HDFC Senior Citizen's Account

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HDFC Senior Citizen's Account

Senior Citizen's Account offers higher interest, exclusive benefits, and hassle-free banking for a secure and comfortable future. Open yours today!

  • cheque availibilty
  • penalty for nonmaintenance
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Details for HDFC Senior Citizen's Account

The Senior Citizen’s Account is designed for individuals aged 60+ to enjoy higher interest rates, priority services, and special benefits. It ensures secure savings with easy access, free passbooks, and personalized banking support, making financial management convenient for a stress-free retirement.

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Interest Rate

3.50% p.a

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Withdrawal Limit

50,000/-

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Transaction Limit

3,50,000/-

Minimum Balance Required

  • AMB for Metro / Urban / Semi Urban / Rural -5,000/-

Eligibility Criteria for Opening an Account

  • All resident individuals (sole or joint) in the age group of 60 years and above are eligible to open a Senior Citizens Account. In the case of a joint account, the first applicant has to be a senior citizen.

Additional Benefits

  • Get accident hospitalisation reimbursement cover of ₹ 50,000 per annum
  • Claim a daily cash allowance of ₹ 500 per day for 15 days hospitalisation
  • Enjoy Preferential rates on fixed deposits (FDs)
  • Free Doorstep Banking Facility for Senior Citizens 70 years and above
  • Free Rewards International Debit card
  • Stay Protected with our Free Insurance Cover
  • Free Debit Card for the primary account holder
  • If the first applicant is a woman and new to the bank, our special free Woman's Advantage Debit Card with cash withdrawals of upto Rs. 25,000 per day and shopping (POS) limit of Rs. 2.75 lacs per day will be issued by default.
  • 9.5% Cashback on partner merchants (Smart Bazar, BPCL (HDFC Bank Terminal), Snapdeal, Payzapp, IRCTC, Apollo Pharmacy and Smart Buy)
  • Max Cashback/Reward Points Rs. 2,000 per month
  • Cross-Product Benefits
  • Free Payable-at-Par cheque book with no usage charges. With this facility, outstation cheques issued by you (for clearing) will be treated as local cheques, at any HDFC Bank location.
  • Free lifetime BillPay & InstaAlerts for all Bank Account holders
  • Free passbook facility for all individual account holders
  • Free e-mail statements
  • Easy banking with facilities like NetBanking, PhoneBanking and MobileBanking that allow you to check your account balance, pay utility bills, or even stop cheque payments via SMS
  • Free travellers’ cheques
  • National Electronic Funds Transfer (NEFT) facility

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