Compare HDFC Bank Biz Ultra+ Current Account and ICICI Bank Select Banking for Business using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Medium-sized businesses with higher cash and payment volumes that can justify a six-figure balance commitment for materially larger free limits.
Established businesses that can meet relationship-value, deposit/balance or trade-volume thresholds and want integrated trade and digital-business banking rather than only a basic transaction account.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/hdfc-biz-ultra-plus-current-account-vs-icici-select-banking-for-business/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
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Source review: September 9, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
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| Decision factor | HDFC Bank Biz Ultra+ Current Account | ICICI Bank Select Banking for Business |
|---|---|---|
| Balance / account cost | AQB: ₹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. | Programme eligibility can be met through ₹25 lakh relationship value, ₹2 lakh deposits plus account balance, or $25,000 monthly trade transactions; reviewed terms state a ₹50,000 QAB/non-maintenance reference when programme maintenance criteria are not met. |
| Required balance | ₹2 lakh AQB in metro/urban branches or ₹1 lakh in semi-urban/rural branches under the reviewed current schedule. | Qualification can be based on relationship value rather than one fixed balance; the current programme publishes multiple entry/maintenance routes. |
| Business banking benefits | Free business debit card, NEFT/RTGS, business insurance, payment protection, merchant rental-waiver conditions and larger cheque/DD/transaction allowances. | InstaBIZ and Trade Online, unified linked-account view, import/export tools, merchant solutions and higher-limit business debit-card access. |
| Cash / transaction allowances | Free combined cash deposit up to ₹25 lakh per month or 12× current-month AMB, whichever is higher, subject to the ₹50 crore upper cap and maintained-balance conditions. | Trade, merchant and transaction limits depend on the linked current-account/product schedule; the programme is not equivalent to an unlimited transaction account. |
| Eligible business entities | Resident individuals, HUFs, sole proprietors, partnerships, LLPs and private/public limited companies subject to HDFC Bank documentation and approval. | Eligible ICICI Bank business customers who satisfy at least one published programme criterion and current-account KYC requirements. |
| Ongoing account condition | The Ultra+ tier sits above Pro+ and below Elite+; its economics depend on whether the larger cash/transaction allowances are actually needed. | Programme status depends on maintaining qualifying relationship/deposit/trade criteria, so the value can change if the business relationship falls below the required level. |
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Reviewed September 9, 2026 · 3 attached first-party sources
Reviewed September 9, 2026 · 3 attached first-party sources