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SAVING ACCOUNT DETAIL SmartMoney Account Highlights Bank HSBC Bank Category Privileged Account Minimum AQB (Average Quarterly Balance) Open a SmartMoney Account with a minimum fixed deposit of Rs. 25,000 and get high returns. We have special rates for special tenors. Get a free savings account, without having to maintain any minimum balance. Interest Rate 4% Card Offered ATM cum Debit Card Main Features Higher interest rates: Open a SmartMoney Account with a minimum fixed deposit of Rs. 25,000 and get high returns. We have special rates for special tenors. Free savings accounts: Get a free savings account, without having to maintain any minimum balance. Up to 90% overdraft: You can withdraw up to 90% through an overdraft facility. You can pay interest only on the amount overdrawn, while you earn interest on 100% of your fixed deposit. Anytime access: Access your SmartMoney Account 24 hours a day through our ATMs, Phone Banking, Internet Banking. You also get your own personalised chequebook. Free HSBC credit card: Make the most of your hard-earned money with money saving features and value added benefits. Free HSBC International debit card: The HSBC International debit card allows you to withdraw up to Rs. 25,000 per day, with higher withdrawal limits for PowerVantage and HSBC Premier customers. Free online bill payment services: Make all your bill payments online and avoid the hassles of physical payments. It's convenient and quick.  Fees & charges   Fees & charges Overdraft interest Interest on amount overdrawn will be charged at the rate of 2% over the weighted average of the interest rates applicable to the linked fixed deposits subject to a maximum of the Bank's Prime Lending Rate as may be declared by the Bank from time to time. Cash Transaction Withdrawal The HSBC International debit card allows you to withdraw up to Rs. 25,000 per day, Cheque Books Personalized cheque book  Services & Features   Services & Features Overdraft Facility Yes Reward Points No Internet Banking Yes Phone Banking Yes Mobile Banking No SMS Alerts No  Documents   Documents Your completed account opening form A passport-size photograph of yourself and all other account holders, which must be signed across the front. One document each from the following two categories: Proof of individual's identity: Passport Voter's ID Driving licence Government ID card Defence ID card Photo ration card Photo PAN card Proof of residence: Passport Telephone bill Electricity bill Ration card Society outgoing bill Life Insurance Policy Notes: Please produce the original document for each photocopy submitted. Please fill the form in CAPITAL LETTERS. Please countersign any overwriting. Please avail of the nomination facility.  Terms & Conditions   Terms & Conditions SmarMoney Account Rules Show All Saving Accounts ACCOUNTS BY BANKS ABN AMRO Allahabad Bank Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Canara Bank Catholic Syrian Bank Central Bank of India Centurion Bank of Punjab Citi Bank City Union Bank Ltd. Coastal Local Area Bank Ltd Corporation Bank Dena Bank Deutsche Bank Development Credit Bank Ltd. Dhanlaxmi Bank Federal Bank HDFC Bank HSBC Bank ICICI Bank IDBI Bank Indian Bank Indian Overseas Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank Karnataka bank Karur Vysya Bank Kotak Mahindra Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank Repco Bank Royal Bank of Scotland South Indian Bank Standard Chartered Bank State Bank of Bikaner and Jaipur State Bank of Hyderabad State Bank of India State Bank of Mysore State Bank of Patiala State Bank of Travancore Syndicate Bank The Lakshmi Vilas Bank Limited The Saraswat Coop Bank Ltd UCO bank Union Bank of India Vijaya Bank YES Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Home Loan: A way to reduce your taxable... Disputing errors in a credit report Used Car Loan Melas in India Six tips to choose your home loan lender Personal loans in India: Features and...