligible NRI funds in one of seven foreign currencies, with fully repatriable principal/interest and a currency-specific dated rate table.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceRates are currency- and tenure-specific. The reviewed schedule effective 1 September 2026 ranges, for example, from 3.80% USD and 3.75% GBP at 1 year to under 2 years, with different rates for EUR, JPY, AUD, CAD and SGD.
Best fitNRIs who want a bank term deposit without converting the principal into INR and whose home/earning currency matches one of HDFC’s supported FCNR currencies.
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HDFC BankFixed deposit

HDFC Bank Five-Year Tax Saving Fixed Deposit

HDFC Bank’s resident five-year tax-saving FD with a fixed statutory lock-in, ₹5,000 minimum, ₹1.5 lakh financial-year cap and monthly, quarterly or reinvestment-style interest choices under current terms.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceThe product uses HDFC Bank’s prevailing five-year deposit rate. The current sub-₹3 crore schedule applicable from 19 August 2026 places the exact five-year bucket at 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.
Best fitEligible resident individuals or HUFs using a deduction-eligible tax regime who want a large-bank five-year locked deposit and can accept taxable interest plus no normal liquidity during the lock-in.
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HDFC BankFixed deposit

HDFC Bank Fixed Deposit

HDFC Bank's retail fixed-deposit range below ₹3 crore, with a first-party Domestic/NRO/NRE rate table applicable from 19 August 2026, tenure-based resident senior-citizen premiums and payout/reinvestment choices.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceFor retail deposits below ₹3 crore, the reviewed table applicable from 19 August 2026 ranges from 2.75% to 6.50% p.a. for general customers and from 3.25% to 7.10% p.a. for eligible resident senior citizens.
Best fitSavers who want a large-bank fixed deposit with tenures from days to years and are willing to choose the tenure based on the current dated rate table rather than an evergreen headline rate.
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HDFC BankFixed deposit

HDFC Bank NRE Fixed Deposit

HDFC Bank's rupee NRE term deposit for eligible overseas funds, with a 1-to-10-year tenure, full repatriability and Indian tax-exempt interest under current NRE treatment.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceFor deposits below ₹3 crore, the reviewed Domestic/NRO/NRE schedule effective 19 August 2026 pays 6.25% at 1 year, 6.45% around the 18-month-to-3-year bands and 6.50% in the 3-year-1-day to under-4-year-7-month band. Senior-citizen additions do not apply to NRIs.
Best fitNRIs/PIOs who want to convert eligible overseas funds into an INR term deposit while preserving full repatriability and NRE tax treatment.
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HDFC BankFixed deposit

HDFC Bank NRO Fixed Deposit

HDFC Bank's NRO rupee fixed deposit for Indian-source NRI funds, with tenures from 7 days to 10 years, taxable interest and NRO repatriation rules.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceThe same reviewed below-₹3-crore Domestic/NRO/NRE schedule effective 19 August 2026 applies to ordinary callable NRO deposits; senior-citizen additions do not apply to NRIs.
Best fitNRIs/PIOs who need to term-deposit Indian-source rupee balances and can work within NRO tax and outward-remittance rules.
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Product system

Recurring deposit

3 profiles
HDFC BankRecurring deposit

HDFC Bank NRE Recurring Deposit

HDFC Bank’s NRE recurring deposit combines fixed monthly instalments with NRE tax/repatriation treatment and rates stated to be at par with NRE fixed deposits.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceThe reviewed NRE RD uses rates at par with HDFC NRE Fixed Deposits; current comparable anchors therefore follow the bank’s NRE FD schedule rather than a separate promotional maximum.
Best fitNRIs who want systematic monthly saving from eligible NRE funds and can keep the deposit for at least one year.
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HDFC BankRecurring deposit

HDFC Bank NRO Recurring Deposit

HDFC Bank’s NRO recurring deposit is a systematic rupee deposit for NRI funds, with shorter starting tenures than NRE RD and interest taxable under NRO treatment.

First-party checked3 bank sourcesReviewed September 10, 2026
Current rate evidenceHDFC states NRO RD rates are at par with NRO Fixed Deposits; the engine uses the current NRO FD schedule only for stored comparable anchors.
Best fitNRIs who want to save Indian-source or other permitted NRO rupee funds monthly and need a tenure starting below one year.
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HDFC BankRecurring deposit

HDFC Bank Recurring Deposit

A monthly savings deposit with tenure-specific rates, quarterly compounding and first-party per-tenure effective dates rather than one evergreen headline rate.

First-party checked3 bank sourcesReviewed September 9, 2026
Current rate evidenceThe current HDFC RD table uses tenure-specific effective dates. Reviewed anchors include 4.25% at 6 months, 6.25% at 12 months, 6.45% at 18–36 months and 6.50% at 39–54 months; eligible senior rates are higher.
Best fitHDFC customers who want disciplined monthly saving and can choose a tenure using the bank's dated RD rate table rather than a generic advertised maximum.
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Product system

ATM & cash service

1 profile
HDFC BankATM & cash service

HDFC Bank ATM & Cash Services

HDFC Bank's ATM/CRM/CDM service profile, keeping account-variant free allowances, other-bank ATM pricing, UPI cash-withdrawal counting, cash-deposit-machine limits and branch/CRM cash thresholds separate.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleRequires an HDFC Bank account/debit-card relationship for HDFC-card ATM use. The ATM/cash service does not waive the AMB/AQB or account-specific cash-handling rules of the linked product.
Best fitHDFC customers who need to distinguish the ATM limit on their card/account from monthly free-transaction allowances and from branch/CRM cash-deposit thresholds.
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Product system

Bank fee profile

1 profile
HDFC BankBank fee profile

HDFC Bank Banking Fees & Charges

A current HDFC Bank fee index connecting Regular Savings, premium-programme waivers, debit-card charges, cash usage and transfer channels while preserving product-level and effective-date scope.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleFor Regular Savings, the reviewed current structure is ₹10,000 AMB metro/urban, ₹5,000 AMB semi-urban and ₹2,500 AQB rural (with qualifying FD alternatives). Premium/salary/basic products can have different or waived balance-fee treatment.
Best fitHDFC customers comparing a mainstream Savings relationship with Preferred/Imperia or other account tiers and wanting the actual fee thresholds behind 'free banking' claims.
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Product system

Bill payment service

1 profile
HDFC BankBill payment service

HDFC Bank BillPay & SmartPay

HDFC Bank's BillPay and SmartPay stack for one-time, scheduled and automatic bill payment through NetBanking/MobileBanking, with account/debit-card/credit-card funding, customer-set SmartPay caps and category-specific security controls.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance rulePayments draw from the selected HDFC Bank account, debit card or credit card and remain subject to available balance/credit and the funding instrument's own limits.
Best fitHDFC customers who want one-time and recurring bills in the same bank interface and value customer-set AutoPay limits plus explicit recharge/security controls.
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Product system

Business banking service

1 profile
HDFC BankBusiness banking service

HDFC Bank Business Banking — ENet & CBX

HDFC Bank's corporate digital-banking stack combining ENet/CBX with cash-management and collection capabilities for account visibility, payments, approvals, reporting and high-volume corporate workflows.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible HDFC Bank corporate/business relationship and activation of the relevant ENet/CBX/CMS services; account balance requirements belong to the underlying current-account or corporate arrangement.
Best fitBusinesses that need configurable corporate Internet Banking, bulk payments, multi-authorisation, cash-flow visibility and integration with accounting or enterprise systems.
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Product system

Digital banking service

1 profile
HDFC BankDigital banking service

HDFC Bank Digital Banking — App & NetBanking

HDFC Bank's combined retail digital-banking profile covering the HDFC Bank App and NetBanking, including mandatory mobile SIM binding, configurable transfer limits, payee cooling and card/service controls.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible HDFC Bank relationship and registered contact credentials; digital access does not alter the underlying account's AMB/AQB or card charges.
Best fitHDFC Bank customers who want deep account/card controls across both app and browser and can work within device-registration and payee-security cooling rules.
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Product system

International banking service

1 profile
HDFC BankInternational banking service

HDFC Bank International Debit Card & Overseas ATM Banking

HDFC Bank international debit-card profile covering default-off international controls, current combined domestic/international variant limits, overseas ATM charges, 3.5% general forex markup, the Infiniti exception and a separately identified DCC fee.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible HDFC Bank account and an international-capable debit card; domestic-only variants such as the reviewed PMJDY and NRO debit-card entries must not be treated as overseas-capable simply because another HDFC card supports international use.
Best fitHDFC Bank debit-card users who want exact international enablement controls and need to distinguish foreign-currency markup, DCC, overseas ATM fees and debit-card-variant limits before using the card abroad.
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Product system

Merchant payment service

1 profile
HDFC BankMerchant payment service

HDFC Bank Merchant Payments — SmartHub Vyapar

HDFC Bank's SmartHub Vyapar merchant stack for digital onboarding, QR/UPI, cards, POS, Soundbox, SMS payment links, transaction alerts, staff access and multi-outlet reconciliation, with UPI settlement and commercial terms kept separate from card/device pricing.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleCurrent SmartHub Vyapar eligibility is tied to successful merchant onboarding for an existing eligible HDFC Bank Current or Savings Account holder; the merchant service remains distinct from merely holding the account.
Best fitHDFC Bank account holders that want one merchant app/web view for in-store and remote acceptance, instant UPI settlement options, staff logins and cross-outlet reporting.
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Product system

Forex & prepaid travel card

1 profile
HDFC BankForex & prepaid travel card

HDFC Bank Multicurrency ForexPlus Card

HDFC Bank's Visa Multicurrency ForexPlus prepaid travel card supporting up to 22 currency wallets, branch/online reload routes, card-management controls and currency-specific ATM fees while keeping same-wallet spending separate from cross-currency conversion.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance rulePrepaid balances held across up to 22 foreign-currency wallets. Load/reload/refund conversion uses HDFC's applicable card/forex rate and taxes; the card is not a savings-account balance.
Best fitMulti-country travellers who want one prepaid card with a broad 22-currency wallet set and granular card/reload management rather than repeatedly converting through an ordinary debit or credit card.
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Product system

Bank transaction-limit profile

1 profile
HDFC BankBank transaction-limit profile

HDFC Bank Transaction Limits

A normalized HDFC Bank limit profile covering TPT, beneficiary security stages, RTGS/IMPS, UPI, Platinum Debit Card and Cash Deposit Machine ceilings.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleLimits apply only to the exact eligible account, card, customer segment and digital channel named by the source; a bank relationship does not make every listed ceiling available.
Best fitHDFC customers comparing mobile/NetBanking, UPI, card and cash-deposit limits with the correct security state attached.
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Product system

Bank transfer service

1 profile
HDFC BankBank transfer service

HDFC Bank Transfers — NEFT, RTGS & IMPS

HDFC Bank's retail NEFT/RTGS/IMPS profile separating the customer TPT ceiling, night/holiday NEFT restriction, IMPS transaction cap and stricter RTGS new-beneficiary rule.

First-party checked7 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible HDFC Bank account and Third Party Transfer rights; the underlying account and customer-set TPT limit remain controlling.
Best fitHDFC customers who use NetBanking/MobileBanking and need to understand why a ₹50 lakh TPT ceiling does not mean the same amount, timing or beneficiary state for NEFT, RTGS and IMPS.
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Product system

UPI payment service

1 profile
HDFC BankUPI payment service

HDFC Bank UPI — HDFC Bank App

HDFC Bank’s UPI implementation with explicit new-user/device/SIM cooling, app-level send-money limits, separate higher-value use cases and a bank-specific RuPay-credit-card-on-UPI linking limit.

First-party checked9 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible HDFC Bank account for account-funded UPI. Non-individual current accounts are not permitted for UPI through the HDFC Bank App under the reviewed FAQ. RuPay credit-card UPI is funded from the separately linked eligible HDFC credit card.
Best fitHDFC Bank customers who use the HDFC Bank App for UPI and want the difference between ordinary send-money limits, new-device restrictions, incoming-P2P controls and RuPay credit-card merchant payments made explicit.
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Credit-card system

5 published card profiles linked to this institution.

Card research remains issuer-specific. This institution page provides direct entry points without flattening fees, rewards, lounge access or forex treatment.

0No-standard-fee
3Premium
3Travel / airline
3Low-forex tagged
Credit-card research

HDFC Bank Diners Club Black Metal Edition

₹10,000 + applicable taxes

Reviewed September 11, 2026
Credit-card research

HDFC Bank Regalia Gold Credit Card

₹2,500 + applicable taxes

Reviewed September 11, 2026
Credit-card research

Swiggy HDFC Bank Credit Card

₹500 + applicable taxes; renewal fee is waived at ₹2 lakh annual spends.

Reviewed September 11, 2026
Credit-card research

HDFC Bank Infinia Metal Edition Credit Card

₹12,500 + applicable taxes for the current Infinia Metal Edition structure.

Reviewed September 11, 2026
Credit-card research

HDFC Bank Credit Card Against Fixed Deposit

See the current HDFC Bank FD-backed card offer / issued-card terms

Reviewed September 9, 2026
Rewards Credit Cards4Travel Credit Cards3Airport Lounge Credit Cards3Low Forex Markup Credit Cards3Super-Premium Credit Cards2Premium Credit Cards1
Open the full HDFC Bank issuer dossier →
Verified relationship graph

Only institution-documented product relationships appear here.

Same-bank placement never creates an inferred relationship. Every edge keeps its own wording, review date and first-party evidence.

Explore the full verified relationship graph →
Maintained product comparisons

Side-by-side research only where a substantive pair is maintained.

Costs, relationship requirements, benefits, limits, eligibility and source state remain separate for each product.

Browse the complete banking comparison library →
Research activity

Recent review and material-change chronology.

Recent activity describes maintenance work. It is not a product-quality signal.

Institution-level research

Compare banking ecosystems without manufacturing a universal winner.

Bank-vs-bank routes summarize existing research and link back to exact product-level evidence.

HDFC BankvsState Bank of IndiaCompare →HDFC BankvsICICI BankCompare →HDFC BankvsAxis BankCompare →HDFC BankvsKotak Mahindra BankCompare →HDFC BankvsIDFC FIRST BankCompare →
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Official evidence & accountability

Research here. Transact from the institution's current live terms.

Each published product keeps its own review date and first-party sources. Institution-level evidence never replaces product-level terms.

Official institution

HDFC Bank

www.hdfc.bank.in

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Institution source reviewed

September 9, 2026

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Research standards

Methodology

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Research accountability

Corrections

Report evidence-backed errors through the public correction route.

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