HDFC Premier Banking Programmes: Classic vs Preferred vs Imperia

[Copycat]

Classic
(Eligibility: AMB 1L Savings OR 2L Current OR 1L Salary OR 5L Savings+FD)
https://www.hdfcbank.com/personal/save/high-networth-banking/premier-banking/classic
Preferred
(Eligibility: AMB 2L Savings OR 5L Current OR 1.5L Salary OR 15L Savings+FD)
https://www.hdfcbank.com/personal/save/high-networth-banking/premier-banking/preferred
Imperia
(Eligibility: AMB 10L Savings OR 15L Current OR 3L Salary OR 30L Savings+FD)
https://www.hdfcbank.com/personal/save/high-networth-banking/premier-banking/imperia

Eligibility limits to be satisfied either by an individual or by the group as whole in case of family group. Up to 8 members can be grouped



Here is a comparison of what you get free with each level
Classic
1) Nil DC Fees
2) Nil Charges on Non-Maintenance of minimum Balance in Savings Accounts
3) Nil charges for Savings Account Chequebook issuance
4) Nil issuance charges on DD/MC up to Rs.1 lakh per day per customer
5) No charges for usage of HDFC bank as well as non HDFC Bank ATMs
6) Cash transactions 5 free/Monthly limit 2.5 lakh
7) NEFT/RTGS Nil charges through online mode
8) Bill Pay Nil charges
9) Insta Alert Nil charges
10) Standing Instructions Nil charges

Preferred
Everything in Classic +
1) Cash transactions 7 free/Monthly limit 5 lakh
2) NIL Demat account AMC charges if at least 1 transaction.
3) IMPS Nil charges

Imperia
Everything in Preferred +
1) Locker with Nil annual rental charge available for first locker allocated per group
2) DD/MC Charges on Savings Accounts Nil issuance charges
3) DD/MC Cancellation / revalidation on Savings Account Nil charges
4) Nil Demat account Annual Maintenance charge
5) Cash transactions 10 free/Monthly limit 15 lakh
6) Cheques deposited - Returned Unpaid(Effective 1st Dec'17) Nil charges
7) ECS /ACH Return Charges Nil charges
8) Service Charges for Savings Account: Nil charges on all the below services for Imperia customers:
- Inter-branch funds transfer charges
- Stop payment charges
- Cheque collection charges
- Duplicate statement
- Mandate registration charges
- Old records/copy of paid cheques
- Interest Certificate
- Balance Certificate
- Address Confirmation
- Signature Attestation

 

[6ix9ine]

Good compilation post 👍

 

[msankadi]

Classic
(Eligibility: AMB 1L Savings OR 2L Current OR 1L Salary OR 5L Savings+FD)
https://www.hdfcbank.com/personal/save/high-networth-banking/premier-banking/classic
Preferred
(Eligibility: AMB 2L Savings OR 5L Current OR 1.5L Salary OR 15L Savings+FD)
https://www.hdfcbank.com/personal/save/high-networth-banking/premier-banking/preferred
Imperia
(Eligibility: AMB 10L Savings OR 15L Current OR 3L Salary OR 30L Savings+FD)
https://www.hdfcbank.com/personal/save/high-networth-banking/premier-banking/imperia

Eligibility limits to be satisfied either by an individual or by the group as whole in case of family group. Up to 8 members can be grouped



Here is a comparison of what you get free with each level
Classic
1) Nil DC Fees
2) Nil Charges on Non-Maintenance of minimum Balance in Savings Accounts
3) Nil charges for Savings Account Chequebook issuance
4) Nil issuance charges on DD/MC up to Rs.1 lakh per day per customer
5) No charges for usage of HDFC bank as well as non HDFC Bank ATMs
6) Cash transactions 5 free/Monthly limit 2.5 lakh
7) NEFT/RTGS Nil charges through online mode
8) Bill Pay Nil charges
9) Insta Alert Nil charges
10) Standing Instructions Nil charges

Preferred
Everything in Classic +
1) Cash transactions 7 free/Monthly limit 5 lakh
2) NIL Demat account AMC charges if at least 1 transaction.
3) IMPS Nil charges

Imperia
Everything in Preferred +
1) Locker with Nil annual rental charge available for first locker allocated per group
2) DD/MC Charges on Savings Accounts Nil issuance charges
3) DD/MC Cancellation / revalidation on Savings Account Nil charges
4) Nil Demat account Annual Maintenance charge
5) Cash transactions 10 free/Monthly limit 15 lakh
6) Cheques deposited - Returned Unpaid(Effective 1st Dec'17) Nil charges
7) ECS /ACH Return Charges Nil charges
8) Service Charges for Savings Account: Nil charges on all the below services for Imperia customers:
- Inter-branch funds transfer charges
- Stop payment charges
- Cheque collection charges
- Duplicate statement
- Mandate registration charges
- Old records/copy of paid cheques
- Interest Certificate
- Balance Certificate
- Address Confirmation
- Signature Attestation

Thanks for putting this together...how do i check which is my banking programme...

ps: i am allergic to rms or calls so anything i can do online is preferred

 

[6ix9ine]

Thanks for putting this together...how do i check which is my banking programme...

ps: i am allergic to rms or calls so anything i can do online is preferred

Very simple, just login to your netbanking and have a look at top left of the screen where it says "HDFC". You will see your variant.

 

[amitkssolanki]

Thanks for putting this together...how do i check which is my banking programme...

ps: i am allergic to rms or calls so anything i can do online is preferred

Once you login to net banking, look for the logo on left top corner. It should say programme name with HDFC logo. There are few other places you can find details as well but this is the fastest way to find it.

 

[Copycat]

Thanks for putting this together...how do i check which is my banking programme...

ps: i am allergic to rms or calls so anything i can do online is preferred

Login to Netbanking
If you have the old interface you should be able to see one of these in the top left corner

 

[msankadi]

Login to Netbanking
If you have the old interface you should be able to see one of these in the top left corner

View attachment 60831

This is all I see when I login 🙁 What did I miss?

 

[6ix9ine]

View attachment 60838

This is all I see when I login 🙁 What did I miss?

This means you are a regular user. You can upgrade if you wish, and the eligibility criteria for the upgrades are mentioned in the 1st post.

 

[msankadi]

This means you are a regular user. You can upgrade if you wish, and the eligibility criteria for the upgrades are mentioned in the 1st post.

oh but somehow i never get charged anything on imps etc...does this mean i am a classic or I am regular meaning 1 below classic too?

 

[Copycat]

oh but somehow i never get charged anything on imps etc...does this mean i am a classic or I am regular meaning 1 below classic too?

Do you have one of the 'Speciale' accounts? Those have free IMPS
https://www.hdfcbank.com/personal/s...count?icid=sa_category_knowmore_Specialé_Gold

 

[msankadi]

Do you have one of the 'Speciale' accounts? Those have free IMPS
https://www.hdfcbank.com/personal/save/accounts/savings-accounts/speciale-savings-account?icid=sa_category_knowmore_Specialé_Gold

oh thats interesting///again no idea i think this 10-15 year old account...in between it has been salary for sometime too etc...is there any way to check the current programme somehow?

 

[Fini7777]

oh but somehow i never get charged anything on imps etc...does this mean i am a classic or I am regular meaning 1 below classic too?

You might be a speciale gold or platinum customer

 

[Fini7777]

oh thats interesting///again no idea i think this 10-15 year old account...in between it has been salary for sometime too etc...is there any way to check the current programme somehow?

check the SB AC code in statements that u received

 

[Fini7777]

You will find it in ur monthly statement like this

 

[msankadi]

You will find it in ur monthly statement like this
View attachment 60847

Thank you my account type says Prime... Is that good or bad? Let me Google now to find more details on what this means

Found the programme

Prime Premier Banking - All You Need to Know | HDFC Bank

Experience the best of both worlds with Prime Premier Banking. Enjoy premium benefits, personalized services, and expert financial guidance tailored to your unique needs.

www.hdfcbank.com

Don't know it doesn't list any banking Benefits all general gyan

 

[mkool187]

Thanks for the comparison post.
I got an invite too for upgrade to imperia from preferred. But currently I am using millenia DC. After the upgrade will they allow me to keep my existing millenia DC as I am not interested in imperia platinum DC and do not wish to get any additional new DC.
Thanks.

 

[TheGuy]

I had MOB no A attached to HDFC, then changed to MOB B and linked it using ATM-- all OTP are coming on MOB B, CC mob also changed to MOB B.

Classic Invite comes. I start process using chatbox link. It sends OTP to MOB A.

What to do?
Don't want to go to branch for this...

 

[Gold]

Thanks for the comparison post.
I got an invite too for upgrade to imperia from preferred. But currently I am using millenia DC. After the upgrade will they allow me to keep my existing millenia DC as I am not interested in imperia platinum DC and do not wish to get any additional new DC.
Thanks.

I got invite and upgraded to imperia,
Not changed the Debit card