About HDFC Bank Doctor’s Superia Credit Card
HDFC Bank Doctor’s Superia Credit Card is a premium credit card tailored for doctors. It offers benefits like air miles, accelerated reward points, and 50% extra points at select restaurants, all at a low annual fee. Here are the key highlights of the card:
Other Features and Benefits
Welcome Benefits
- Earn 1,000 reward points on card activation.
Renewal Benefits
- Earn 1,000 reward points on renewal.
Reward Points
- 3 reward points for every Rs. 150 spent.
Dining Benefits
- Earn 50% extra reward points at select restaurants.
Fee Reversal
- Joining fee waived on spends above Rs. 15,000 in first 90 days.
- Renewal fee waived on spending Rs. 1 lakh in a year.
Insurance/Coverage
- Professional negligence accident cover up to Rs. 20 lakh (max Rs. 4 lakh per incident).
Fuel Surcharge Waiver
- 1% waiver on fuel transactions between Rs. 400–5,000 (max Rs. 250 per month).
Air Mile Conversion
- Redeem points for air miles on 20+ international and major domestic airlines (100 air miles = 667 reward points).
Fees and Charges
| Particulars | Amount |
|---|
| First-year fee | Rs.1,000 (reversed if you spend Rs.15,000 within the first 90 days of card set-up) |
| Annual fee (second year onwards) | Rs.1,000 (reversed on annual spends of Rs.1 lakh in the previous year) |
| Interest rate | 3.49% per month |
| Minimum repayment | 5% or Rs.200, whichever is greater |
| Late payment fee | - Less than equal to Rs.100 - Nil
- Rs.101 to Rs.500 - Rs.100
- Rs.501 to Rs.1,000 - Rs.500
- Rs.1,001 to Rs.5,000 - Rs.600
- Rs.5,001 to Rs.10,000 - Rs.750
- Rs.10,001 to Rs.25,000 - Rs.900
- Rs.25,001 to Rs.50,000 - Rs.1100
- More than Rs.50,000 Rs.1300
|
| Cash advance limit | 40% of the credit limit |
| Cash advance charge | 2.5% of the amount withdrawn or Rs.500, whichever is higher |
| Over limit charge | 2.5% of the amount that is over limit or Rs.500, whichever is higher |
| Fuel surcharge waiver | Capped at Rs.250 per billing cycle (GST charged on fuel surcharge is not refundable) |
| Foreign currency mark-up fee | 3.5% of the transacted amount |
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Document Required For HDFC Bank Doctor’s Superia Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
HDFC Bank Doctor’s Superia Credit Card Highlights
What do we like about this card?
- 1,000 welcome points and 1,000 renewal points
- Earn 3 reward points for every ₹150 spent, 50% extra points at select restaurants
- Professional indemnity insurance up to ₹20 lakh
- 1% fuel surcharge waiver on transactions of ₹400–₹5,000 (max ₹250 per statement)
- Convert 667 reward points into 100 air miles
- Annual fee waived on spending ₹1 lakh in a year
- Up to 50 interest-free days and access to revolving credit
Things to Know Before you apply
Get this card if:
- You are a doctor and want to earn rewards on your spending.
- You prefer a low annual fee credit card.
- You want insurance coverage for professional accidents.
Pros
- Earn accelerated reward points on all spends.
- Additional 50% reward points at select restaurants.
- Low annual fee with fee reversal on achieving spend milestones.
- Insurance coverage up to ₹20 lakh for professional accidents.
Cons
- Reward points need to be converted for air miles; no direct air miles.
- No golf or lounge access.
- Foreign currency markup fee is not particularly low.
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Helpline: You can contact us at 1800 1600 / 1800 2600.
- Simply SMS: - SMS “CCHELP” to 5676712
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Frequently Asked Questions
The annual joining fee is ₹999 + taxes.
Cardholders earn 1,000 reward points on activating the card.
Earn 3 reward points for every ₹150 spent. Get 50% extra points at select restaurants.
Yes, 667 reward points can be converted into 100 air miles.
Yes, 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250 per statement).
