HDFC Bank Superia Credit Card – Benefits, Fees & Eligibility

HDFC Bank Superia Credit Card

Introduction

The HDFC Bank Superia Credit Card is an exclusive offering that provides various privileges across different categories. It comes with a joining and renewal fee of Rs. 1,000 + GST, which can be waived based on annual spending. Cardholders earn 1,000 bonus Reward Points upon joining and for renewal, along with 3 Reward Points for every Rs. 150 spent on retail and accelerated points on dining. A significant highlight is its travel benefits, including complimentary Priority Pass membership for accessing over a thousand airport lounges globally (with usage fees), and the ability to redeem Reward Points as Airmiles for domestic and international airlines. Additional benefits include a 1% fuel surcharge waiver and zero liability protection against a lost card.

Welcome Benefits

• Receive 1,000 bonus Reward Points as a welcome gift after successful payment of the joining fee.
• Receive 1,000 Reward Points as a renewal benefit.

Fees

• Joining Fee: Rs. 1,000 + GST
• Renewal Fee: Rs. 1,000 + GST
• 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.
• Rewards Redemption Fee: Rs. 99 on every redemption request.
• Foreign Currency Markup: 3.5% of the transaction amount.
• Interest Rates:
  • 3.49% per month.
  • Avail up to 50 interest-free days from the date of purchase (subject to submission of charge by merchant).
  • Enjoy Revolving Credit at a nominal interest rate.
• Fuel Surcharge:
  • 1% fuel surcharge waived off on fuel transactions.
  • Applicable for transactions between Rs. 400 and Rs. 5,000.
  • Maximum cashback/waiver is capped at Rs. 500 per statement cycle.
• Cash Advance Charges: 2.5% of the withdrawn amount, subject to a minimum of Rs. 500.

Rewards

• General Spends: Earn 3 Reward Points for every Rs. 150 spent.
• Dining:
  • Enjoy 50% more Reward Points at premium/selected restaurants.
  • Accelerated Reward Points on dining.
• Travel:
  • Convert Reward Points into miles or vouchers of domestic airlines such as Jet Airways, Air India, etc., potentially saving up to Rs. 8,000 a year.
  • Redeem points for miles with over 20 international airlines through KrisFlyer, Singapore Airline's frequent flyer programme.
  • Receive complimentary Priority Pass Membership.
  • Gain access to over 1000 airport lounges globally through Priority Pass.
  • While the Priority Pass membership is complimentary, cardholders will need to pay a usage fee of $27 every time they visit a lounge.
• Reward Point Validity: Reward points are valid for two years from the accrual date.
• Safety Features:
  • Stay protected against unauthorized use with EMV Chip Card technology.
  • Be assured of zero liability on a lost card after reporting the loss.
• Credit Features:
  • Avail up to 50 interest-free days from the date of purchase (subject to submission of charge by merchant).
  • Enjoy Revolving Credit at a nominal interest rate.

Rewards Redemption Guide

• The earned Reward points can be redeemed against Airmiles for various domestic and international airlines, including Kris Flyers, Jet Airways, and Singapore Airlines.
• 1 Reward Point is equivalent to 0.7 Airmiles.
• You can also redeem your earned points against a host of options from the exclusive HDFC Rewards Catalogue.

Card Eligibility Criteria

• Age Criteria:
  • Salaried individuals: 21 to 60 years of age.
  • Self-employed individuals: 21 to 65 years of age.
• Other Criteria:
  • Applicants should have a stable source of income.
  • Applicants should have a good credit history.
• Documents Required:
  • Identity Proof: Voter ID, Passport, PAN Card, Driving Licence.
  • Address Proof: Utility bills, passport, rent agreement, driving license, flat maintenance bills.
  • Copy of PAN Card.
  • Latest bank statements, latest salary slips, or latest ITR.

Card Review

The HDFC Bank Superia Credit Card is a solid choice, particularly for frequent travelers seeking an affordable credit card with decent travel benefits. It allows cardholders to save up to Rs. 8,000 annually by converting earned reward points into Airmiles for flight bookings. A significant advantage is the ability to waive off both the joining and renewal fees by achieving a nominal annual spend of Rs. 75,000, which is considered an accessible target for many. While it offers complimentary Priority Pass membership, it's important to note that a usage fee of $27 applies per lounge visit. Overall, it presents good value, though other HDFC cards like the HDFC Regalia First Credit Card might offer similar benefits at a comparable annual fee, making it a point of comparison for potential applicants.

Important Product Details

• Welcome and renewal benefit of 1,000 Reward Points.
• Earn 3 Reward Points on every spend of Rs. 150.
• Receive 50% more Reward Points on dining at selected restaurants.
• Reward Points are redeemable against Airmiles and a wide range of other options from the rewards catalogue.
• Includes complimentary Priority Pass membership for lounge access (usage fee applies per visit).
• Features a spend-based waiver for both joining and renewal fees.
• Provides a 1% fuel surcharge waiver on eligible transactions.

Other Details

• Credit Limit: Different credit limits can be assigned based on factors like income, credit history, and relationship with the bank. Initial limits may be above Rs. 25,000, with potential for improvement through responsible card usage.
• How to Apply:
  • Offline: Visit your nearest HDFC Bank branch with all required documents and fill out a physical application form.
  • Online:
    • Visit HDFC Bank’s official website.
    • Under the ‘Borrow’ section, click on ‘Credit Cards’.
    • Scroll down and select ‘Other Cards’.
    • Find and click on ‘HDFC Superia Credit Card’ to ‘Know More’.
    • Click on the ‘Apply Now’ option at the bottom of the page.
    • Enter your mobile number and proceed to fill in the online application form.
• Best Suited For: Shopping.
• Reward Type: N/A (as per one source, though detailed reward point mechanics are provided elsewhere).