HDFC Zero Balance Account Trick: How to Get a Classic Banking Account
Are you looking to open an HDFC zero balance account with premium benefits? The HDFC Classic Banking Account might be your ideal solution. This premium savings account from HDFC Bank offers exclusive privileges and, with the right strategy, can be maintained as a zero balance account under certain conditions.
Case 1: If You Don’t Have an HDFC Account
You can begin by opening a Max Savings Account at your nearest HDFC Bank branch. Here’s how to proceed:
- Visit an HDFC Bank branch and open a Max Savings Account with ₹1 Lakh initial funding.
- Once the account is opened, wait for a week and then request an upgrade to the Classic Banking Account.
- You can either revisit the branch or fill out the online upgrade request form (available on HDFC Bank’s official website).
✅ After the upgrade, your account will be converted to a zero balance Classic Account, allowing you to enjoy all the premium benefits.
Case 2: If You Already Have a Regular HDFC Savings Account
If you’re already an HDFC customer with a regular savings account, follow these steps:
- Maintain an average balance of ₹1 Lakh for at least 3 months.
- Visit your home branch and request an upgrade to the Classic Banking variant.
- You’ll be provided with an account upgrade form – fill it out and submit it to the branch.
- Your account will be upgraded to a Classic Account within 7 to 15 business days.
You May Try It Online – Click Here for HDFC Classic Banking Upgrade
Important Notes For HDFC Zero Balance Saving Account:
- 👨👩👧👦 You can link family members’ accounts to your Classic account so they too can enjoy premium benefits.
- 💳 The HDFC Millennia Debit Card is chargeable even on Classic accounts, so consider opting for the free Platinum Debit Card instead.
Conclusion
By following the right steps, you can enjoy the benefits of an HDFC zero balance account through the Classic Banking upgrade. Whether you’re a new or existing customer.
You May Check Out Other Zero Balance Saving Account