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Make HDFC Gold/Platinum Speciale account zero balance

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ontherocks
This is an undocumented feature. You can make your HDFC Gold/Platinum Specialé account zero balance by parking one lakh for the first two months on opening the account. This is applicable only to Privilege and Imperia account holders. https://www.hdfcbank.com/personal/save/accounts...
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Deal Subedar Deal Subedar
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This is applicable only to Privilege and Imperia account holders.

Do you mean one has to be Privilege/Imperia account holder before opening Speciale account?

Deal Cadet Deal Cadet
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nimod wrote:

This is applicable only to Privilege and Imperia account holders.

Do you mean one has to be Privilege/Imperia account holder before opening Speciale account?

+1

Deal Subedar Deal Subedar
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I have just opened Imperia Family account …. still under process

Deal Subedar Deal Subedar
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I am an imperia member. Can you tell me exactly what to do?
I was upgraded to imperia from preferred banking and have already parked more than 1lac unknowingly in my account but i don’t see anything like gold/platinum special account. Please help with some more details
@ontherocks

Elite Elite
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Maverick_23 wrote:

I am an imperia member. Can you tell me exactly what to do?
I was upgraded to imperia from preferred banking and have already parked more than 1lac unknowingly in my account but i don’t see anything like gold/platinum special account. Please help with some more details
@ontherocks

You need to open a Gold or Platinum account of your choice in addition to the current savings account that you have. After opening the Gold/Platinum account, park 1L for two consecutive months in that account. Your Gold/Platinum account will become zero balance.
Later you can keep or close the old savings account…upto you.

Deal Subedar Deal Subedar
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ontherocks wrote:

You need to open a Gold or Platinum account of your choice in addition to the current savings account that you have. After opening the Gold/Platinum account, park 1L for two consecutive months in that account. Your Gold/Platinum account will become zero balance.
Later you can keep or close the old savings account…upto you.

do we have to maintain 1lack for life long or just for 2 months?

Deal Subedar Deal Subedar
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My classic account is basically zero balance maintaining 2-4k still they haven’t downgraded after 2 years laughing

Elite Elite
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Demondealer wrote:
do we have to maintain 1lack for life long or just for 2 months?
If you have to maintain 1L lifelong, what's the meaning of zero balance rolleyes
Deal Subedar Deal Subedar
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ontherocks wrote:

If you have to maintain 1L lifelong, what’s the meaning of zero balance rolleyes

previously used to have classic account. after a while i didnt maintain 1lack and they made it standard account.

in the terms it is mentioned if we don’t maintain below 1lack there is a fine it seems. so i don’t think this is for 2 months. we have to maintain life long

Minimum Quarterly Balance Requirement(M/U/SU/R) Rs. 1,00,000/-
OR
FD relationship of Rs. 4 Lakhs

I / We understand that notice for AQB non-maintenance will be sent on end of 2nd month of the quarter in which AQB is not maintained . If AQB is not maintained in the subsequent month of that quarter then non maintenance charges for that entire quarter will be levied

Deal Cadet Deal Cadet
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ontherocks wrote:

You need to open a Gold or Platinum account of your choice in addition to the current savings account that you have. After opening the Gold/Platinum account, park 1L for two consecutive months in that account. Your Gold/Platinum account will become zero balance.
Later you can keep or close the old savings account…upto you.

By “current savings account” do you mean just preferred and imperia account? Or any savings account will work?

Elite Elite
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Futgjitfhig wrote:

By “current savings account” do you mean just preferred and imperia account? Or any savings account will work?

Preferred or Imperia is the type of “customer” in layman terms.
Your savings account type is different.
You can be a Preferred or Imperia customer with a variety of savings accounts.
The eligibility is that you need to be a Preferred or Imperia customer…that’s all, no restriction on the type of current savings account you have to open a Gold/Platinum account.

Deal Subedar Deal Subedar
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Anyone received quarterly vouchers for this accounts ?

Deal Hunter Deal Hunter
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Sudarshan61 wrote:

Anyone received quarterly vouchers for this accounts ?

Nope

Entertainer Entertainer
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ontherocks wrote:

Preferred or Imperia is the type of “customer” in layman terms.
Your savings account type is different.
You can be a Preferred or Imperia customer with a variety of savings accounts.
The eligibility is that you need to be a Preferred or Imperia customer…that’s all, no restriction on the type of current savings account you have to open a Gold/Platinum account.

How do I know if I am an Imperia or Preferred customer? stuck_out_tongue_winking_eye

Finance Ninja Finance Ninja
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jileg wrote:

How do I know if I am an Imperia or Preferred customer? stuck_out_tongue_winking_eye

Login to mobile banking. Click on hamburger button on top left, it must show below your name.

Elite Elite
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jileg wrote:

How do I know if I am an Imperia or Preferred customer? stuck_out_tongue_winking_eye

You can see either in netbanking or in HDFC Bank app.
In netbanking it will show in top left corner when you log in

https://cdn0.desidime.com/attachments/photos/681766/medium/75896556IniZ0J.png?1619784176

In App as Fanil mentioned, click on Menu (3 horizontal lines in top left corner), you will see it below your name.

https://cdn0.desidime.com/attachments/photos/681769/medium/7589655YorVmqW.png?1619784647

Deal Cadet Deal Cadet
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I started a preferred a/c on last Wednesday with gold speciale a/c as base will it also become zero balance after 2 months?

Comrade Comrade
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this will be my first account, will this offer still work? I started classic with 1 lac opening balance.

Deal Cadet Deal Cadet
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Kochiro wrote:

this will be my first account, will this offer still work? I started classic with 1 lac opening balance.

How do you start classic account directly? When i tried to open preferred account directly they give me gold speciale account and they said after a/c opening rm call me and upgrade it to preferred

Deal Cadet Deal Cadet
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what are the advantages of becoming gold/platinum etc

Deal Cadet Deal Cadet
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narayana1dd249 wrote:

what are the advantages of becoming gold/platinum etc

You’ll get the opportunity to keep a minimum balance of 1 lakh for gold and 3 lakh for platinum.

Deal Cadet Deal Cadet
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timelord wrote:

You’ll get the opportunity to keep a minimum balance of 1 lakh for gold and 3 lakh for platinum.

in which variant of account?

Comrade Comrade
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I opened account through RM

Comrade Comrade
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timelord wrote:

How do you start classic account directly? When i tried to open preferred account directly they give me gold speciale account and they said after a/c opening rm call me and upgrade it to preferred

what’s the advantage of gold though?

Finance Mentor Finance Mentor
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I am a preferred account holder right now , how to get upgraded to Imperia ?

Finance Mentor Finance Mentor
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@ontherocks can this account be opened online , further is the debit card provided with this account dont have AMC charges and which variant is better Gold or Platinum ?

Elite Elite
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beastboy wrote:

@ontherocks can this account be opened online , further is the debit card provided with this account dont have AMC charges and which variant is better Gold or Platinum ?

I am not sure about online opening facility, as it is mostly done by RM.
No DC charges.
Look at this comparison and decide for yourself which complimentary vouchers are more useful for you.
https://www.hdfcbank.com/personal/save/accounts...
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