Credit cards have become ubiquitous, with the humble piece of plastic being used for everything from buying groceries and fuel to paying for big-ticket purchases such as international vacations or appliances. Credit cards offer their owners easy credit and the chance to pay off this amount in instalments, along with the lure of offers and discounts. While there are numerous credit cards targeted at particular demographic groups and to cater to different needs, a credit card for professionals are not so common.
A few banks have launched credit cards exclusively for certain professionals and have tailored benefits and perks to suit their needs. Credit cards for doctors is one such category that is slowly emerging. With travel vouchers and a plethora of discounts, these card have been designed to provide a feature-rich credit card with the needs of doctors in mind.
HDFC Bank Doctor’s Superia Credit Card
The sole entrant thus far in this emerging market is the HDFC Bank Doctor’s Superia credit card. Packed with features and benefits, this card caters to travel, lifestyle as well as day-to-day needs, making it an ideal credit card for the working medical professional. Use the card for everything from shopping to dining to enjoy discounts and rewards. Redeem the rewards for exciting gifts or air miles.
Features and Benefits of HDFC Bank Doctor’s Superia Credit Card
The HDFC Bank Doctor’s Superia credit card offers cardholders a range of features and benefits, as mentioned below:
Enjoy a welcome gift of 1,000 reward points, redeemable against a wide array of products and services from the rewards catalogue.
Accrue 1,000 reward points each time the card is renewed, thereby doubling the reward points.
Fly high with the Doctor’s Superia Travel Club and convert your reward points to KrisFlyer miles, the air miles program from Singapore Airlines. Cardholders can also choose to redeem their air miles on Jet Airways flights or choose from over 20 different global airlines.
Earn 3 reward points for every Rs.150 spent on the credit card.
Waive off the first year fee on spending Rs.15,000 within the first 90 days of the card being issued.
Have the renewal fee waived if spends cross Rs.1,00,000 a year before the renewal date.
Relax in style at world class lounges across the world courtesy complimentary Priority Pass membership.
In the event of the theft or loss of the card, report the same and stay protected from any fraudulent transactions made using the card.
Enjoy a fuel surcharge waiver on fuel spends made using the credit card.
Dine in style and enjoy discounts through the Power Dining program and earn 50% more reward points at partner restaurants.
Fees and Charges of the HDFC Bank Doctor’s Superia Credit Card
Given below are the fees and charges associated with the HDFC Bank Doctor’s Superia credit card:
Rs.1,000 (waived if annual card spends are over Rs.1,00,000).
Late payment fee
Varies, depending on the outstanding amount. The minimum fee is Rs.100 and the maximum is Rs.700.
2.5% of the overlimit amount (the minimum fee is Rs.500)
Eligibility Criteria of the HDFC Bank Doctor’s Superia Credit Card
The eligibility criteria for the HDFC Bank Doctor’s Superia credit card is as follows:
In case of salaried doctors, the applicant should be above 21 years and below 60 years at the time of application.
In case of self-employed doctors, the applicant should be above 21 years and below 65 years at the time of application.
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I have Axis bank credit card which was applied through Bank directly.I am using this credit card for the past 8 months .This was a chargeable card .The credit limit was really good and it was sufficient .I have got this credit card on time and got all the details about the card process.
I am using ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a very good credit limit and got all the required information about the card process This was a free card .I have not used and checked cash back offers and reward points .
I am using HDFC Bank credit card which was directly taken through Bank .I am using this credit card for the past 3 years .I have got a good credit limit and got all the relevant information about the card process.I have not checked cash back offers and reward points .I have not used this card much so far.
I have a credit card of Canara bank with life time free benefits, but I am not using it often. The credit limit is sufficient for my transactions, I have been holding this card from 2006 I didn't request for any upgrade on the card because I don't have interets however there is no hidden charges taken from my end.
I came to know about Bank bazaar through Online .This website is really doing a very good service .Customer service is really good and comfortable to me so far .Each and every financial products will be processed in a smooth manner it is really good .I am really satisfied with the service.
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CHEOPS MYCERINUS DCOSTA
Reviewed on Sep 13, 2019
I am using Indusind Bank credit card which was applied through Online .This card is having a very good credit limit and also there are reward points as well cash back offers which is really convenient .There was no difficulties faced so far on using this credit card .I am really satisfied with the service.
I came to know about Bank bazaar through Online .This website is having a better facility to check credit score since it is a free service can check whenever necessary .Whatever the needs it will be fulfilled through this portal .We can get all the information such as loans and credit cards and also update to information will be received when apply for any products.
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TASLEEM SHAKUR SHAIKH
Reviewed on Sep 13, 2019
I am using Indusind Bank credit card which was applied through Online .In this credit card will have offers for Shopping and movie ticket bookings which is really good .I have got this credit card on time .The credit limit was 93,000 and it was really sufficient .There was no drawbacks faced while submitting the documents .
I have downloaded Bankbazaar's mobile application. I get to see my updated credit score through Bankbazaar's mobile application. It's very simple and easy to use. I had come to know about Bankbazaar from an advertisement. Happy with their service.
I received my INDUSIND BANK PLATINUM AURA EDGE MASTER CARD. Credit limit is lower than I expected. I was expecting 1 lakh but they have given only 75 thousand. I had received the card on time and annual fee is free.I am getting reward points and offers.
I have been using Bankbazaar's website for the past 8 to 10 months. I used to check my credit score on Bankbazaar's website. Their customer care executives were very helpful. They had provided clear information when I applied for credit card.
I had applied an Indusind Bank credit card. I received the card on time. There was no problem submitting the documents. I have got sufficient credit limit.I have received the card on time and it is a lifetime free card. Reward points are good.
I am getting more service from Bank Bazaar.com, whenever I approach for any loans, credit card, the service level is satisfactory. The customer representatives are very polite interms of answering my queries. The website is very good to check all information.
My Indusind bank platinum aura card has the shopping benefits without any yearly fee and joining fee. More over the credit limit is sufficient around Rs.75,000 its enough for me and they do have fuel surcharges for petrol filling at selected partners.
I have been using Bankbazaar's website for a while. Their website and mobile application and very user friendly. I have come to now about Bankbazaar.com from the internet. I always check credit score on their website. Customer service was good.
I have received my YES PROSPERITY EDGE from Yes Bank. Credit limit is good and there is no annual fee.Yes bank customer service was good, I had received the card on time. The features of the card are great. I am getting reward points and cashback offer.
From CITI bank I got reward card, best part I could convert the rewards points into cash and if I use this credit card at Indian oil petroleum they give cash back. This card has life time free benefits, they already gave me sufficient limit hence its fine for me.
Past 4 years I have been holding HDFC card, earlier I had rewards titanium credit card very recently I upgraded to Regalia card it has yearly fee. They are providing airport lounge facility with travel discounts at make my trip and goibgo. The customer care executives are very helpful but rate of interest is higher for the late fee.
I appreciate the responsiveness of Bank Bazaar.com, they are more prompt when I approached for the YES Bank card, I got satisfactory service. First time I came the site through internet search then I logged in for the credit card purchase. It would be great if Bank Bazaar provides more offers based on the customer profile.
Reason to select this YES Prosperity card has an option to earn more points based on the spend, they gave me Rs. 35,000 as limit its fine for me. It has life time free benefits but I am not getting any offers at e commerce sites like amazon, flipkart.