Premium Banking programs you can avail

What is Premium Banking Programs:

• Dedicated Relationship Management: Premium banking programs staff dedicated relationship managers who help HNI customers' with their specific needs.
• Wealth Management & Investment Privileges: Curated financial products and services for wealth growth, risk management, and asset allocation. From customized portfolios to specialized solutions, they cater to the financial objectives of these premium clients.
• Premium Banking Benefits: A host of banking benefits tailored to premium clients which range from Priority banking services, and preferential pricing, to family & business banking.
• Lifestyle Benefits: Some of these programs go beyond financial services, offering exclusive lifestyle benefits such as luxury travel, concierge services, personalized privileges, and access to exclusive events.

Premium Banking Programs offered for HNIs in India

☆HDFC Bank's Imperia

Eligibility criteria for HDFC Imperia (At least one):

• Minimum Average Monthly Balance of Rs. 10 Lakhs in a Savings account
• Minimum Average Quarterly Balance of Rs. 15 Lakhs in a Current Account
• Minimum Average Monthly Balance of Rs. 30 Lakhs in a combination of Savings Accounts and Fixed Deposits
• For Salaried Customers, Monthly net salary credit of Rs. 3 lakhs & above in the HDFC Bank Corp Salary Account

☆SBI Wealth Saving Account

The eligibility criteria for SBI Wealth vary for New & Existing customers. They need to meet at least one of the following based on the category -

Existing to Bank (ETB) Client

• Total Relationship Value (TRV) of INR 30 lakhs (Total Deposits, Investments in Mutual Fund and Demat Holdings through SBI)
• Net Salary Credit of INR 2.00 lakhs and above at SBI Account
• SBI Home Loan of INR 1.00 Cr and above

New to Bank (NTB) Client

• Initial Deposit/Investment of INR 10 lakhs (To be increased to a Total Relationship Value of INR 30 lakhs within a period of 12 months)
• Open a Salary Account with Net Salary Credit of INR 2 lakhs and above
• Newly availed SBI Home Loan of INR 1 Cr and above

☆Axis Bank’s Burgundy Savings Account

Individuals need to meet one of the following criteria for Axis Bank’s Burgundy offerings:

• Average Quarterly Balance of ₹10 lakhs in the Savings Account
• Average Quarterly Balance of ₹10 lakhs across Savings Accounts and Current Accounts
• Minimum Total Relationship Value(TRV) of ₹30 lakhs
• Minimum Total Relationship Value(TRV) of ₹1 crore includes Demat holdings
• For a salaried customer, a net salary credit in excess of ₹3 lakhs every month in Axis Bank Salary Account

☆Kotak Mahindra Bank’s Privy League Platinum

Criteria for Kotak Mahindra’s Privy League Platinum offerings:

• Savings account Average Monthly Balance of over Rs. 10 Lakhs in Savings Accounts
• Relationship Value (RV) of Rs. 30 Lakhs
• For both Current and Savings accounts: Average Monthly Balance of over Rs. 15 Lakhs in Current Account
• Relationship Value (RV) of Rs. 30 Lakhs

☆Bank of Baroda’s Radiance

Bank of Baroda’s Radiance gives customers access to a unique set of banking and lifestyle benefits. For banking benefits, customers get access to dedicated relationship management with a 24/7 helpline and personalized financial planning guided by dedicated investment counselors. Clients enjoy priority lockers, unlimited cash withdrawals, preferential pricing on lockers, and fee waivers on SMS alerts, deposits, and checkbooks.

Customers also get access to a solid suite of lifestyle benefits including zero issuance charges on Gift and Travel Cards, access to exclusive merchant offers via Mastercard Domestic Offers, and a dedicated concierge service. Clients also receive travel and roadside assistance, golf privileges.

BoB also offers a complimentary World Sapphire Debit Card with two separate variants of the card catering to the needs of both male & female customers separately which makes the offering one of it’s kind. The card provides discounts on premium brands, Visa Luxury Hotel Collections, and domestic airport pick-up and drop service with lounge access, adding luxury and convenience to their lifestyle.


☆IDFC First Bank’s Wealth Savings Account

IDFC First’s Wealth Savings account comes loaded with doorstep banking, a dedicated relationship manager, and a 24/7 helpline. Clients benefit from Wealth Management & Investment Privileges, offering expert guidance and exclusive investment opportunities. The Premium Banking Benefits include a free locker, unlimited cash withdrawal, preferential loan rates, and complimentary cards with enhanced limits and insurance coverage for added security.

In terms of lifestyle benefits, customers get access to tailored Lifestyle Benefits including complimentary early breakfast and early check-in privileges at luxury hotels, along with access to Visa Concierge Service for personalized assistance. Clients enjoy discounts on airport transfer services and access to airport lounges, as well as Golf Club Access.

IDFC First Bank Wealth Savings Account Eligibility:

Average Monthly Balance of 10 Lakhs in savings account:

NTB: Initial Deposit/Investment of INR 5 lakhs or 10 lakhs, depends on branch

Existing: Existing customers can upgrade to Wealth savings account by depositing 10-15 lakhs in savings account. Minimum 7 days required to upgrade to Wealth program.



☆Federal Bank’s Celesta Savings Account

Eligibility options for Federal Celesta:

• Average Monthly Balance of 10 Lakhs in savings account:
• Cumulative Average Monthly Balance of 10 Lakhs across all savings accounts
• Average Monthly Balance of 5 Lakhs across all savings accounts + 25 Lakhs Fixed Deposit
• Total Relationship value of 1 Crore
• For Resident Salary Customers: Salary credit of 2 Lakhs or more in salary account
• Family Monthly Average Balance of 10 Lakhs across all savings accounts in Family ID
• Family Monthly Average Balance of 5 Lakhs across all savings accounts in Family ID+ 25 Lakhs as Fixed Deposit
• Family Total Relationship Value of 1 Crore

☆Indusind Bank’s Pioneer

Eligibility requirement of Indusind Bank’s Pioneer:

• An Average Quarterly Balance of Rs. 10,00,000 in Savings Account or Current Account (group based)
• A Net Relationship Value of Rs. 30,00,000 (group based) along with an Average Quarterly Balance of Rs. 1,00,000 (group based) in Savings or Current Account.

☆IndusInd Exclusive/Select Savings account:

Customers holding Pinnacle or Legend credit cards can open a Zero MAB premium savings account with IndusInd bank.

Pinnacle credit card must be linked with Exclusive savings account to make it zero mab and Legend credit card must be linked with Select savings account to make it a zero mab savings account.


Exclusive savings account: An initial deposit of 2L is required. Amount can be withdrawn, once the account is zero MAB

Select savings account: An initial deposit of 50k or 1L is required. Amount can be withdrawn, once the account is zero MAB

The information presented For Information Purpose Only Check respective Bank Website For Current Terms