PRODUCTS & SERVICES

1.SAVINGS ACCOUNT

a)REGULAR SAVINGS ACCOUNT

An easy-to-operate savings account that allows you to issue cheques, draw Demand Drafts and withdraw cash. Check up on your balances from the comfort of your home or office through NetBanking, PhoneBanking and MobileBanking. Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located. Bank conveniently with facilities like NetBanking and MobileBanking- check your account balance, pay utility bills or stop cheque payment, through SMS. Never overspend- Shop using your International Debit Card that reflects the actual balance in your savings account. Personalised cheques with your name printed on each cheque leaf for enhanced security. Take advantage of BillPay, an instant solution to all your frequent utility bill payments. Instruct for payment over the phone or through the Internet. Avail of facilities like Safe Deposit Locker, Sweep-In and Super Saver facility on your account. Free cash withdrawals on any other Bank's ATM* Free Payable-at-Par chequebook, without any usage charges. Free InstaAlerts for all account holders for lifetime of the account. Free Passbook facility available at home branch for account holders (individuals). Free Email Statement facility.

b)SAVINGS PLUS ACCOUNT

Wide network of branches and over thousand ATMs to meet all your banking needs no matter where you are located. Free cash withdrawals on any other Bank's ATM*. Free International Debit Card for all account holders for life time of the account. Free Payable-at-Par chequebook, without any usage charges. Free Demand Drafts on HDFC Bank locations, upto a limit of 25,000/- per day. Free BillPay & InstaAlerts for all account holders for lifetime of the account Free Electronic Funds Transfer facility, NetBanking, PhoneBanking & MobileBanking Special relationship discount on purchase of Gold Bars 25%-off on the Locker rental for the 1st year (only). Intercity Banking / Multi-city Banking. Free Passbook facility available at home branch for account holders (individuals).

Free Email Statement facility.

c)SAVINGS MAX ACCOUNT

By maintaining an average quarterly balance of just Rs. 25,000/- you get a host of premium services from HDFC Bank absolutely free*.

Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFC Bank ATMs & at all non HDFC Bank domestic ATMs using your HDFC Bank Debit Card Free Titanium Royale Debit Card for primary account holder for lifetime of the account. Titanium Royale Debit Card for other account holders at Rs 250/- p.a. Free international debit card for all account holders for lifetime of the account. Free Payable-at-Par chequebook, without any usage charges. Free Demand Drafts on HDFC Bank locations, upto a limit of Rs. 1 lac per day. Self/Third Party Cash Deposit/Withdrawal at non-home branches, upto Rs 50,000/- per day free. Above Rs 50,000 a charge of Rs 2.90 per thousand on the full amount would be applicable. Optional money maximiser" (sweep- out) facility for conversion of your surplus money into high earning fixed deposits, at the threshold of Rs.1,25,000/- . In the event of the balance in SavingsMax account exceeding / reaching Rs.1,25,000/-, the amount in excess of Rs.1,00,000/- will be swept out in to a Fixed Deposit with a minimum value of Rs.25,000/- for a 1year 1day period * Free billpay & insta alerts for all account holders for lifetime of the account. Free Monthly Statement of Account. 50% off on the Locker rental for the 1st year only. Folio maintenance charges on Demat account free for first year. Free net banking, phone banking& mobile banking Free Passbook facility available at home branch for account holders (individuals). Free email statement facility .

d)SENIOR CITIZENS ACCOUNT

Shop with pride with your EasyShop International Debit Card offered free for life to the first applicant. Shop (Point Of Sale limit) upto Rs.25,000/- per day. Enjoy cash withdrawal limit of Rs.25,000/- per day on the Debit Card for withdrawals at any HDFC Bank ATM. Note: If the first applicant is a woman and new to the bank, our special Woman's Advantage Debit Card with ATM cash withdrawal limit Rs.25,000/- per day and shopping (Point Of Sale) limit of

Rs.40,000/- per day will be issued free by default. Free cash withdrawals on any other Bank's ATM* Payable-at-Par (PAP) chequebooks are issued free. With this facility, outstation cheques issued by you (for clearing) will be treated as local cheques, at any HDFC Bank location. What's more, there are no usage charges for availing the PAP facility. Keep a close eye on your account with the monthly account statements offered free OR Avail of free Passbook facility at your account branch. Use the third party cash transaction facility at non-account branches, to have your near and dear ones deposit / withdraw cash upto Rs.50,000/- per day on your behalf for free. Above Rs 50,000 a charge of Rs 2.90/- per 1000 on the full amount would be applicable. Use our PhoneBanking, MobileBanking and NetBanking facilities offered free to reach us with ease. Avail free SMS alerts to know the transactions in your account. Free Email Statement facility National Electronic Funds Transfer facility available.

e)INSTITUTIONAL SAVINGS ACCOUNT

Zero balance account Payable at Par chequebook facility Free: You can now use your PAP chequebook at any of HDFC Bank locations (through Clearing only) without any charge. Avail of Free Outstation Cheque Collection at HDFC Bank locations across the country. Enjoy unlimited DDs on HDFC Bank locations Free. Carry out cash transactions at any HDFC Bank branch. Third party cash transactions up to Rs.50,000/ - per day Free. Get monthly account statements Free. Avail special discounts on Foreign exchange transactions. Bank from home using our 24-hour NetBanking & PhoneBanking service. Collect fees, donations online using our Payment Gateway facility.

f)KIDS ADVANTAGE ACCOUNT

Free Education Insurance cover of Rs. 1,00,000/- in the event of death of the parent / guardian through vehicular accident by road, rail or air to safeguard the future of your child.

ATM/International Debit Card will be issued for children between 7-18 years of age in the child's name with your permission. The amount your child is able to withdraw is Rs. 2,500/- at ATMs and spend Rs. 2,500/- at merchant locations per day. Free cash withdrawals on any other Bank's ATM* 1 free Personalised cheque book for your child. Monitor the transactions of your child's account with the free quarterly physical statement of account or free monthly Email Statement of account. Free NetBanking for you to monitor your child's account. Free SMS/Email alerts informing you about the account transactions.

g)PENSION SAVINGS ACCOUNT

The Pension Saving account is a Zero Balance Account. Timely credit of receivables Free International Debit Card. Enjoy facilities such as NetBanking, PhoneBanking, BillPay, ATM facility, inter-city and interbranch banking. Pension Accounts are transferable from one branch/bank to another as per the process laid down by the pension authorities

h)FAMILY SAVINGS GROUP

Free EasyShop International Debit Card for all account holders for lifetime of the group Gold Debit Card at Rs.250 for all applicants for lifetime of the group Free Bill payment and SMS alerts Free cash withdrawal transactions on any bank ATMs Savings account to savings account sweep-in to a nominated account* (sweep-in from NRO ac not allowed) Free DD/MCs on HDFC Bank locations upto Rs.50,000 per account per month (Request at branch) PAP chequebook Free of issuance charge Free monthly account statements

2.CURRENT ACCOUNT

a)PLUS CURRENT ACCOUNT

Free up to 50 Demand Drafts per month and can be issued from any HDFC Bank Branch Free up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch

Free anywhere cheque collection (clearing) within HDFC Bank branch network (except Dahej), up to Rs.75 lacs per month Free Outstation Cheque Collection through Speed Clearing (for instruments with value upto Rs. 1 lac). Convenience to withdraw & deposit cash at all our branches* 300 "At Par" cheque leaves free per month. Free at par cheque payments across all HDFC Bank locations for unlimited value* Free Cash Deposit upto Rs.10 lacs per month* across all HDFC Bank Branches in your city. What's more, Cash Deposit at HDFC Bank branches in other cities is also free upto Rs.2 lacs per month* Register for InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM! HDFC Bank offers Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, customers can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a reputed agency. Enjoy facilities like 24-hour Phone Banking, Net Banking and InstaQuery that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

b)TRADE CURRENT ACCOUNT

Free Account to account funds transfer between HDFC Bank accounts. Free RTGS/NEFT Transactions. Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFC Bank Branch. Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere cheque collection within HDFC Bank branch network (except Dahej), up to Rs.35 lacs per month. Free Outstation Cheque Collection through Speed Clearing (for instruments with value upto Rs. 1 lac). Convenience to withdraw & deposit cash at all our branches* 200 "At Par" cheque leaves per free month . Free at par cheque payments across all HDFC Bank locations for unlimited value* Free Cash Deposit upto Rs.5 lacs per month* across all HDFC Bank Branches in your city. Register for InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM! HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hasslefree. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a reputed agency. Enjoy facilities like 24-hour PhoneBanking, NetBanking and InstaQuery that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

c)PREMIUM CURRENT ACCOUNT

Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.15 lacs per month, incremental amount to be charged @ Rs.1.50 per Rs.1,000/-, min Rs.25/Free NEFT Transactions. Free RTGS collection. RTGS payment @ Rs.25/- per transaction. Free Inter-city Account to accounts funds transfer between HDFC Bank accounts. Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . 100 "At Par" cheque leaves free per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM! HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hasslefree. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a reputed agency. Enjoy facilities like 24-hour PhoneBanking, net banking and mobile banking to access your account.

d)REGULAR CURRENT ACCOUNT

Convenient inter-city banking : Free anywhere cheque payment Free payments and collections through NEFT Free RTGS collection. RTGS payment @ Rs.25/- per transaction Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactions Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- . Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- . Payable at par cheque book at nominal price. Register for InstaAlert service and receive updates on your account as and when the select transaction happens - all this without visiting the branch or ATM! HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hasslefree. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a reputed agency. Enjoy facilities like 24-hour PhoneBanking, NetBanking and mobile banking that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment.

e)FLEXI CURRENT ACCOUNT

Free RTGS/NEFT Transactions.

Free 40 Demand Drafts & Free 40 Pay Orders issued from any HDFC Bank Branch* Convenience to withdraw and deposit cash at all our branches*. Competitive pricing on Demand Drafts drawn on Correspondent Banking Locations as well as Outstation Cheque Collection at HDFC Bank Locations InstaAlert service - receive updates on your account as and when the select transaction happens all this without visiting the Branch or ATM! Enjoy facilities like 24-hour PhoneBanking, NetBanking and InstaQuery that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment. HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hasslefree. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a reputed agency.

f)APEX CURRENT ACCOUNT

Maximum transactional benefits with faster mobilisation of funds Average quarterly balance requirement of Rs. 10,00,000/Access to more than 2000 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques through Speed Clearing. What's more Speed Clearing is absolutely free with Apex Current Account. Free Intercity Cheque Collection & Payments within HDFC Bank Network (excluding Dahej). Free Account to Account funds transfer between HDFC Bank accounts. Free payment and collection through RTGS Free payment and collection using NEFT Free Demand Drafts which can be issued from any HDFC Bank branch

g)MAX CURRENT ACCOUNT Maximum transactional benefits with faster mobilisation of funds Average quarterly balance requirement of Rs. 5,00,000/Access to more than 2000 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques Free Account to Account funds transfer between HDFC Bank accounts Free payment and collection through RTGS Free payment and collection using NEFT Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Free anywhere cheque collection (through clearing) upto Rs. 3.5 Crore per month within HDFC Bank branch network (except Dahej) Faster collection of outstation cheques through Speed Clearing. What's more Speed Clearing is absolutely free with MAX Current Account 500 "At Par" cheque leaves per free month . Free at par cheque payments across all HDFC Bank locations for unlimited value*

Convenience to withdraw and deposit cash at all our branches* Free cash deposit upto Rs. 50 Lakh per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch). What's more, Cash Deposit at HDFC Bank branches in other cities is also free upto Rs.3 lacs per month*

3.FIXED DEPOSIT
a)REGULAR FIXED DEPOSIT
Potential to earn compound interest by reinvesting the principal amount along with the interest earned during the period. Flexibility in altering period of deposit of renewal deposit, maturity and payment instructions, principal amount and rollover mode before maturity of the rollover deposit. Higher rate of interest on Fixed Deposits for Senior Citizens.

b) 5 YEAR TAX SAVING FIXED DEPOSIT

Minimum Amount: Rs.100/Multiples of Rs.100/Maximum Amount: Rs. 1 lac (in a FY) Tenure - 5 years (lock in period). Rate of Interest -8.25% p.a, Senior Citizen rate - 8.75% Monthly or Quarterly interest pay-out option is available. No Partial/Premature withdrawal allowed. Sweep-in not allowed. No OD or pledge allowed. In the case of joint holder deposit, the deduction from income under section 80C of the Act shall be available only to the first holder of the deposit.

c)SUPER SAVER FACILITY

It's like two Accounts working in tandem to give you better returns. Choose between a Savings Account or Current Account to link to your Fixed Deposit. Avail an overdraft facility to supplement your household or business needs. Pay back with interest only on the drawn amount, while the remaining Fixed Deposit continues to earn you interest. Flexibility in altering period of deposit, maturity and payment instructions, principal amount and rollover mode before maturity of the rollover deposit. Senior citizens enjoy a higher rate of interest on their Fixed Deposits.

d)SWEEP IN FACILITY
Choose between a Savings Account or Current Account to link to your Fixed Deposit.

Earn higher interest on the money till it is swept-in, while the remaining Fixed Deposit continues to earn you interest. Only an exact amount required to make up for the deficit in the Savings account is withdrawn from your Fixed Deposit (units of Re. 1/-) thereby minimising interest loss. Only the principal amount of the fixed deposit will be considered for the sweep-in facility Multiple deposits can be linked to the Savings account. Flexibility in altering the period of deposit, maturity and payment instructions, principal amount and rollover mode. You can avail of both, a SuperSaver Facility as well as a Sweep-In Facility if you have linked your deposits to a Savings Facility. Senior citizens enjoy a higher rate of interest on their Fixed Deposits.

4.RECURRING DEPOSIT
An Investment as small as Rs.500 (and in multiples of Rs.100 thereafter) or as large as Rs.1 lakh per month A minimum tenure of 6 months (and in multiples of 3 months thereafter) up to a maximum tenure of 10 years. For a much smaller investment per month, get interest rates equal to that of regular Fixed Deposits. TDS is not applicable on the Interest earned by Recurring Deposits as per current income tax rules. Grace Days Facility is 5 days. If the installment is paid within 5 days of the installment due date, the customer will not be charged any penalty.

5.DEMAT ACCOUNT
As opposed to the earlier form of dealing in physical certificates with delays in transaction, holding and trading in Demat form has the following benefits : Settlement of Securities traded on the exchanges as well as off market transactions. Shorter settlements thereby enhancing liquidity. Pledging of Securities. Electronic credit in public issue. Auto Credit of Rights / Bonus / Public Issues / Dividend credit through ECS. Auto Credit of Public Issue refunds to the bank account. No stamp duty on transfer of securities held in demat form. No concept of Market Lots. Change of address, Signature, Dividend Mandate, registration of power of attorney, transmission etc. can be effected across companies held in demat form by a single instruction to the Depository Participant (DP). Holding / Transaction details through Internet / email.

6.SAFE DEPOSIT LOCKERS

This facility is not offered through all Bank branches and wherever the facility is offered, allotment of Safe Deposit vault will be subject to availability and compliance with other terms and conditions attached to the service. Safe Deposit Lockers may be hired by an individual (being not a minor) singly or jointly with another individual(s), HUFs, firms, limited companies, associates, societies, trusts, etc. Nomination facility is available to individual(s) holding the lockers singly or jointly. In respect of lockers held in joint names, up to two nominees can be appointed. Joint locker holders can give mandate for access to the lockers in the event of death of one of the holders on the lines similar to those for deposit accounts. In the absence of nomination or mandate for disposal of contents of lockers, with a view to avoid hardship to common persons, the Bank will release the contents of locker to the legal heirs against indemnity on the lines as applicable to deposit accounts.

7.IMPERIA PREMIUM BANKING

Personalized Attention
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Imperia Client Relationship Manager / Private Banking Advisor Your prosperity and peace of mind are important to your Imperia Client Relationship Manager or Private Banking Advisor. They will effectively take care of your financial needs whether it is expert investment advice, or having a demand draft issued.

Investment Advisory Services

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Wealth Services As a Wealth Services customer, your dedicated Imperia Client Relationship Manager will provide you in-house research backed personalised investment advice, in line with your risk profile and investment objectives. This service will keep you abreast of market movements, new fund offerings, fund performance and much more. With HDFC Bank Wealth Services, you will find banking a more pleasurable and rewarding experience. Private Banking Services * This programme takes you to the realm of customized and comprehensive investments advice across diverse asset categories, helping you make the choice that's just right for you. A Private Banking Advisor is assigned to you as a one point contact, guiding you and attending to all your investment related needs such as Direct Equity advisory, Derivatives of equities, Portfolio management services and so on.

* Terms & Conditions Apply.

Exclusive privileges At HDFC bank we understand your preference for finer things in life. Which is why we would like to engage you in more than just banking with us. Enjoy the host of privileges, designed exclusively for you.
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Exclusive Imperia PhoneBanking Service The Imperia Phone Banking service gives you the freedom to do almost anything over the phone - balance enquiry, loan-related queries, bill payment and lots more. HDFC Bank Premium Credit Card As an Imperia customer, we are proud to offer you a lifetime free Premium Credit Card *, which offers you exclusive and preferential benefits, just one more way in which we thank you! Some of the exclusive benefits of our Premium HDFC Bank Credit Card include accelerated reward points which can be redeemed, multiple payment channels, fuel surcharge waiver and lots more. * Terms & Conditions Apply.

HDFC Bank Imperia Platinum Chip Debit Card You can almost carry your entire kingdom with you wherever you go, thanks to the HDFC Bank Imperia Platinum Chip Debit Card. It offers you wide range of benefits like enhanced security, enhanced limits, cash back and much more.

Financial Services Your affairs of state as well as your personal comfort are important to us. All your banking related needs are taken care of, quietly and efficiently through a wide range of financial services like:
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Loans at Preferential Rates Customised Business Solutions Hassle - free Foreign Remittances Gold Bars at Preferential Rates

Banking Convenience The Imperia programme is designed to make banking a pleasure for you. And so we like to pay attention to every tiny detail to make banking a pleasure for you via benefits like:

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HDFC Bank Combined Monthly Statements which provide you with a single view of your savings,current and fixed deposit accounts. This facility is also made available to Imperia customers through e-mail. Payable At Par Imperia Cheque Book Free Self/ third party cash deposit at non home branches Sweep-In Facility on your savings accounts Waiver on a host of service charges Free NEFT and RTGS transactions through NetBanking

8.PREFERRED BANKING
Dedicated Relationship Manager Your personal Relationship Manager is just a phone call away. These experienced and professionally trained individuals will cater to all your banking and financial services needs. So, whether it is expert advice that you seek on mutual funds or the urgency of having a demand draft issued, just ask and trust your Relationship Manager to get the job done promptly and efficiently.

Customised Investment Solutions Comprehensive Investment solutions ranging from tax efficient investment avenues, buying and selling shares to convenient tax payment options - get it all under one roof. You can also benefit from extensive research across Equities, Derivatives, Debt and Mutual Funds, in addition to the expertise of a dedicated Advisor to take care of your financial needs. Keeping your risk profile in mind, we will customise an investment strategy for you, restructure your portfolio and allocate your assets optimally in order to realise your long term investment goals.

Investment Options Choose from a wide range of Mutual Funds, RBI Relief Bonds, Insurance and other tax effective investment avenues like Infrastructure Bonds (NHAI bonds, Electrification Bonds and so on). We assure you that you will find a product that suits your need, be it high return, quick liquidity or capital preservation.

e-Broking HDFC Bank offers a gateway for e-Broking, via HDFC Securities Trading account, to facilitate easy T+2 settlements at a special price. Enjoy the convenience and flexibility of buying and selling shares over the phone or the Internet. Link your Savings Bank account and Demat Account to the Securities Trading account, thus allowing seamless flow of funds and shares between accounts.

Expedite Tax Payments Step into the nearest authorised branch and pay your taxes through HDFC Bank cheque and collect your challan immediately over the counter.

Relationship Pricing Get preferential pricing across a wide range of financial products like Credit Card, Loans, Demat account, HDFC Securities Trading account. Just ask your Relationship Manager for further details, and we will ensure that you need not look anywhere else.

Business Solutions Along with you and your family's banking needs, we also cater to the financial needs of your business with Business Loans like Working Capital Overdrafts, Trade Finance or Commercial Vehicle Loan.

On-demand exclusive privileges

              

No charges on NEFT & RTGS transactions through Netbanking. Get Free Alerts on your mobile phone or in your mailbox by registering for our InstaAlert facility. It comes at no cost to you. Register for free e-Age Banking - Avail of MobileBanking, NetBanking, or PhoneBanking facilities. Waiver of AQB non-maintenance charges Free Preferred International Gold Debit Card, with higher spending limit of up to Rs. 50,000 and cash withdrawal of up to Rs. 75,000 in a single day. No charges will be levied for balance enquiry and cash withdrawal if you transact on non HDFC Bank ATM (VISA/ MasterCard / Euronet/ SBI/ Andhra Bank) in India. A life time free HDFC Bank Credit Card which offers you exclusive and preferential benefits!* Request for a free "At Par" cheque book payable at any HDFC Bank branch across the country, doing away with the need for asking for a demand draft. Avail of a locker at just 50% of the annual fee. (Subject to availability) Open multiple Demat accounts absolutely free of charge. Also, avail of a discounted rate on transactions on your Demat account. Preferential Forex rates. Avail of combined monthly statement of your Savings, Current and Fixed Deposit accounts where you are principal holder. This faciity is also available for email statements. Free Standing Instructions facility. Cheque pick up facility. Avail of the BillPay facility and take care of all your utility bills and LIC premiums through PhoneBanking and NetBanking.

Annual Service Charge Waiver As a Preferred Customer you are entitled to a waiver of up to Rs.2, 000* per annum on a host of service charges like:
     

Demand Draft / Manager's Cheque charges. Inter-branch funds transfer charges Stop Payment charges. Cheque return / collection charges. DD cancellation charges. Hold Mail charges.

   

Duplicate statement charges. Certificate of balance charges. FIRC charges. Recovery of old records charges

9.CLASSIC BANKING
Classic Easy Shop Platinum Debit Card As a Classic customer, you can avail a Classic EasyShop Platinum Debit card for Free without any annual charge this entitles you for an enhanced limit of Rs. 1,00,000/- per day on ATM withdrawals and Rs 1,25,000/- when you use the card at a merchant establishment.

Credit Cards As a Classic customer, we are proud to offer you a life time HDFC Bank Credit Card* which offers you exclusive and preferential benefits, just one more way in which we thank you! *Conditions Apply

Locker Facilities You can avail of a locker at any branch in the country at a 50% waiver on annual locker rental rates.* * Subject to availability

HDFC Securities e-Broking Account Enjoy the convenience of e-Broking through the HDFC Securities Trading account. Contact your Branch Manager for details on special pricing offered exclusively to you.

Monthly Statement It's more convenient than ever before to track your money with the Bank. As a Classic customer, you will receive a statement every month. Your monthly statement will provide you with details of all CASA and FD accounts, where you are the principal account holder.

BillPay Leave it to us to take care of your bill payments with HDFC Bank BillPay, and make utility bill payments hassle-free! You are entitled to a waiver on annual BillPay charges of Rs.25/- as long as you remain a Classic customer.

InstaAlert You can opt to be kept informed of select debit and credit transactions on your account by registering for

our InstaAlert facility. You can get these alerts through an SMS sent to your mobile number (which needs to be registered with us), or through an email sent to your email ID (which, again, needs to be registered with us). In addition, on registering for the InstaAlert facility, you will also be kept informed each time you use your Debit Card at a merchant establishment.

Free Transactions on non-HDFC Bank ATMs If you transact on non-HDFC Bank ATMs, the charges for balance enquiry and cash withdrawal will be waived. You can avail of this benefit on transactions on any non-HDFC Bank ATM (Visa/ MasterCard/ Euronet/ State Bank of India/ Andhra Bank) across the country.

Loans at Special Rates Classic customers are entitled to enjoy reduced pricing on select loan products.

Forex Just inform your Branch Manager and your currency conversion transactions can earn the benefit of an improvement of 5 paise over the day's card rate, helping you save money when you're buying currency or earn money when you're selling currency-either way...you win!

Service Charges As long as you are a Classic customer, you will not be charged any service charges for not meeting the minimum Average Quarterly Balance requirement in your savings account, or those of your family (provided these are also linked to your HDFC Bank Classic account).

e-Age Banking Enjoy any time banking at your doorstep through MobileBanking, NetBanking and PhoneBanking!

10.LOANS
a)PERSONAL LOANS Borrow up to Rs 15,00,000 for any purpose depending on your requirements. Flexible Repayment options, ranging from 12 to 60 months. Repay with easy EMIs. One of the lowest interest rates. Hassle free loans - No guarantor/security/collateral required. Speedy loan approval. Convenience of service at your doorstep. Customer privileges
 

If you are an HDFC Bank salary account holder, we have a special offer for you If you are an existing Auto Loan or Home Loan customer with a clear repayment of 6 months or more from any of our approved financiers or us, you can get a hassle free personal loan (without income documentation). If you are an existing HDFC Bank Personal Loan customer with a clear repayment of 9 months or more, we can Top-Up your personal loan. Credit Shield In case of death or total permanent disability of the loanee,the loanee/nominee can avail of the Payment Protection Insurance (Credit Shield) which insures the principle outstandings on the loan upto a maximum of the loan amount.Principle outstanding is defined as the amount of loan outstanding (not including any arrears in payment or interest thereon) at the Date of Loss,having accounted for payments made and interest accruing as determined in the Policy. Hence,the amount covered does not include any principal added because of non - payment of EMI and also will not include interest/ accrued charges.* Personal Accident Cover In order to ensure that your family is taken care of we also offer a Personal Accident cover of Rs.2,00,000 at a nominal premium

SMART DRAFT Overdraft limit up to 3 times the salary* Minimum documentation No pre-closure charges Easy-to-use and easy-to-pay facility Freedom to use limit through Cheque book, ATM, online transfer, etc.

Interest payable on the amount utilized Credits in the account set-off utilisation and help save interest Easy documentation Limit will be set on the existing account Non EMI based facility

b)HOME LOANS
Home Loan - Home loans for individuals to purchase (fresh / resale) or construct houses. Application can be made individually or jointly. HDFC finances up to 80% of the cost of the property (including the cost of the land) based on the repayment capacity of the customer. Home Improvement Loan - The interiors of any home reflect the personal preferences and tastes of its owners making it imperative to constantly upgrade to keep up with changing times. HIL facilitates internal and external repairs and other structural improvements like Painting, Waterproofing and Roofing, Plumbing and Electrical Works, Tiling and Flooring, Grills, Aluminum Windows compound walls and much more. HDFC finances up to 85% of the cost of improvement. This is however subject to 80% of market value as assessed by HDFC. Home Extension Loan - HEL for adding more space to your existing home for meeting the requirements of your growing family be it an extra bedroom for your children, a reading room for yourself or a cozy coffee corner. It is easy to extend your home anyway you like. HDFC finances up to 85% of the cost of extension. This is however subject to 80% of market value as assessed by HDFC. Land Purchase Loan - Be it land for a dream house, or just an investment for the future, HDFC Land Purchase Loan is a convenient loan facility to purchase land. HDFC finances up to 80% of the cost /value of the land (Conditions Apply). Repayment of the loan can be done over a maximum period of 15 years. Choose from Fixed Rate or Floating Rate with options to structure your loan as Partly Fixed or Partly Floating. Flexible repayment options to suit your individual needs. Loan cover Term Assurance Plan - HDFC Standard Life Insurance Company Ltd. offers an insurance plan*, which is designed to ensure that life's uncertainties do not affect your family's interests and your precious home. LCTAP provides a lump-sum payment on the unfortunate demise of the life assured. This pure risk plan is designed in a way that the cover decreases as you repay your home loan making it a low cost premium insurance plan. *Insurance is the subject matter of solicitation. Automated Repayment of Home loan EMI - You can give us standing instructions to repay your Home Loan EMIs directly from your HDFC Bank Savings Account, thus, saving you the trouble of procuring, signing and tracking post-dated cheques. HDFC also offers In-house scrutiny of Property documents for your complete peace of mind. Customer privileges - If you are an existing HDFC Home Loan customer, you can avail of other loans (such as Personal Loans, Car Loans, Two-wheeler Loans and Loan against securities) at lower interest rates.

c)TWO WHEELER LOANS

Flexible repayment options, ranging from 12 to 48 months available even at the point of purchase. Repay through post-dated cheques with easy EMIs. Calculate your EMI. Hassle free loans - No guarantor required. Speedy loan approval. Available for almost all models at attractive interest rates. Free gifts from time to time on approval of your Two Wheeler Loan. (Watch this space for more details on the free gift promotion). Special Schemes to suit your needs FastTrack - If a spot approval is what you need, this highly flexible scheme gets you a loan of up to 70% with minimum interest rates. EasyLoan - This great scheme gets you a loan of upto up to 85% with minimal documentation. All you need as a Surrogate Income proof is: - A copy of credit card and credit card billing statement for the last 2 months OR - A repayment track record OR - Last 3 months bank statements.

d)NEW CAR LOANS

Covers the widest range of cars and multi-utility vehicles in India. Avail 100% finance on your favourite car.** Flexible repayment options, ranging from 12 to 84 months. Borrow up to 3 times your annual salary (for salaried professionals) and 6 times your annual income (for self employed professionals)*. Speedy processing - within 48 hours. Repay with easy EMIs. Attractive car loan plans - To Fastrack your loan, just choose the plan that is right for you. Attractive Interest rates Hassle-free documentation. Customer Privileges If you are an HDFC Bank account holder, we have special rates for you. If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank for more than six months, you can get fast approvals on your loans with minimal documentation. If you are an existing HDFC Bank Car Loan customer with a clear repayment of 12 months or more we can Top-Up your car loan to the extent of the original loan value

e)USED CAR LOAN

Choose any car manufactured in India within a certain age*. Borrow up to 80% of the value of the car. Flexible repayment options, ranging from 12 to 60 months. Borrow up to 3 times your annual salary (for salaried professionals) and 6 times your annual income (for self employed professionals)**. Available for almost all car models at attractive interest rates. Repay with easy EMIs. Attractive car loan plans - To Fastrack your loan, just choose the plan that is right for you. Additional loan on existing loan - If you are a existing HDFC Bank Auto loan customer with a clear track record of 12 months or more, then you can get an additional loan to the extent of your existing loan amount at attractive rate of interest. Customer Privileges Special benefits for HDFC Bank account holders.

If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank for more than six months, you can get fast approvals on your loans with minimal documentation.

f)GOLD LOAN
Avail Loan upto Rs.10,00,000 & upto 90% of value. Safety & Security of your Gold Jewellery ATL - Anytime Liquidity No EMI, Service only Interest and enjoy the Loan facility Lower Interest Rates - Your savings can be Invested in several Investment Avenues If you are an HDFC Bank customer, we have special rates for you !!!

g)LOAN AGAINST SECURITIES

You can enjoy the benefits of your securities and still avail a loan on the same.
       

No EMIs No Post Dated cheques No Pre-payment charges Interest charged only on utilised amount. Exhaustive number of approved securities Upto 80% Loan Simple and speedy processing Term Loan facility also available against select securities

Overdraft facility can be availed against pledge of:

         

Equity Shares* - Demat Shares up to 50% of the value. See approved scrips. Mutual Fund units* - Mutual Funds up to 50% of NAV (Net Asset Value). See approved Mutual Fund Schemes. Gold ETF NABARD's Bhavishya Nirman Bonds RBI Bonds (8% Savings Bonds 2003 (Taxable)) Life Insurance Policies issued by LIC & Select Private Insurance Companies See approved Life Insurance Policies. National Savings Certificate (NSC) Kisan Vikas Patra(KVP) Gold Deposit Certificates (GDC) Non Convertible Debentures

* The contribution of single scrip should not exceed 65% of the total portfolio value at any point of time during the tenure of the account.Loan is sanctioned as per applicable internal policy of the Bank. Single Scrip Lending - up to 50% of the value with any Depository Participant. Minimum loan amount: Rs. 2,00,000/Pay interest only on the amount outstanding and only for the time you use it.

Interest is calculated on the daily outstanding balance and debited to your account every month end. "With effect from 1st Jan 2011, the interest rates in Loan Against Securities (LAS) A/cs are linked to Base Rate.Any movement in Base Rate of the Bank would have a similar impact on the Rate of Interest in LAS A/c" Shares can be pledged from any Depository (NSDL or CDSL) and any Depository Participant across the country Loan available to NRIs against Shares, Mutual Funds(equity,Debt,FMPs), Insurance Policies,NSC,KVP To receive the overdraft amount, a Current Account with an overdraft limit is created in your name. This entitles you to all the Current Account benefits like FREE International Debit Card, FREE PhoneBanking, FREE NetBanking.

h)HEALTH CARE FINANCE HDFC Bank - Healthcare Finance offers easy loans for: New Equipment Finance : Finances for purchase of new medical equipment. Balance Transfer / Takeover : Transfer your equipment loans from other financiers at attractive interest rates with us. Funding for Imported Equipment's : Finance on imported equipment's by opening a Letter of Credit or through Telegraphic Transfer. Refinance / Used Asset Finance : Funding against your existing lien-free assets. Hospital Infrastructure Finance : Funding for real estate / infrastructure to meet your growing expansion plans. Customer Segment The Healthcare Finance Group works directly with: Doctors Diagnostic Centres Speciality Clinics Nursing Homes Small & Medium Sized Hospitals Large Hospitals Loan Features Loan amounts ranging from Rs. 100,000/- onwards

Loans upto 80% of invoice value Repayment period of 12 to 60 months Repayment through post dated cheque / direct debit mandate Equipment to be hypothecated to HDFC Bank Attractive Interest Rates

i)RETAIL AGRI LOANS

The Kisan Gold Card is aimed at meeting the production and investment needs of the farming community. Production needs broadly cover crop production requirements, including funds for all related inputs to grow a crop. We also meet Post Harvest and Domestic consumption requirements. The Card caters to investment needs such as purchase of agricultural related equipment/implements, irrigation requirements, construction of farm related buildings, and investment in agriculture related activities such as Dairy, Piggery, Beekeeping and the like. The credit limit on the card, sanctioned for three years, is based on the production requirements of the farmer. The limit will be renewed every three years. 24-hour Banking Facility The Card can be used at any HDFC Bank ATM across the country and all Visa establishments worldwide. Personal Accident Insurance Cover of Rs. 2 Lakh, free to all cardholders Daily withdrawal limit through the card is Rs. 15,000 at ATMs and Rs. 25,000 for usage at merchant outlets. The return on investments is the best in the industry. The Debit Card is backed by line of credit.

j)TRACTOR LOANS
Covers a wide range of tractors manufactured in India. Covers customer segments, using tractors for agricultural as well as commercial purposes. Avail finance up to 85 % on your favourite tractor. Flexible repayment options ranging from 12 - 84 months. Speedy processing. Repay with easy PDC's or by way of cash collection. Attractive interest rates.

Hassle Free documentation.

11.CREDIT CARDS
a)SILVER CREDIT CARD
All-purpose credit card The HDFC Bank Silver Credit Card can be used for all your requirements, be it shopping, eating out, holidaying, fuelling up your vehicle, railway ticket reservations - just about any financial requirement, planned or on impulse. Earn while you spend* With us, money spent is money earned. For every Rs. 200 you spend, you earn 1 reward point. You can redeem these accumulated points for exciting gifts and offers from our exclusive rewards program. Add-on cards Get up to 3 add-on cards for your spouse, parents, siblings (own brother/sister), son and/or daughter (over 18 years) and allow them to enjoy the many benefits of the HDFC Bank International Silver Credit Card Zero liability on lost card If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions on your card. Widely accepted Accepted at over 110,000 merchant establishments across India and Nepal and close to 18 million merchant establishments around the world.

b)VALUE PLUS CREDIT CARD

Value Plus Cashback- Anytime Anywhere Use your Value Plus Credit Card anywhere anytime during the year and avail up to 5% cashback on retail spends. Worldwide acceptance The HDFC Bank International Value Plus Credit Card is accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant Establishments in India. Cash Advance Just step into any one of our ATMs or VISA Member ATMs and withdraw cash up to 10% of your credit limit at a very nominal charge (Please refer to the Schedule of charges). Revolving credit facility This feature allows you to pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient for you. You can then carry forward the balance to a better financial month, for which you pay a charge of 3.25% per month. Interest Free Credit Period Your Card now gets an Interest Free Credit Period of up to 50 days from the date of purchase

(subject to the submission of the charge by the Merchant). Subsequently, if you carry forward your outstanding balance you just pay a nominal interest of 3.25% per month. Zero liability on lost card If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions on your card.

c)GOLD CREDIT CARD

Attractive Reward Points Earn 1 Reward Point for every Rs.150 for spends up to Rs. 20,000 per statement cycle. For incremental spends above Rs. 20,000 in a statement cycle, earn 50% more Reward Points i.e. 1.5 Reward Points per Rs. 150.

Rewards points redemption After earning all those reward points on your HDFC Bank Gold Credit Card, redeem them for exciting gifts and services! You could even convert them to airline miles with India's leading airlines through the MyRewards programme.

Worldwide acceptance Accepted at over 23 million Merchant Establishments around the world, including 110,000 Merchant Establishments in India.

Revolving credit facility Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient and carry forward the balance to a better financial month. For this facility you pay a nominal charge of just 3.25% per month (39.0% annually).

Free Add-on card You can share these wonderful features with your loved ones too - we offer the facility of an add-on card for your spouse, children or parents. Allow us to offer addon cards to you FREE OF COST with our compliments. Interest free credit facility Avail of up to 50 days of interest free period from the date of purchase (subject to the

submission of the charge by the Merchant).

Zero liability on lost card If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions on your card.

d)TITANIUM CREDIT CARD

Titanium Rewards Earn 2 Reward Points for every Rs.150 for spends up to Rs. 35,000 per statement cycle. For incremental spends above Rs. 35,000 in a statement cycle, earn 50% more Reward Points i.e. 3 Reward Points per Rs. 150. Zero petrol surcharge You can now fuel up as and when you want, without worrying about the surcharge - enjoy complete freedom from fuel surcharge when you purchase fuel between Rs 400 and Rs 5000 with your HDFC Bank Titanium Credit Card. Zero liability on lost card If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions on your card. Interest free credit facility Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant). Revolving Credit Facility You can enjoy the Revolving Credit Facility of the Titanium Credit Card at an interest rate of 3.15% per month.

e)PLATINUM PLUS CREDIT CARD

Attractive Reward Points Earn 2 Reward Points for every Rs.150 for spends up to Rs. 50,000 per statement cycle. For incremental spends above Rs. 50,000 in a statement cycle, earn 50% more Reward Points i.e. 3 Reward Points per Rs. 150.

0% Fuel surcharge You can now fuel up as and when you want, without worrying about the surcharge - enjoy complete freedom from fuel surcharge when you purchase fuel between Rs 400 and Rs 5000 with your Platinum Plus Credit Card.
Zero liability on lost card If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions on your card.

Interest free credit facility Avail of up to 50 days of interest free period from the date of purchase (subject to the submission of the charge by the Merchant).

Revolving Credit Facility You can enjoy the Revolving Credit Facility of the Platinum Plus Credit Card at an interest rate of 3.15% per month.

Free Add-on card You can share these wonderful features with your loved ones too. We offer upto 3 life time free add-on cards to your spouse, children (above 18 years of age), parents, brother or sister.

Utility bills through your credit card Register your Platinum Plus Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Ensure that all your utility bills are paid on time, without any hassle for you.

f)VISA SIGNATURE CREDIT CARD

Signature Access Don't let airport transfers wear you out. HDFC Bank Visa Signature Credit card entitles you a Priority pass that provides you access to exclusive airport lounges across the world. Priority Pass is the world's largest independent airport lounge program, which gives the cardholder access to more than 500 airport lounges in more than 275 cities worldwide. Priority Pass is Priced at Rs. 500/annum.

Signature Rewards What does one reward a connoisseur for? We reward them for their passion, refinement, taste and experience. The rewards range from exotic to interesting to measurable. All yours with a powerful Rewards Program. Earn 2 Reward Points for every Rs.150 spent on your card and 50% more Reward Points (i.e total 3 Reward Points) for every Rs. 150 spent above Rs. 75,000 per statement cycle*. Experience the power of the HDFC Bank Visa Signature Credit Card. Experience the delights.

Signature Benefits Superiority of HDFC Bank Visa Signature Credit Card is evident even in everyday use.You also enjoy an interest free period upto 50 days, the lowest interest rate of 3.05% on revolving credit facility (36.6% annually)# and petrol surcharge waiver of 2.5% across all petrol pumps in the country. Enjoy the world at your fingertips. Zero liability on lost card If you happen to lose your Card, report it immediately to our 24-hour call centre. After reporting the loss, you carry zero liability on any fraudulent transactions on your card.

g)CORPORATE PLATINUM CREDIT CARD

24x7 online MIS availablity. 60 MIS reports for better informed business decisions.
y y y y y

Spending Analysis by category Expense reports Cost allocation details & summary Merchant summary & details Account management for detailed transaction information at employee level.

Substantial savings for the business through better negotiations with airlines, hotel chains and other service providers. Streamlines accounting procedures by consolidating transaction data from around the world. Helps in integrating with the existing accounting systems. Helps in minimising paperwork and simplifying reconciliation and compliance tasks. Cardholder Benefits

My rewards Earn upto 2 reward points for every Rs.150 spent on the card. Earn upto 4 reward points for every Rs.150 spent on international transactions Petrol Surcharge Waiver Offering 0% surcharge on petrol spends across all petrol pumps for transactions between Rs. 400 to Rs.5000 only. Revolving Credit Facility Upto 50 days interest free period on your card. Protection Through Insurance To show how much we care, we have provided accident insurance cover upto 10 lacs on air travel and 3 lacs on rail/road travel.

Privileges Access to Clipper Lounges across India provided by MasterCard a. International Airports :
y y y y y

Mumbai Clipper lounge - Terminal 2B Kolkata Clipper lounge Chennai Clipper lounge Delhi Plaza Premium Lounge-2 Lounges at Terminal 3 Hyderabad Plaza Premium Lounge (Arrival and Departure)

b. Domestic Airports :
y

Mumbai - Clipper lounge at 1B ( first floor )

y y y y

Mumbai - Clipper Bar & Restaurant at Terminal 1A ( mezzanine floor ) Kolkata - Top desk restaurant and bar Kolkata - Clipper lounge located in the departure area of the Domestic terminal Cochin - Clipper restaurant and bar

12.DEBIT CARDS
a)EASY SHOP INTERNATIONAL GOLD DEBIT CARD
Daily Limits: Rs.50,000 at ATMs for Withdrawal and Rs. 75,000 at merchant establishments for shopping. Cash Back*: For every Rs. 100 that you will spend, you will receive Re. 1 as cash back. This cash back is valid on all purchases made through the card, at all times of the year!!!

0 % petrol surcharge at Petrol pumps*: As a Gold Card holder, any petrol surcharge levied on your Card at any petrol pump in India will be reversed in the subsequent month.( upto a maximum of Rs 750.00 per month per card ) Zero Liability on fraudulent Point of sale usage on lost or stolen cards*: If it's not your purchase you don't have to pay for it!! Your Debit Card is safer than ever! In case you lose your Debit Card, call us on our phonebanking numbers or visit the nearest HDFC Bank branch. POS Alerts: Now get an Alert on your mobile phone or email for every purchase transaction done using your Debit Card at a merchant outlet !! All you need to do is register for Insta Alerts! Insurance cover*: The following are included in the insurance covers:
   

Death Cover by Air / Road / Rail - Sum assured Rs. 5,00,000 Fire & Burglary for the items purchased under Debit Card (upto 6 months) - Sum assured Rs. 50,000 Loss of checked baggage - Sum assured Rs. 20,000 With effect 1st March 09, for Claims under Personal Accident Insurance / Fire & Burglary Insurance/ Loss of checked baggage Insurance to be accepted & processed, the cardholder should have carried out at least 1 purchase transaction using the Debit Card, within 6 months prior to the event date. Exclusive offers at premium outlets*: Special Offers for our EasyShop Gold Debit Card customers in association with Visa and MasterCard will be provided form time to time. Online Shopping: Pay Bills or Shop online using your HDFC Bank Debit Card either by using Verified by Visa/ MasterCard Secure Code service or by creating a one time use virtual shopping Card - NetSafe

b)EASY SHOP PLATINUM DEBIT CARD

Daily Limits: Rs.1 lakh at ATMs for Withdrawal and Rs. 1.25 lakh at merchant establishments for shopping. Cash Back*: For every Rs. 100 that you will spend, you will receive Re. 1 as cash back. This cash back is valid on all purchases made through the card, at all times of the year!!! 0 % petrol surcharge at Petrol pumps*: As a Platinum Debit Card holder, any petrol surcharge levied on your Card at any petrol pump in India will be reversed in the subsequent month.( upto a maximum of Rs 750.00 per month per card ) Insurance cover*: The following are included in the insurance covers:
   

Death Cover by Air / Road/Rail - Sum assured up to. Rs 10,00,000. Fire & Burglary for the items purchased under Debit Card (upto 6 months) - Sum assured Rs. 50,000 Loss of checked baggage - Sum assured Rs. 20,000 For any Claims under Personal Accident Insurance / Fire & Burglary Insurance/ Loss of checked baggage Insurance to be accepted & processed, the cardholder should have carried out at least 1 purchase transaction using the Debit Card, within 3 months prior to the event date.

Concierge Services : Get the best in lifestyle, dinning and events with the HDFC Bank Platinum Concierge Services. Just call the Concierge hotline 1800 119494 (only through MTNL/BSNL lines) or Delhi no: 011-26931828 for assistance on any of the below mentioned services,
      

Dining Referral and Reservation Assistance Flower & Gift Delivery Movie Tickets Electrical & Electronic Gadget Repair Assistance Pest Control Assistance Home Cleaning Assistance Referral of Crches in India

c)EASY SHOP NRO DEBIT CARD

Daily Limits Rs. 25,000 at ATMs for Withdrawal and Rs.40,000 at merchant establishments for shopping.

Domestic Validity The Debit Card can be used only in India to make purchases at Merchant locations and withdraw local currency at ATMs. The NRO Debit Card can be used at the following locations :
 

HDFC Bank ATMs for all ATM transactions Non HDFC Bank ATMs in India for Balance Inquiry and Cash Withdrawal only.

Merchant Locations in India for Purchases / Shopping

Zero Liability on fraudulent Point Of Sale usage on lost or stolen cards.

13.PREPAID CARDS
a)FOREXPLUS CARD
The ForexPlus Card is: Accepted at all Visa/ Mastercard Merchant outlets worldwide Can be used to withdraw cash at all VISA / MASTERCARD ATMs worldwide. Click to search for Visa ATMs Click to search for Mastercard ATMs Reloadable at all HDFC Bank branches, even when the cardholder is abroad * Available in Australian Dollar, AED (Dirhams), Canadian Dollar, Euro, Japanese Yen, Singapore Dollar, Sterling Pound, Swiss Franc and US Dollar Currencies Comes with a Personal Accident Insurance Cover of Rs 2 lacs. Includes Loss of Checked Baggage Cover up to Rs. 20,000 and Passport Reconstruction Cover (actual cost of passport reconstruction only). Features & Benefits

Addon card facility available The primary card can be hotlisted incase of loss and balance can be transferred to the issued add on card. Online usage allowed (E-com transactions) The card can also be used for online purchases / transactions eg. To pay bills, buy air tickets, do purchases when abroad etc Protection against Foreign Exchange fluctuation The basic denomination of this card is in AUD / AED / CAD/ CHF/ Euro / GBP / JPY / SGD and US

Dollars . But you can withdraw cash or use the card at POS in any currency, anywhere in the world. For withdrawals, which are in the card currency i.e. AUD / AED / CAD/ CHF/ Euro / GBP / JPY / SGD and US Dollars, you don't lose out on foreign exchange due to fluctuating market rates Safer and more secure This card is accepted at all Visa/ Mastercard Merchant outlets and 24 hour VISA/ Mastercard ATMs worldwide. So no more carrying the bulk of cash or travellers' cheques. And no more hassle of chasing money changers, paying commissions and tracking expenses. Your Card is protected against misuse at ATMs with a PIN. In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking Numbers immediately and report the loss of your card or Log on to the online facility for Prepaid Cards on www.hdfcbank.com and hotlist your ForexPlus Card. Reloadable at all HDFC Bank branches, even when the cardholder is abroad * Your HDFC Forexplus card is valid upto the last day of the month indicated on your card. Within this period you can use your card as often as you like. In case your money gets exhausted, this card offers the facility to reload even in the middle of your journey. *Reload requests made by any person on your behalf will be acted upon.Incase the Card is issued by your corporate/employer,reload requests will also be acted upon by HDFC Bank. Available in Australian Dollar, AED (Dirhams), Canadian Dollar, Euro, Japanese Yen, Singapore Dollar, Sterling Pound, Swiss Franc and US Dollar Currencies. Each of these currencies are accepted worldwide and can be changed into the currency of the country that you are in. Ease of tracking Get online access to your card account and track your spends, check your balance, Change your IPIN and log an online request for PIN change. What more, we'll also send you a statement of account to your mailing address at the end of every month during which any card transaction takes place. Insurance Cover Enjoy a travel experience free of financial worries with card insurance covers such as Personal Accident Insurance (Death cover only) of Rs.2,00,000, loss of checked baggage cover upto Rs.20,000 and passport reconstruction cover (actual cost of passport reconstruction only).

b)GIFT PLUS CARD

Gift the freedom to choose - Gift an HDFC Bank gift plus card - the perfect gift for every occasion !!! The card has been packaged to suit any gifting occasion and is available for any denomination of your choice. It gives gifting the personal touch that we all desire and also gives the beneficiary the freedom to choose the way they want to use it! So go ahead, visit any bank branch and gift this unique gift to your relatives, friends, colleagues...anybody

that you ever gift! Features More personal than cash Most often than not, we run short of time or ideas to gift - we then make do with gifting cash! This card with its occasion-based packaging is more personal than cash, as it reflects the thought and effort that has gone behind the gift. Freedom of choice While the card is more personal than cash, it also allows the cardholder (the beneficiary ) the freedom to choose their own gift. Shop , dine, party - the cardholder can use the card just the way he/she wants. This is the freedom this card gifts the user. Ease of usage Gift plus card is a Visa card and can hence be used at any Visa affiliated merchant outlet in India. Ease of tracking Gift plus card has an ATM PIN and also an IPIN in the card kit. The ATM PIN allows the card holder the access to any HDFC Bank ATM for balance enquiry on the card. The IPIN gives further access even to the transaction history. The card holder can use this option and even download the usage statements.

c)FOOD PLUS CARD Personalised Visa Card Card can be reloaded as per the corporate's instruction Card can be used at all Visa "Food & Beverage" merchant outlets in India If lost, the Card can be hotlisted to protect the value on the Card Balance Inquiry is allowed at all HDFC Bank ATMs NetBanking access to every Card account 24 X 7 access to PhoneBanking Card Statement for tracking the usage d)MONEY PLUS CARD Personalised Visa card Card can be loaded as per the corporates instructions. Cash withdrawal at all Visa ATMs in India Purchases at all Visa merchant outlets in India Balance inquiry at all Visa ATMs 24 X 7 access to Card account through NetBanking / PhoneBanking .

Periodic card statement for tracking the usage If lost, the card can be hotlisted through Prepaid card net or by calling PhoneBanking and reissued.