HDFC Bank Specialé Gold Women's Savings Account

The HDFC Bank Specialé Gold Women Savings Account is a premium savings account available to women. The account has an Average Quarterly Balance (AQB) of ₹1 lakh. There are various benefits associated, which include cashback on shopping, free health check-ups, cancer cover of ₹5 lakh, insurance benefits and exclusive lifestyle benefits.

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Senior Citizen FD Rates 2025
Guaranteed Return
Guaranteed Returns
Includes Life Cover
Includes Life Cover
Completely Tax Free+
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%* (Tax-Free)

Guaranteed Plan

(By Insurance companies)
4.6%* (After Tax)

Fixed Deposit

(Offered by Banks)
4.0%*

Savings Account

(Post Office)
Maximum returns Offered by Guaranteed

6.5%**

Fixed Deposits

(by SBI bank)

(5-10 Years)

6.9%***

Public Provident Fund

(other popular options)

(15 Years)

We are rated++
rating
13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold
Get Guaranteed returns up to 7.4%*

Fully Tax-Free, Life Cover Included

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We are rated++
rating
13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold

What is the HDFC Bank Speciale Gold Women's Savings Account?

HDFC Bank Speciale Gold Women Savings Account is a financial product that targets women seeking to have a premium banking experience with superior benefits and lifestyle advantages. The HDFC Bank savings account also provides internet banking, mobile banking, UPI, debit cards, and a full range of ATMs and branches.

Key Features of HDFC Bank Speciale Gold Women's Savings Account

The HDFC Bank Speciale Gold Women’s Savings Account offers a number of features. This makes it a suitable savings account in India to consider for day to day banking.

  • SmartWealth benefits: Invest through SmartWealth in mutual funds, deposits, stocks and bonds to get customised investment solutions.
  • Lifestyle rewards: Get an Amazon Pay Gift Card / Flipkart Voucher of ₹1000 and quarterly vouchers of ₹300 to Uber, Swiggy, PVR or Apollo pharmacy, terms and conditions apply.
  • Healthcare and insurance benefits: Get insurance coverage for cancer treatment up to ₹5 lakh, free health check up with Platinum Debit Card, based on eligibility.
  • Higher transaction limits: Get higher transaction limits and unlimited HDFC Bank ATM transactions and 30 non- HDFC Bank ATM transactions free.
  • Free banking services: Have access to free cheque books, Insta Alerts, online fund transfer using IMPS, NEFT, RTGS and UPI.

Documents Required to Open the Account

To open an HDFC Bank Speciale Gold Women's Savings Account, an applicant is usually required to present the following documents:

  • Valid PAN
  • Any one Officially Valid Document (OVD):
    • Passport
    • Aadhaar Card (or Aadhaar Letter, e-Aadhaar, Secure QR Code, or Offline e-KYC)
    • Voter ID
    • Driving Licence
    • Job Card
    • Letter issued by the National Population Register
  • Completed KYC verification as per the bank's requirements

How to Open the HDFC Bank Speciale Gold Women's Savings Account

The HDFC Bank Speciale Gold Women’s Savings Account has the advantage of online and offline account opening, making it one of the best savings accounts for eligible applicants.

Online Application

  • Visit the website: Visit HDFC Bank official site.
  • Select account: Go for Speciale Gold Women's Savings Account.
  • Provide your details: Provide personal and contact details.
  • Provide documents: Upload the necessary KYC documents.
  • Complete verification: Finish the two-factor verification.
  • Activate your account: Once approved, start using your banking account digital services.

Offline Application

  • Branch visit: Go to the nearest HDFC Bank branch.
  • Request the application form: Take the savings account opening form.
  • Complete the form: Provide the personal details required.
  • Send documents: Submit the required KYC documents.
  • Full verification: The bank checks your application and documents.
  • Get account information: Your account will be active once your application is approved.

Fees and Charges for the HDFC Bank Speciale Gold Women's Savings Account

Banking privileges and balance requirements of HDFC Bank Speciale Gold Women’s Savings Account are as follows:

Particulars Details
Average Quarterly Balance (AQB) Maintain an Average Quarterly Balance (AQB) of ₹1,00,000.
Free Cash Transactions Get 5 free self and third-party cash transactions per month within India, subject to a cumulative limit of ₹5 lakh.
Demat Account Opening No account opening fee is charged for opening a Demat account.

FAQs

  • What is the procedure for HDFC Bank Balance Check?

    You can perform HDFC Bank balance check by using Mobile Banking, NetBanking, ATM, missed call banking or customer care.
  • Is it possible to maintain a zero balance in HDFC Bank Speciale Gold Women Savings Account?

    No. This is not an HDFC Bank Zero Balance Account. Customers must maintain necessary average monthly balance of ₹1,00,000.
  • How much AQB is needed in HDFC Bank Speciale Gold Women Savings Account?

    The HDFC Bank Speciale Gold Women's Savings Account requires an Average Quarterly Balance (AQB) of ₹1 lakh. Alternatively, the customers may keep an FD Cushion of ₹4 lakh (under the terms and conditions of the bank) instead of the AQB requirement.
  • What is the method of checking a HDFC Bank Mini Statement?

    You may view your HDFC Bank mini statement using the MobileBanking application, NetBanking, ATM, or SMS Banking, or by visiting your local HDFC Bank branch. It displays your recent transactions in the account.


˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* Applicable for Titanium variant of Max Life Smart Fixed-return Digital (Premium payment of 5 years, Policy term of 10 years) and a healthy male of 18 years old paying Rs. 30,000/- monthly (exclusive of all applicable taxes)
** Fixed deposit rate applicable for 5 year's 1 day to 10 years for investment amount less< 2 Crore ( Not for senior citizens).
*** PPF interest rate applicable for 15 years for investment amount upto 1.5 Lac
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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