Classification - Confidential

Classification - Confidential
 Classification - Confidential

Product Feature & Benefits

Account Privileges (PC 126)
• Initial Payment (IP) = EMI
• ACH/SI Mandate from account to enjoy Zero Balance
• Unlimited transactions @ HDFC Bank ATM
• 50% waiver on Locker Charges for first year
• Demat Account - Nil account opening charges & 1st year AMC waiver
• Demand Draft - Free up to Rs. 1L
• Cash transactions - Free up to 5 Txns or value Rs. 5 Lakh p.m. ACH / SI Mandate from account to enjoy
• Chequebook - Free Zero Balance

Debit Card Lifetime Free Platinum with lounge access

& 1% Cashback
• Lifetime Free Platinum with 2 lounge access/quarter & 1% Cashback

Unlimited transactions @ HDFC Bank

Insurance Benefits ATM
• Personal Accident Death Coverage Up to ₹ 10 L
Amazon Pay Gift Card/Flipkart Voucher
• Air Accident Death Coverage Up to ₹ 3 Cr worth Rs. 1000*

Free any 3 vouchers of Rs 100: Uber/

Lifestyle Benefits & Offers Gaana/ Apollo Pharmacy/ Swiggy

• Amazon Pay Gift Card/Flipkart Voucher worth Rs. 1000*

• Free any 3 vouchers of Rs 100: Uber/ Gaana/ Apollo Pharmacy/ Swiggy
quarterly for 1 year*

*Terms & conditions apply | Offers are for limited period Classification - Confidential
 Classification - Confidential

Value Proposition
Savings up to Rs. 28,500* with Specialé Activ Savings Account

Merchant/Brand Banking Services Debit Card Investments

Alliances & Transactions

• 50% Discount on Lockers rental for

first year
Amazon Pay Gift Card/ (Assuming Medium/Small sized locker -
Flipkart Voucher subject to availability of locker & first
Rs. 1,000 locker with the Bank) Rs.1,500
Quarterly vouchers of Uber/ • Higher cash transactions limits-
Gaana/ Apollo Pharmacy/ Number & Value Cap (Assuming cash
Swiggy transactions of Rs 5L at branch every
Rs. 1,200 month & savings are as compared to
Regular Savings account charges
RS.15,000
• Free Cheque Book
(Assuming customer uses 3
chequebooks in a year) Rs.150
• Free Demand Draft
(Assuming customer makes 1 DD of Rs
1 lakh once a quarter) Rs.500
• Waiver on Platinum Debit Card
Annual Charges Rs.750
No Account Opening Charges &
• Personal Accident Death Cover of AMC on Demat for the First year
Rs 10 Lakh on Platinum Debit Card Rs. 750
Rs.1,500
• Air Accident Cover of up to Rs 3Cr
Rs.500
• Zero Liability Cover, Insurance on
Loss of Checked Baggage
Rs.250
• Get up to 1% Cash-Back on
purchases (Assuming spends of
Rs.20,000 every month)
Rs.2,400

Total Savings – 28,500

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 Classification - Confidential

Lifetime Free Platinum Debit Card

Save up to Rs. 23,150* Features & Annual Benefits

Up to 1% Cashback On Telecom ,Utilities ,Groceries ,Supermarket ,Restaurant ,Apparels

Cashback & Entertainment*
Annual Benfits-Rs.9,000

Up to Rs 12 Lakhs Personal Accidental Death Insurance

Annual Benfits-Rs.2,600

Up to Rs 3 Crore International Air Accidental Cover

Annual Benfits-Rs.1,200

Up to Rs 2 Lakhs Fire & Burglary Insurance

Annual Benfits-Rs.200
Other Benefits
Up to Rs 2 Lakhs Travel Insurance
Annual Benfits-Rs.1,400

8 Complimentary Domestic Airport Lounge Access

Annual Benfits-Rs.8,000

Debit Card Charges*(Free for Managed Program Customers)

Annual Benfits-Rs.750

Yearly Savings Rs. 23,150

#KeepGoingWithDebit
*CashBack is available only on these categories and on select merchants. Cashback amount is capped Rs.750 per month # Gst as applicable

*Terms & conditions apply | offer is for limited period Classification - Confidential
 Classification - Confidential

EXCLUSIVE DEALS FOR HDFC BANK CUSTOMERS

Up to 10X* Reward points on your Credit Card / Up to 10%* cashback on Debit card

Enjoy Savings Up to Get up to 20% off on

your favourite
Grocery Brands with
HDFC Bank Cards
Savings up to ₹
5,000/- on
Apple products

Savings Calculator : Know your savings here Visit https://offers.smartbuy.hdfcbank.com/

https://offers.smartbuy.hdfcbank.com/savings_calculator
:
Download SmartBuy on your phone:
*Terms & conditions apply Classification - Confidential
 Classification - Confidential

ALL PAYMENTS. ONE APP. ONE CLICK.

Save Up to ₹ 1,200* per month on bill payments, recharge, shopping & more.

*Terms & conditions apply | offer is for limited period Classification - Confidential
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Visit: XPRESSWAY Classification - Confidential

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Product FAQs
Q. What are the Brand/merchant offerings of Speciale Activ Account?

Debit Card Usage

Partner Benefit Amount In No of ACH/SI Mandate Maintenance
(Rs) Days
Amazon / Rs. 1000 Gift Card
25,000 90
Flipkart (1st year)
3 vouchers of
Active
Uber / Gaana Rs. 100 every
Active Each month
Swiggy/Apollo quarter
(1st year)

Note: Only successful debit card transactions will be considered and reversals on any transactions will not be considered as successful debit card transactions. ATM transactions or withdrawals
will not be considered under successful debit card transactions.

Q. What is the product code for Specialé Activ Savings Account?

A. Product code for Specialé Activ Savings account is 126

Q. What is the documentation required for opening Speciale Activ Savings account?
A. Documentation asper KYC Circular of Bank

Q. Which kit to be used for sourcing Specialé Activ Savings account?

A. Platinum debit card kit (normally used for opening SavingsMax account) is fungible for opening Specialé Senior Citizen Savings Account

Q. What are the modes through which Specialé Activ Savings Account can be opened?
A. Account can be opened via Digital Platform – Adobe Journey.

Q. Can Specialé Activ Savings Account be opened for an Existing Account Holder?
A. Only NTB customers applying for or having HDFC Home Loan can open this account with IP=EMI

Q. What is the Initial Payment (IP) requirement for Specialé Activ Savings Account opening
A. Mandatory IP. IP=EMI
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 Classification - Confidential

FAQs
Q. What are the charges applicable for transactions like Cash transactions. Chequebook, etc
A. Charges applicable are available on website www.hdfcbank.com

Q. Is Speciale Activ Account a Zero Balance Account?

A. Yes. To avail this benefit, customer needs to ensure that ACH/SI to pay Home Loan is maintained in this Account within 6 months of account opening. If still customer fails to
do it, then Account will be converted into Regular Savings Account where in customer will need to maintain Average Monthly Balance (AMB)

Q. What happens to the Speciale Activ Account if Home Loan EMIs are over?
A. Customer can upgrade/downgrade the account by visiting the branch

Others to follow

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 Classification - Confidential

Redemption Process – Voucher worth Rs.1,000 & Quarterly vouchers

Rs. 1000 Voucher:- On meeting the Debit Card spend of Rs. 25,000 within 90 days of account opening & ACH/SI
maintained in the Speciale Activ Account towards EMI Payment of Home Loan

Rs. 300 Quarterly Voucher:- On keeping the Debit Card active every month from the date of account opening & ACH/SI
maintained in the Speciale Activ Account towards EMI Payment of Home Loan

HDFC Bank will roll out the communication with Unique Voucher Promo code along with the link to claim the voucher
and expiry date of the code via Email and SMS. Below are the steps to be followed by the customers:

1. Customers will click on the link (mentioned on the SMS / Email) and enter their Unique Voucher Promo Code

2. Customers will see the brand options and click on “Redeem now”

3. Customers will enter their details - Name, Mobile Number, E-Mail Id, Select Qty and click on “Submit”

4. That’s it! The Gift Voucher of the chosen brand will be sent to the customer instantly through SMS / Email

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 Classification - Confidential

Terms and Conditions – Merchant Alliance Offers

Note:
• Redemption details of respective benefit would be sent on SMS and the Bank will not be responsible or liable in case the above offer is not
configured or could not be availed due to any restrictions including DNC/ NDNC or any delay, congestion on any telephone network or line
or issues related to computer on-line system, servers or providers, website or mobile app or any other reason beyond the control of HDFC
Bank

• Customer would be eligible for the voucher offers only once in stipulated time period and cannot re-apply for the offers again going
forward by opening another account

• Merchant alliance offers are not eligible for account upgrades and will be provided only on new account opening.

• Any downgrade in the product to Other Savings account would lead to the customer for not being eligible for merchant alliance benefits

Example as to when eligible Customer will get the voucher

Rs. 1,000 Voucher: Suppose if a customer has opened an account on 15th Sep’23, then the customer has to spend Rs.25,000 using Platinum
debit card within 90 days from date of account opening i.e. from 15th Sep’23 to 14th Dec’23 and must have ACH/Debit instruction
maintained in this Speciale Activ Account. Post fulfilling the eligibility criteria, the Customer will receive voucher within 90 days from end
of eligibility period i.e. latest by 31st Mar’24.

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 Classification - Confidential

Insta Savings
Adobe Journey Training Module

For Internal Circulation Only Classification - Confidential

 Classification - Confidential

Account opening process

HSPL sales person Calls/Meets customer (Partially disbursed cases) who is not having any
CASA relationship with the Bank

Explains Speciale Activ Savings Account product benefits in detail

LG & LC Shares the Adobe Link with for customer to open the account via email or SMS or Whatsapp

Customer visits the page & completes the account opening process

Customer clicks on VKYC link and completes the account opening

HSPL person to take the physical ACH mandate to debit customer account for Home Loan EMI and
submits it to nearby HL centre branch

Customer receives the Welcome Kit in 7-10 working days

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 Classification - Confidential

Link and Process

https://applyonline.hdfcbank.com/savings-account/insta-savings/open-instant-savings-account-
online.html?productcode=126&lgcode=HSPL&promocode=<EmpCode>&partnerid=HOME#nbb

1. The Speciale Activ Savings account can only be opened through the customized link for HDFC Sales.

2. The HSPL Sales Executive (FSA/ LSE) to be input their Code in the EmpCode section and share the link with the customer to get

business credit.
E.g :https://applyonline.hdfcbank.com/savings-account/insta-savings/open-instant-savings-account-
online.html?productcode=126&lgcode=HSPL&promocode=<1XXX6>&partnerid=HOME#nbb

3. It is a DIY Journey and the customer to submit the application through the Adobe Link Journey only. Once the application is
submitted, the customer must complete the Video KYC to get the account activated.
• That is the customer to complete the journey and after the Masked Insta Cust ID available he has to initiate the Video KYC buy clicking
on the START Video KYC and complete the same.
• Only after Video KYC is completed will he be eligible for full a/c benefits.
• The Video KYC will be valid for 3 days and to be completed by him within the 3 days.

4. On Completion of the VKYC, the welcome kit will be dispatched to the customers at their mailing address

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 Classification - Confidential

CUSTOMER IDENTIFICATION

BTE Link :
https://applyonline.hdfcbank.com/loan-against-assets/balance-
transfer/balance-transfer-on-emi.html#nbb

Customer to enter
Mobile No., & DOB &
click on “START NOW”

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MOBILE OTP VALIDATION

System will trigger an

OTP SMS to the
customer’s Mobile
number. Customer to
input OTP and proceed

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NTB/ ETB IDENTIFICATION

For NTB,
customer has
to fill the name
with the prefix

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KYC SELECTION

OVD selection is also

available for customer
along with Aadhaar

Customer to
select the
preferred
language

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AADHAAR KYC CONSENT

Customer to go
through the
Aadhaar
consent form

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KYC – AADHAAR NUMBER INPUT

Enter Aadhaar No.

or Virtual ID No.
and proceed for the
OTP verification.

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KYC – AADHAAR OTP VALIDATION

Customer to enter Aadhaar

OTP received on the mobile
number registered with
UIDAI.
& then click on Submit OTP.

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 Classification - Confidential

AADHAAR FETCHED DEMOG DETAILS

Further, need to confirm

the residence type

Customer DOB, Address will

be prefilled as per Aadhar
and Customer need to fill in
additional mandatory details

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 Classification - Confidential

BRANCH SELECTION

Customer to confirm if
this address is
Permanent/Mailing
address or Both.

State, City & Branch will be

prefilled basis the
communication/mailing address
received, Customer can edit basis
his choice for nearest location

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 Classification - Confidential
ACCOUNT TYPE SELECTION

Customer to select Account

type - Savings/ Corporate
Salary Account/Current

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EMPLOYEMENT DETAILS

Customer have to
update the
employment details,
data to be correctly
input like the email ID,
the name of the
Organization & other.

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 Classification - Confidential

ACCOUNT VARIANT SELECTION

Customer to go
through the
account
features and
the AMB
requirement

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PERSONAL DETAILS

Customer can update Mother’s Name

the Marital Status,
Nominee details

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PERSONAL DETAILS

customer to Confirm
for Email Statement,
and TPT consent
registration.

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VIDEO KYC CONSENT

Customer needs to read and

understand & Agree VKYC
consent

Customer need to give consent

on Terms and conditions link
to read and understand the
same. And then click on Agree
and Continue

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 Classification - Confidential

THANK YOU SCREEN

For Savings – A/c No. and Cust ID

would be Masked. Customer
should click on START VIDEO
KYC tab on the Thank you Screen
or Click on the VKYC link received
via SMS for VKYC completion & to
get Full A/c Benefits. Customer to
ensure the prerequisites shared
before connecting for VKYC

Customer should click on START

VIDEO KYC tab on the Thank you Screen or Click on the
VKYC link received via SMS for VKYC completion & to
get Full A/c Benefits. Customer to ensure the
prerequisites shared before connecting for VKYC
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BOTC Help Desk

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Digital Team Help Desk

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THANK YOU

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