HDFC Bank Superia Credit Card – Benefits, Fees & Eligibility

Introduction

The HDFC Bank Superia Credit Card is an exclusive offering by HDFC Bank, positioned as an affordable credit card with decent rewards and benefits, particularly for frequent travelers. While the sourcing of this credit card has been stopped for new applications, existing customers continue to enjoy its privileges. Key differentiating benefits include 1,000 bonus Reward Points on joining, accelerated Reward Points on dining, complimentary Priority Pass membership for global lounge access, and a spend-based waiver for both joining and renewal fees.

Welcome Benefits

• 1,000 bonus Reward Points after successful payment of the joining fee.
• 1,000 Reward Points as a renewal benefit every year.

Fees

• Joining Fee: Rs. 1,000 + GST
• Renewal Fee: Rs. 1,000 + GST per year
• Spend-Based Waiver:
  • Joining fee is waived off on spending Rs. 15,000 or more within the first 90 days from the card issuance date.
  • Renewal fee is waived off on spending Rs. 75,000 or more in the previous year (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 on any outstanding amount carried forward beyond the bill's due date.
  • Up to 50 days of interest-free credit from the date of purchase, subject to the submission of the charge by the merchant.
• Fuel Surcharge:
  • 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000.
  • The maximum benefit through the fuel surcharge 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• Cash Advance Charges: 2.5% of the withdrawn amount, subject to a minimum of Rs. 500.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 on every retail spend of Rs. 150.
  • Alternatively, earn 3 Reward Points for every ₹200 spent.
• Dining: Get 50% more Reward Points on dining across several selected premium restaurants.
• Travel:
  • Complimentary Priority Pass membership, providing access to over 1,000 airport lounges globally.
  • Cardholders will have to pay a usage fee of $27 every time they visit a lounge.
• PayZapp Benefits:
  • Earn additional CashBack along with the card Reward Points on utility bills, mobile recharges, and more when linking the card on PayZapp.
  • Get Rs. 1,000 CashBack on shopping in-app over 200+ brands via PayZapp.
• Insurance Benefits: Not applicable.
• Domestic Lounge Access: Not applicable (complimentary Priority Pass membership is for international lounges, with usage fee).
• International Lounge Access: Not applicable (complimentary Priority Pass membership is for international lounges, with usage fee).
• Golf: Not applicable.

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.
• Redemption rate for Airmiles: 1 Reward Point = 0.7 Airmiles.
• You can save up to Rs. 8,000 by converting Reward Points into vouchers for domestic airlines.
• Reward Points can also be redeemed against a host of options from the HDFC Rewards Catalogue.
• Unredeemed Reward Points will expire/lapse after 2 years of accumulation from the accrual date.
• A fee of Rs. 99 is charged on every redemption request.

Card Eligibility Criteria

• Age for Salaried Individuals: Between 21 years and 60 years.
• Age for Self-Employed Individuals: Between 21 years and 65 years.
• 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, 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.

Card Review

The HDFC Bank Superia Credit Card is considered a great choice for frequent travelers seeking an affordable credit card with decent travel benefits. Cardholders can potentially save up to Rs. 8,000 every year by redeeming earned reward points against Airmiles for flight bookings. A significant advantage is the ability to waive both the joining and renewal fees by achieving a nominal annual spend of Rs. 75,000, which is considered achievable for many. However, it's important to note that while the Priority Pass membership is complimentary, a usage fee of $27 applies for each lounge visit, meaning lounge access is not entirely free. This card is often seen in direct competition with the HDFC Regalia First Credit Card, which offers similar privileges for a comparable annual fee.

Important Product Details

• Welcome and renewal benefit of 1,000 Reward Points.
• Earn 3 Reward Points on every spend of Rs. 150 (or Rs. 200).
• Get 50% more Reward Points on dining at selected premium restaurants.
• Reward Points are redeemable against Airmiles for over 20 domestic and international airlines, and other options from the HDFC Rewards Catalogue.
• Complimentary Priority Pass membership for international lounge access (usage fee of $27 per visit applies).
• Spend-based waiver of the joining and renewal fees.
• 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500 per month.
• Zero liability protection against a lost card.
• Revolving Credit is available at a nominal interest rate of 3.49% per month.
• Enjoy up to 50 days of interest-free credit from the date of purchase.
• Stay protected against unauthorized use with EMV Chip Card technology.
• Initial credit limits may be above Rs. 25,000, with the possibility of enhancement through responsible card usage.

Other Details

• Sourcing of this Credit Card has been stopped for new applications; however, existing customers will continue to enjoy the benefits.
• How to Apply (for existing customers or if applications resume):
  • Offline: Visit the nearest HDFC Bank branch with 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 click on ‘Other Cards.’
    • Find the ‘HDFC Superia Credit Card’ and click ‘Know More.’
    • Click on the ‘Apply Now’ option, enter your mobile number, and proceed to fill the online application form.
• Card Management and Controls:
  • A single unified platform for Credit Cards, Debit Cards, Fastag, and Consumer Durable Loans.
  • Simple interface to track all your spends.
  • View and redeem Reward Points at the push of a button.
• The card offers secure payments without the hassle of OTPs with ‘Swipe to Pay’ when linked to PayZapp.
• The offer of interest-free credit is subject to the submission of the charge by the merchant.
• Applicants should review the Most Important Terms and Conditions for a thorough understanding of the product.