Vishesh

What's in store for you?

More benefits than ever before

Personalised Service

  • Easily access banking and finance services with a dedicated personal banker for loans, investments and daily banking needs.

Relationship Pricing

  • Access discounted rates on Forex, Trading, Demat and Locker facilities*.

  • 50% waiver on gold valuation once a year.

  • *Terms and conditions apply.

Family Benefits

  • Extend Vishesh customer perks to 8 family members by consulting your Personal Banker to add their accounts to your group.

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Additional Benefits

Wondering if you are eligible?

  • A Minimum Average Monthly Balance of ₹1 Lakh in Savings Account
  • OR
  • A Minimum Average Quarterly Balance of ₹2 Lakhs in Current Account
  • OR
  • A Combined Average Monthly Balance of ₹5 Lakhs or More Across Retail Liability Value**
  • OR
  • A Total Relationship Value (TRV)*** of ₹10 Lakhs or more
  • OR
  • For Salaried Customer, Monthly net salary credit of ₹1 Lakh & above in HDFC Bank Corporate Salary Account#
  • HDFC Bank Programme Terms and conditions
    *Balance is measured as a combined balance across account/s linked to your Customer ID or over the account/s of other customers linked to your "Group" (as defined in the HDFC Bank Programme Terms and conditions)
    The tenure of the Fixed Deposits should be at least six months
    **Retail Liability Value comprises of average quarterly balances maintained in Current accounts, average monthly balances maintained in Savings accounts and average monthly balances maintained in Fixed Deposit accounts with HDFC Back
    #Net Salary credit criteria is considered as monthly net salary credit in HDFC Bank Corp Salary Account
    ***Total Relationship Value (TRV) is measured as a combined balance across account/s, investment and loans linked to your Customer ID or over the account/s of other customers linked to your “Group” (as defined in the HDFC Bank Programme Terms and Conditions)
  • Total Relationship Value (TRV) is aggregated at Customer ID or Group ID level, including -
    1) Liability Relationship with HDFC Bank
    2) Mutual Funds & Investment Products value through HDFC Bank
    3) 20% of Retail loan^ outstanding value availed through HDFC Bank
    4) 20% of Demat balance with HDFC Bank
    5) Insurance Premia of all policies with HDFC Bank
  • ^ Retail loan comprises of – Auto Loan (AL), Personal Loan (PL), Business Loan (BL), Education Loan (ED), Two-Wheeler Loan (TWL), Tractor Loan (TRL), Gold Loan (GL), Loan Against Property (LAP), Loan Against Shares (LAS) > 15 lakhs, Home Loan (HL), Consumer Durables (CD) & Business Assets (BA).
  • The new Programme eligibility criteria is effective from 1st July 2025
    For existing groups onboarded on or before 30th June 2025, the new eligibility criteria will come into effect from 1st October 2025
    In case any existing group is upgraded or downgraded on or after 1st July 2025, the new eligibility criteria will be applicable immediately

 

Vishesh

Know more about Vishesh Banking

Fees & Charges 

  • Charges on non-maintenance of minimum Balance in Savings Accounts: NIL 
  • Locker Annual Rental: Locker with 25% annual rental charge available for first locker allocated per group
  • DD/MC Charges on Savings Accounts: Nil issuance charges on DD/MC up to ₹1 Lakh per day per customer as long as part of the Vishesh programme.
  • NEFT/RTGS Charges - outward: Nil charges through online mode. 
  • Click here to view more details of the fees and charges.
Card Reward and Redemption

Terms and Conditions

  • *The (Most Important Terms and Conditions) for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.   
  • All Features and Benefits are subject to HDFC Bank Programme Terms and Conditions apply. 
  • Vishesh Banking is a Classic equivalent programme that shall be available only in semi-urban and rural classified branches. 
  • Card issuance is subject to internal bank policy, and terms and conditions apply. 
  • The loan is extended at the sole discretion of HDFC Bank Limited and is subject to documentation and verification as per the bank's requirement. 
  • Complimentary healthcare cover will be available for the primary group ID customer (aged 18 to 65) for the first year of onboarding. It is applicable for hospitalisation in India only. 
  • Agri-tech services shall apply to the primary group holder only. 
  • Health care and Agri Tech services are available only at selected locations. 
  • Up to 8 immediate Family members can be grouped together. 
  • ​​​​​​​Immediate Family members are defined as: 

    • Spouse – Husband, Wife 
    • Linear Ascendants – Parents of the Group Id 
    • Linear Descendants – Children  
  • Disclaimer: Under no circumstances shall HDFC Bank or its affiliates be liable for any indirect, incidental, consequential, special or exemplary damages arising out of or in connection with your access or use of or inability to access or use the application and any third-party content or services.
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Frequently Asked Questions

To enrol in HDFC’s Vishesh Premier Banking, maintain the required balance, visit your nearest HDFC branch and speak to a Relationship Manager. They will guide you through the application process, documentation and benefits.

Listed below are the exciting features of our Vishesh Banking Programme 

Personalised Service: Enjoy effortless access to banking and financial services with the help of a dedicated personal banker. Whether you need assistance with loans, investments, or daily banking needs, your personal banker is there to ensure a seamless experience. 

Relationship Pricing: Benefit from special discounted rates on a variety of services, including Forex, Trading, Demat, and Locker facilities. Additionally, enjoy a 50% discount on gold valuation annually, making your banking experience even more rewarding.

Family Benefits: Extend the exclusive perks of being a Vishesh customer to your family members. By consulting your Relationship Manager, you can add their accounts to your group, ensuring that your loved ones also enjoy the same premium services and benefits. With HDFC Bank Vishesh Premier Banking, you and your family can enjoy convenience, greater savings, and personalised service.