Regular Salary Account

A range of banking services, products and benefits tailored for you

Benefits of Regular Salary Account

  • Enjoy a Zero
    balance account
  • Free MoneyBack Debit Card with
    Higher Debit Card Limits
  • Get Up to Rs. 3000
    Cashback every year
  • Demat account free for
    the first year


  • Enjoy a Zero balance account

Debit card

Free MoneyBack Debit Card with Higher Debit Card Limits

  • Daily Domestic ATM withdrawal limits: Rs. 25,000
  • Daily Domestic Shopping limits: Rs. 3 lacs

Please login to NetBanking to change (Increase or decrease) the limit* on your Debit Card to suit your needs. Please note the limits can be increased up to the Permissible limits on your Debit Card.

Dynamic Limits:
Use your Debit Card over and above your daily shopping limit on select merchant categories i.e. Airlines, Education, Electronics, Medical, Travel, Tax Payments and Insurance without transaction decline*. Click Here to know more.

Cashback & Discounts

Get Up to Rs. 3000 Cashback every year

  • 5% Cashback on shopping via PayZapp and SmartBuy
  • 1% CashBack on every Rs. 100 spent on Fuel, Apparels, Insurance, Education and Grocery
  • Welcome Voucher on the first transaction of Rs 500/- for brands like Eros Now, Gaana Plus


  • Free Personal Accidental Death cover of ₹ 1 lakhs* and free Air Accidental Death cover of ₹ 5 lakhs* on your account.
  • Accelerated Personal Accident Death Cover of up to Rs. 10 lakhs on your debit card
  • You are entitled to a Base Personal Accident Death Cover by Air/Road/Rail for a sum assured of Rs. 5 lakh.
  • Additionally, you are also eligible for an Accelerated Personal Accident Death Cover up to a maximum of Rs. 5 lakh, subject to minimum transactions at merchant locations / online. Click Here to know more.
  • Effective 1st July 2014, all Debit Card holders are required to use their Debit Card at retail OR on-line stores at least once every 30 days to keep the free Personal Death Insurance cover on their Debit Card active.
  • International Air Accident Cover.
  • Now get additional International Air Coverage of flat Rs.1 Crore on purchase of air ticket using your Debit Card. Click Here to Know More.
  • Fire & Burglary Protection of Rs. 200,000
    You are insured for the items purchased using Debit Card (upto 6 months) - Sum assured Rs. 200,000. Click Here for more details.
  • Checked Baggage Insurance Sum of Rs. 2 lakh
    Applies if the insured is travelling on tour and / or on holidays to location within India, to the intrinsic value of the accompanied personal baggage belonging to the card holder, so lost because of fire, theft, burglary and accident of travelling vehicle. Click Here for more details.
  • Zero Liability:
    You will not have any liability to any fraudulent Point of Sale transactions on the debit card, which take place upto 90 days prior to reporting the card loss. Click Here for more details.

Travel & Fuel Surcharge

  • Fuel Surcharge:Effective 1st January 2018, Fuel Surcharge would not be applicable for the transactions done on HDFC Bank swipe machines .
  • Airport Lounge access offer: The card also gets you complimentary access to Clipper lounges at airports across India. For the list of Clipper lounges where the offer is valid and conditions, Click Here

Ways to bank

  • Anywhere banking across our extensive Branch and ATM network. 
  • Bank from your home, office or on the go with our easy to use Free PhonebankingMobilebanking and Netbanking facilities 
  • Access to other bank ATMs in India*


  • Transfer funds online to any bank across the country through NEFT / RTGS online 
  • Free BillPay facility
  • Free Demand Drafts payable at HDFC Bank branch locations

Statements & alerts

  • Free e-mail statements / passbook
  • Free e-mail alerts (InstaAlert facility)

Investment, Loans and Credit cards

  • Get preferential pricing on loans (Apply Online) and get access to our Super Premium Credit cards (Apply Online)
  • Easy investments with high returns. Open a Fixed Deposit instantly through NetBanking
  • Save on charges when you apply for loans, credit cards and more*
  • Demat account free for the first year*

*Terms and Conditions apply – Features and Benefits may vary subject to corporate offer