| Tariff scope | Retail fee index using Regular Savings as a mainstream base case while keeping Salary, Basic, Preferred, Imperia and Current Account tariffs separate. | Product-scoped retail fee index. Easy Access is a mainstream balance-fee example; Liberty illustrates separate cash/card pricing; Priority/Burgundy demonstrate relationship waivers. |
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| Account maintenance | Regular Savings: metro/urban shortfall charges range from ₹150 to ₹600 by AMB band; semi-urban up to ₹300; rural AQB shortfall charges are ₹270 or ₹450 by band under the reviewed consolidated schedule. Programme exemptions can override only the matching product. | Easy Access: ₹6 per ₹100 of average-balance shortfall, capped at ₹600 metro/urban, ₹300 semi-urban and ₹150 rural under the reviewed current MID. |
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| Debit-card charges | Current HDFC Platinum Debit Card page: ₹850 + applicable taxes annual fee and ₹200 + taxes replacement; programme-linked variants can receive a waiver while eligibility is maintained. | Reviewed Easy Access product evidence lists ₹200 issuance and annual fee ₹100 rural / ₹150 other locations for the linked base card. Priority/Burgundy card fee treatment differs and can be waived. |
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| ATM charges | ATM free counts and post-free charges are controlled by the matching HDFC account/ATM tariff. Older consolidated pages can contain stale post-free ATM figures, so the dedicated ATM/cash profile remains the current operational anchor. | ATM/cash pricing varies by account scheme. The dedicated Axis ATM/cash profile remains the operational source; v1.44 does not turn one product's allowance into a bankwide rule. |
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| Cash / branch | Regular Savings: four free cash transactions per month; aggregate cash up to ₹2 lakh/month is free. Beyond the applicable free value, ₹5 per ₹1,000 or part thereof, minimum ₹150; third-party cash is capped at ₹25,000/day under the reviewed tariff. | Liberty reviewed MID: first five cash transactions or ₹1.5 lakh monthly free, whichever is earlier; beyond that self cash ₹5/₹1,000 or ₹150 minimum, third-party ₹10/₹1,000 or ₹150 minimum. |
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| Transfers | Online NEFT/RTGS are nil-charge for reviewed eligible retail scope. Branch transfer fees remain amount-slab specific and are not treated as digital fees. | Reviewed Liberty material states unlimited free online NEFT/RTGS. Other Axis account variants can have different channel/service pricing. |
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| Digital services | HDFC BillPay/SmartPay reviewed customer service fee is zero; programme/account and payment-instrument charges remain separate. | Digital-service fees follow the product/channel source; a free online transfer feature does not automatically waive branch or card charges. |
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| Waivers | Preferred and Imperia currently state nil savings non-maintenance charges inside the programme and waive the ₹850 annual Platinum Debit Card fee while programme membership is maintained. | Priority-linked debit-card issuance/annual fee can be nil while Priority criteria are maintained; Burgundy debit-card issuance/AMC are waived for Burgundy segment customers under reviewed material. |
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| Effective-date logic | A fee row retains the source's stated effective date where published; legacy pages remain evidence conflicts rather than silently overriding a newer product/programme page. | Axis MIDs carry product/version context. The exact current product MID is controlling; older or different-product schedules remain separate rather than being averaged. |
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