Man, I'm NTB and even agreed to open a pointless savings account, alumni of an (erstwhile) eligible institute, and residing in a fairly upscale PIN code in a T1 city. ITR should get me LTF Millenia at least, if not DCP / DCB / DCB Metal. I've completely given up on HDFC now, it's too pricy and bureaucratic for few benefits it offers. People should simply not bother with HDFC unless employer provides a 0 MAB salary account with it.