HDFC Bank Superia Credit Card

The HDFC Superia Credit Card, an exclusive offering from HDFC Bank, provides unique privileges across various categories. With a joining/renewal fee of Rs. 1,000, the card offers a bonus of 1,000 Reward Points upon joining. Additionally, you earn 3 Reward Points for every retail spend of Rs. 150, with accelerated points for dining. These points can be redeemed for Airmiles with over 20 domestic and international airlines.

In terms of travel perks, the card includes complimentary Priority Pass membership, granting access to over a thousand airport lounges worldwide. The HDFC Bank Superia Credit Card offers a spend-based waiver for both the joining and renewal fees, and you can enjoy a lifetime free credit card by meeting the required minimum spend annually.

Key Highlights of HDFC Superia Credit Card

  1. Enjoy a welcome and renewal bonus of 1,000 Reward Points.
  2. Earn 3 Reward Points for every Rs. 150 spent.
  3. Receive 50% additional Reward Points when dining at specific restaurants.
  4. Redeem Reward Points for Airmiles and various other options.
  5. Receive a complimentary Priority Pass membership.
  6. Joining and renewal fees waived based on spending.
  7. Enjoy a 1% fuel surcharge waiver.

Features and Benefits of HDFC Superia Credit Card

The HDFC Bank Superia Credit Card offers several features and benefits:

1. Welcome Benefits:

  • Receive a welcome bonus of 1,000 reward points upon payment of the annual fee.
  • Upon renewing the card for the next year, an additional 1,000 reward points will be granted.

2. Travel Benefits:

  • Accumulate reward points on your credit card for redemption on tickets across 20+ international airlines via KrisFlyer – Singapore Airlines Frequent Flyer Program.
  • Redeem reward points for AirMiles, usable for ticket purchases with AirIndia and as air vouchers for other major domestic airlines.

3. Dining Benefits:

  • Enjoy a 50% increase in reward points when dining with your HDFC Bank Superia credit card.

4. Fuel Benefits:

  • Avail a waiver of the 1% fuel surcharge on all transactions exceeding Rs.400.
  • Maximum cashback for fuel transactions is capped at Rs.500 per statement cycle.

5. Annual Fee Waiver:

  • Spend Rs.15,000 within the first 90 days to waive the first-year membership fee.
  • Spending Rs.75,000 in the first year also waives off the next year’s annual fee.

6. Reward Point Benefits:

  • Earn 3 reward points for every Rs.150 spent on the card.
  • Redeem accumulated reward points for air miles with over 20 international or domestic airlines.
  • Reward points remain valid for 2 years from the date of accumulation.

HDFC Bank Superia Credit Card Fees and Charges

Explore the fee structure for the HDFC Bank Superia Credit Card and discover the financial advantages that come with it.

  1. Annual Fee: Rs. 1,000
  2. Minimum Repayment Amount: 5% of the outstanding balance or a minimum of Rs. 200
  3. Cash Advance Limit: 40% of the credit limit
  4. Interest-Free Period: Up to 50 days
  5. Charges on Revolving Credit: 3.49% per month
  6. Additional Card Fee: Free
  7. Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 500, whichever is higher
  8. Late Payment Charges:
  • If the statement balance is less than Rs. 100 – Nil
  • Balance between Rs. 100 and Rs. 500 – Rs. 100
  • Balance between Rs. 500 and Rs. 5,000 – Rs. 500
  • Balance between Rs. 5,001 and Rs. 10,000 – Rs. 600
  • Balance between Rs. 10,001 and Rs. 25,000 – Rs. 800
  • More than Rs. 25,000 – Rs. 950

Eligibility Criteria for HDFC Bank Superia Credit Card

Here are essential criteria for applying for an HDFC Bank Superia Credit Card:

  1. Salaried individuals must fall within the age range of 21 to 60 years.
  2. Self-employed individuals should be between 21 and 65 years old.
  3. All applicants are required to possess a reliable source of income.
  4. A positive credit history is a prerequisite for all applicants.

Documents Required for HDFC Superia Credit Card

To apply for the HDFC Superia Credit Card, you will typically need to provide the following documents:

1. Identity Proof:

  • Voter ID
  • Passport
  • PAN Card
  • Driving Licence

2. Address Proof:

  • Utility bills
  • Passport
  • Rent agreement
  • Driving license
  • Flat maintenance bills

3. Additional Documents: Copy of PAN Card

4. Financial Documents:

  • Latest bank statements
  • Latest salary slips
  • Latest Income Tax Return (ITR)

How To Apply for HDFC Superia Credit Card?

Follow these steps to apply for the HDFC Superia Credit Card:

  1. Go to HDFC Bank’s official website.
  2. Navigate to the ‘Borrow’ section and select ‘Credit Cards.’
  3. Scroll down and choose ‘Other Cards.’
  4. Locate the ‘HDFC Superia Credit Card’ and select ‘Know More.’
  5. Click on ‘Apply Now’ at the bottom of the page.
  6. Enter your mobile number and continue to complete the online application form.

Frequently Asked Questions (FAQs) –

1. How can I apply for the HDFC Bank Superia Credit Card?

You can apply for the HDFC Bank Superia Credit Card by visiting the HDFC Bank official website, navigating to the ‘Credit Cards’ section, selecting ‘Other Cards,’ finding the Superia Credit Card, and clicking on ‘Apply Now.’

2. What are the reward points and benefits associated with the HDFC Superia Credit Card?

Cardholders can earn accelerated reward points on various transactions, enjoy complimentary airport lounge access, and avail themselves of exclusive discounts on dining and travel.

3. Is there an annual fee for the HDFC Superia Credit Card?

The annual fee and other associated charges are subject to the bank’s policies. Details regarding fees and charges can be obtained from the bank’s official website or customer service.

4. How can I check the reward points earned on my HDFC Superia Credit Card?

You can check your reward points balance by logging into your HDFC NetBanking account or by using the HDFC mobile app. Alternatively, you can contact the bank’s customer service for assistance.

5. What is the credit limit offered on the HDFC Superia Credit Card?

The credit limit is determined based on various factors, including your income, credit history, and the bank’s internal policies. You can check your assigned credit limit upon receiving the card.

6. How can I redeem the reward points earned on my HDFC Bank Superia Credit Card?

HDFC Bank provides multiple redemption options, including merchandise, gift vouchers, and travel bookings. Details on redemption methods can be found on the HDFC website or by contacting customer service.

7. What should I do if my HDFC Superia Credit Card is lost or stolen?

In case of loss or theft, promptly contact HDFC credit card customer care to report the incident and request card blocking. The bank will assist you in the process of getting a replacement card.