The HDFC Superia Credit Card is an exclusive offering by the HDFC Bank, which comes with exclusive privileges across different categories. It charges a joining/renewal fee of Rs. 1,000 and earns you 1,000 bonus Reward Points on joining the card membership. Moreover, you earn 3 Reward Points on every retail spend of Rs. 150 and accelerated Reward Points on dining. These points are redeemable against Airmiles for over 20 domestic as well as international airlines. Talking about its travel privileges, you get complimentary Priority Pass membership that allows you to access over a thousand airport lounges globally.
It also comes with a spend-based waiver of the joining as well as a renewal fee and you can make your card lifetime free just by achieving the required minimum spend every year. Other benefits of the card include a 1% fuel surcharge waiver of up to Rs. 500 per month, zero liability protection against a lost card, etc. Keep reading the article to know more about the HDFC Superia Credit Card & its fees and charges:
- Joining Fee- Rs. 1,000 (plus applicable taxes)
- Renewal Fee- Rs. 1,000 (plus applicable taxes)
- Best Suited For- Shopping
- Reward Type- Reward Points
- Welcome Benefits- 1,000 bonus Reward Points
Rewards and Benefits
- Movie & Dining- Accelerated Reward Points on dining.
- Rewards Rate- 3 Reward Points on every spend of Rs. 150.
- Reward Redemption- The earned Reward points can be redeemed against Airmiles at a rate of 1 RP = 0.7 Airmiles.
- Travel- Complimentary Priority Pass membership.
- Golf- NA
- Domestic Lounge Access- NA
- International Lounge Access- NA
- Insurance Benefits- NA
- Zero Liability Protection- You will not be liable for any fraudulent transactions made on a lost/stolen card if you have reported the loss to the bank in a timely manner.
Fees & Charges
- Spend based Waiver- Joining fee waived off on spending Rs. 15,000 within the first 90 days and the renewal fee waived off on spending Rs. 75,000 within one anniversary year.
- Rewards Redemption Fee- Rs. 99 on every redemption request.
- Foreign Currency Markup- 3.5% of the transaction amount
- Interest Rates- 3.49% per month
- Fuel Surcharge- 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000.
- Cash Advance Charge- 2.5% of the withdrawn amount subject to a minimum of Rs. 500.
- Add-on Card Fee- Nil
Product Details
- Welcome and renewal benefit of 1,000 Reward Points.
- 3 Reward Points on every spend of Rs. 150.
- 50% more Reward Points on dining at selected restaurants.
- Reward Points redeemable against Airmiles and a host of other options.
- Complimentary Priority Pass membership.
- Spend-based waiver of the joining & renewal fee.
- 1% fuel surcharge waiver.
HDFC Superia Credit Card Features and Benefits
The Superia Credit Card is another decent offering among the various basic HDFC Credit Cards. It is aimed at providing its customers with decent rewards and benefits across different categories. To understand all its features and benefits in detail, refer to the information provided below:
Welcome benefits
You get 1,000 bonus Reward Points as a welcome gift after successful payment of the joining fee of the HDFC Superia Credit Card.
Reward Points
- You get 3 Reward Points on every spend of Rs. 150 using the HDFC Superia Credit Card.
- You get 50% more Reward Points on dining across several premium restaurants.
- The Reward Points you earn are valid for 2 years from the accrual date.
How To Redeem HDFC Superia Credit Card Reward Points?
- The Reward Points you earn can be redeemed against Airmiles for various domestic and international airlines, including Kris Flyers, Jet Airways, Singapore Airlines, etc.
- 1 Reward Point = 0.7 Airmiles.
- You can also redeem your earned points against a host of options from the HDFC Rewards Catalogue.
Travel Benefits
- You get complimentary Priority Pass membership with access to over 1000 airport lounges globally.
- Only the membership is complimentary and the cardholders will have to pay the usage fee of $27 every time they visit a lounge.
Spend Based Waiver
- The joining fee of Rs. 1,000 is waived off if you spend Rs. 15,000 or more within the first 90 days from the card issuance date.
- The annual fee of Rs. 1,000 is waived off if you spend Rs. 75,000 or more in the previous year.
Fuel Surcharge Waiver
- The 1% fuel surcharge is waived off on all fuel transactions between Rs. 400 and Rs. 5,000 when you pay using your HDFC Superia Credit Card.
- The maximum benefit through the fuel surcharge waiver is capped at Rs. 500 per statement cycle.
HDFC Superia Credit Card Eligibility & Documentation
The basic eligibility criteria that need to be fulfilled by the applicants in order to get approved for the HDFC Bank Superia Credit Card are as follows:
- The age of salaried individuals should be between 21 years and 60 years.
- The age of the self-employed people should be between 21 years and 65 years.
- Applicants should have a stable source of income.
- Applicants should have a good credit history.
Documentation
- Identity Proof – Voter Id, Passport, PAN Card, Driving Licence, etc.
- Address Proof – Utility bills, passport, rent agreement, driving license, flat maintenance bills, etc.
- Copy of PAN Card
- Latest bank statements, latest salary slips, or latest ITR.
HDFC Superia Credit Card Limit
Different credit limits can be assigned to different cardholders on the basis of various factors, including their income, credit history, relationship with the bank, etc. With the HDFC Superia Credit Card, you may get any credit limit above Rs. 25,000 in the beginning and you can always get it improved by using your card responsibly. If you feel that your credit limit is not sufficient enough for your spends, you should use your card responsibly for a few months and then request your card issuer to provide you with a higher limit.
How To Apply For HDFC Superia Credit Card?
- To apply offline for the HDFC Bank Superia Credit Card, just visit your nearest branch with all the required documents and fill in the physical application form.
- To apply online, you can follow a few simple steps as given below:
– Visit HDFC Bank’s official website.
– Under the section ‘Borrow,’ click on the ‘Credit Cards’ option.
– Scroll down and click on ‘Other Cards.’
– Find the ‘HDFC Superia Credit Card’ and click on ‘Know More.’
– Then, click on the ‘Apply Now’ option at the bottom of the page.
– Enter your mobile number and proceed further to fill in the online application form.
Conclusion
The HDFC Superia Credit Card can be considered a great choice who are frequent travelers and want to have an affordable credit card with decent travel benefits. You can save up to Rs. 8,000 every year by redeeming your earned reward points against Airmiles and using them for flight bookings. Moreover, you can get the joining as well as the renewal fee waived by achieving a nominal spend of Rs. 75,000 every year, which is not really big amount to spend in a year. However, another HDFC Credit Card that can be considered direct competition to the Superia Card is the HDFC Regalia First Credit Card which comes with a similar annual fee and great privileges.
